About the role
We are a digital NBFC building India’s next-generation lending platform for SMBs — secured and
unsecured working capital, supply-chain finance, and term loans originated through digital and
partner-led channels, with a meaningful co-lending book run alongside leading banks.
We are hiring a Manager – Risk & BI to sit at the intersection of credit policy, portfolio analytics, and business intelligence for our SMB underwriting stack. The role is half quant-risk and half BI: you will sharpen the policies and scorecards that decide who gets a loan, and own the dashboards and MIS that tell the rest of the business — and our bank partners — how the book is performing.
This is a high-ownership IC role with a clear path to leading a team within 18–24 months.
What will you own
Credit policy & underwriting analytics
across SMB products (unsecured BL, secured BL, SCF, GST-based lending).
FinBox, GST, ITR, and Account Aggregator data to identify segments, cut-offs, and
early-warning signals.
policy translation of model outputs.
diagnostics; surface what’s breaking before collections do.
Business intelligence & MIS
committee, and co-lending bank partners.
approval rates, decline reasons, disbursal trends, portfolio quality, and unit economics by channel/product/geo.
Cross-functional
rules, and instrumentation of the underwriting funnel.• Support fundraising diligence, rating agency interactions, and bank partner reviews with portfolio
cuts and commentary.
What we are looking for
Must-haves
• 3–5 years of experience in credit risk, portfolio analytics, or BI within a bank, NBFC, fintech
lender, credit bureau, or consulting (risk practice).
• Bachelor’s / Master’s from a top-tier institution — IIT, NIT, BITS, IIM, ISI, DSE, IISc, or equivalent.
Engineering, Economics, Statistics, or Mathematics backgrounds preferred.
• Strong SQL (you can write window functions and CTEs without Googling) and working
proficiency in Python (pandas, scikit-learn) or R.
• Hands-on experience with at least one BI tool — Tableau, Power BI, Looker, Metabase.
• Demonstrable exposure to Indian SMB credit data: commercial bureau pulls, bank statement
analyzers, GST returns, ITRs, AA data.
• Comfort with the unit economics of lending — yield, NIM, credit cost, opex ratio, ROA, ROE —
and the levers that move them.
Strongly preferred
• Direct experience writing or operating credit policy at a digital NBFC, fintech, or bank’s digital
lending vertical.
• Familiarity with RBI’s Digital Lending Guidelines, the Co-Lending Model framework, and the DLG/ FLDG regime.
• Exposure to scorecard development (logistic regression, gradient-boosted trees) and standard
validation techniques (KS, Gini, PSI, CSI).
• Experience working with co-lending partners or building partner-facing MIS.
You’ll do well here if you
• Are equally happy debugging a SQL query, debating a cut-off in a credit committee, and
explaining a portfolio cut to a banking partner.
• Default to first principles when looking at data and don’t take last quarter’s dashboard at face
value.
• Write clearly. Risk decisions get made on the strength of your memos as much as your models.
What we offer
• Competitive cash compensation benchmarked to top-quartile fintech, plus meaningful ESOPs.
• A seat at the table on real credit decisions from week one — no warm-up rotations.
• Direct exposure to the CRO, CEO, board, and our bank partners.
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