Decon JobsJob Details
Job Description:
This company is India’s fastest growing, fully-automated next-gen Fintech company aiming to address the credit requirements of innumerous self-employed micro entrepreneurs, micro-merchants and middle/lower-income salaried individuals. Our platform also offers digital gold savings, credit health products, among others.
Headquartered in Bengaluru, the company was conceived in 2017 with a mission to provide financial inclusion to the underserved market. The company has been facilitating micro-credit through its cutting-edge app and has witnessed rapid growth with over 13 million+ users and 1 million+ loan disbursed through its AI & ML-powered modules in over 19,000 pin codes across India. The company app-based credit platform offers instant credit options through 100% automation at a pan-India scale. The company has been supported by reputed fintech investors like LGT Lightstone, Accion Venture Lab, Unicorn India Ventures etc. The company has been recognized nationally and internationally for its efforts at Google’s Launchpad Accelerator, Global Inclusive50 by MetLife, VISA, IFC, etc.
Role and Responsibilities:
- Understand the credit policies for various Banks and NBFCs in the Indian lending space - Provide thought-leadership on improving customer acquisition strategies, developing statistical credit models, and communicate analytical and credit ideas
- Monitoring existing models by designing tests and experiments to measure and evaluate customer credit behavior
- Monitor the acquisitions funnel, model performance and portfolio trends to develop strategic lending and business insight
- Work with technology and business team to build out new credit acquisition and risk management capabilities and refine existing ones
- Ideate and help launch next-generation lending products and structures that will drive the next round of innovation
- Monitoring monthly transactions and provide a report on planning and risk management
Desired Candidate Profile:
- 5+ Years of experience in credit-policy, underwriting strategies, and risk modeling - Experience in credit risk for short-term unsecured loan products (personal loans and credit cards) in the Indian market
- Experience in developing lending, customer acquisitions and/or portfolio management strategies
- Proficiency in analytical skills with Excel and BI dashboards.
- Programming knowledge of Python, R is a bonus.
- Comfort in re-defining frontiers and passion for doing cutting-edge work in unsecured credit risk.
