Credit

Growth Manager

3+ Years I 2 Openings

Chennai / Bangalore / Delhi

Who we are?

Kaleidofin is a fintech with a focus on the informal sector, we provide solutions tailored to the customer’s goals and are intuitive to use. We are working towards creating fair and transparent financial solutions that can target millions of customers and enterprises in India that don’t have easy access to formal financial planning.

In a very short time span, global investors such as Oiko Credit, Flourish, Omidyar Network andBlume Ventures have supported Kaleidofin’s well thought out business model. The firm’s latest round was Series B of funding led by The Dell Foundation & The Bill & Melinda Gates foundation inMay 2022. Kaleidofin is recertified as a Great Place to Work from September’22.

The company won the Amazon AI Conclave award for Fintech, was one of only ten startups chosen for the Google LaunchPad Accelerator program in 2019, was recognized as India’s Most InnovativeWealth, Asset and Investment Management Service/Product by the Internet & Mobile Association of India (IAMAI) and was selected to present at United Nations General Assembly Special Task ForceEvent.

With its focus to harness mobile technology to deliver a paperless experience as well as its focus to harness technology and analytics to predict the right product for the right customer, Kaleidofin aims to become a leading FinTech player bringing financial solutions to everyone.

To know more about Kaleidofin, do visit our site https://kaleidofin.com

What you’ll do?

• Part of a team of partner growth managers across the region and shall be responsible for prospecting and sourcing suitable business partners who shall originate business through the Kaleidofin platform for associate lender partners.

• Conduct a field due diligence of these partners, prepare credit notes to present to the credit committee within expected timelines.

• Build and manage the business pipeline for high growth and scale on the platform.

• Support Process Excellence team, Credit team in day-to-day functions wherever needed.

• Manage the portfolio of clients assigned and enforce commercially agreed terms and ensure compliance to the company policies and regulatory guidelines.

• Assist in the cross sell of the company’s products and contribute to the company’s profitability and growth.

• S/He shall be in a business role managing credit business relationships at Kaleidofin. This is a challenging opportunity for early business managers / relationship managers with a minimum 3 years’ experience in financial services to play a pivotal role in Kaleidofin’s journey in achieving its mission to propel the informal banking segment in achieving their financial goals.

• Be an out of the box thinker.

• Have an ability to continuously look for blockers and figure out ways to remove them.

• Wear the hats of Risk, Compliance, Operations with ease, drive business and take decisions always keeping this balance.

• A good communicator with negotiation skills with an ability to continuously engage with business partners in order to create a win-win and build the business.

• A self-starter who is always on the lookout for new business opportunities.

• Prior experience in writing detailed Credit Assessment Memos and doing detailed financial analysis.

• The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them.

• Location: Chennai / Bangalore, mandatory work from office and Delhi, (remote).

Who you need to be?

• Graduate / Postgraduate / Professional qualification

• Minimum 3 years work experience in the financial services sector

• Connects in the financial services sector to keep abreast of latest developments in the sector

• Good understanding of NBFC’s and their business models

• Good understanding retail lending and related processes

• Good understanding of financial reports of financial institutions

• Good understanding of RBI Guidelines related to – lending, third party outsourcing, NBFC’s related guidelines, PSL.

• Should have a good understanding of and prior experience in understanding business. requirements and related risks and draft suitable credit policies and rules for underwriting.

• Should have prior experience in underwriting retail loans of several assets classes which should include but not be restricted to MFI – JLG loans, Unsecured Business Loans, Asset backed loans like home loans, LAP and / or vehicle loans.

• Basic knowledge of Business Correspondent / Co lending. An understanding of Securitization / Direct Assignment business would be a plus.

If you fit the bill, write to us at careers@kaleidofin.com

Job location

Chennai / Bangalore / Delhi