Location: India

About the company

Lendingkart is a digital lending platform that facilitates working capital financing for entrepreneurs and small businesses in India through our network of affiliated lending partners. We have developed a technology platform powered by machine learning algorithms which use big data to help its affiliate lenders evaluate borrower’s credit worthiness. Customers can apply for a loan using the web or mobile applications at their convenience and receive their sanctioned loans in as less as 3 days anywhere in the country.

Lendingkart is one of the leading fintech firms in the Indian lending space. It is backed by top-tier investors – Temasek (through its 100% subsidiary Fullerton Financial Services), Bertelsmann, Mayfield Fund, India Quotient and Saama Capital to name a few

Role & Responsibilities

  • Preparation and support in preparation of Financial Decks to be presented to top management, investors and lenders.
  • Preparation and support in Monthly Reporting in investors format.
  • Preparing/ Reviewing the data as and when asked by different lenders.
  • Preparation of various reports as and when required by management.
  • Support in Audit closure works.
  • Preparation/ Support in preparation of Monthly ECL Workings.
  • Support in preparation of Annual Operating Plan, 5 Year Plan.
  • Preparation of PL of new products and analyzing the profitability and monitoring performance of new product launch.
  • Contributing to P&L through Revenue enhancement & Cost savings ideas, tapping revenue leakages and controlling cost wastages.
  • Support in Identifying cost saving/revenue generating opportunities across business functions / processes, presenting to higher management and preparation of business / financial models for feasibility analysis, implementation & periodic review / revision.
  • Support in preparation of Ratio analysis / performance analysis for submission & strategic decision making for top management.
  • Providing support in preparation of business simulation models based on changed business environment / dynamics and translating the impact thereof on business profitability.
  • Analyze the financial performance of other players / competitors in the industry, understand the standard business practices and benchmarking with our company for improved business processes / practices & financial performance.
  • Ensuring cohesive coordination between Management Accounting Team & FP&A Team.

About the Role

Seeking an experienced Data Scientist with 4 to 7 years of experience in data science, with a

strong background in machine learning, statistical modeling, and data analysis. The Data

Scientist will be responsible for designing and implementing predictive models, developing data-

driven solutions, and analyzing large datasets to inform business decisions.

Some high level things you would own but not limited to:

  • You will analyze large and complex datasets to identify trends and insights that drive business decisions

  • You will be developing and implementing predictive models to forecast customer behavior, market trends, and other key metrics.

  • You will collaborate with cross-functional teams to identify business problems and design solutions using data science techniques.

What you would possess already:

  • Bachelors or Masters degree in Computer Science, Statistics, Mathematics, or a related field

  • At least 4 to 7 years of experience in data science, with a focus on machine learning and statistical modeling.

  • Strong programming skills in Python, R, SQL, or other relevant programming languages

  • Experience with data visualization tools such as Tableau, Power BI, or D3.js

  • Familiarity with big data technologies such as Hadoop, Spark, or NoSQL databases

  • Experience working in a financial or fintech industry is a plus

  • Excellent communication and collaboration skills, with the ability to explain complex concepts to non-technical stakeholders.

Some high level things you would own but not limited to:

  • Credit Underwriting:

    • Review credit card applications and assess applicants’ creditworthiness based on established criteria and credit scoring models.

    • Determine appropriate credit limits for approved applicants.

    • Make decisions regarding credit card applications, including approvals, declines, and counteroffers.

    • Ensure compliance with regulatory guidelines and internal credit policies.

  • Risk Assessment:

    • Conduct risk analysis and evaluate potential risks associated with credit card portfolios.

    • Monitor the credit card portfolio’s performance and identify trends or emerging risks.

    • Recommend adjustments to credit policies and underwriting criteria to mitigate risks.

  • Data Analysis:

    • Analyze large datasets to gain insights into customer behavior, payment patterns, and credit performance.

    • Develop and maintain predictive models to forecast credit card portfolio performance.

    • Use statistical tools and software to extract actionable information from data.

  • Portfolio Management:

    • Optimize credit card portfolios to maximize profitability while minimizing credit losses.

    • Segment the customer base and tailor credit offerings to different customer groups.

    • Implement strategies to reduce delinquency rates and charge-offs.

  • Reporting and Documentation:

    • Prepare regular reports on credit card portfolio performance and share insights with management.

    • Maintain accurate records of credit decisions, policies, and data analysis results.

    • Ensure compliance with documentation and reporting requirements.

  • Collaboration:

    • Work closely with cross-functional teams, including marketing, collections, and finance, to align credit strategies with business goals.

    • Collaborate with data scientists and IT professionals to enhance data analytics capabilities.

  • Continuous Learning:

    • Stay updated on industry trends, regulatory changes, and best practices in credit underwriting and analytics.

    • Participate in training and professional development opportunities to enhance skills and knowledge.



  • Apply in-depth specialty knowledge to complete tasks related to Know Your Client (KYC & VKYC).
  • Participate in AML training offered through the business.
  • Relevant experience required.
  • Working knowledge of AML regulations and experience preferred.
  • Proficient computer skills with a focus on Microsoft Office applications.
  • Maintain accurate, organized and current compliance records and documentation in a manner consistent with the department’s needs.
  • Perform V-CIP journey with client over call to verify client KYC.
  • Interaction with the cross-functional team to resolve any internal queries related to the loan application.
  • Client communication or confirmation for any issue in shared documents.
  • Perform Dedupe checks to know any fraud application or any other details linked with client loan application.
  • Head responsibility for the loan processing.

About the Role:

This is  a strategic role expectation is to set the FCU unit end to end & core expectation is to set the fraud & risk management framework. Ability to lead FCU functions & work very closely with all the key stakeholders of the organization. Somebody with technical expertise in the BFSI space would be an add on benefit. 

Some high level things you would own but not limited to:

  • Ability to lead and set up the RCU Function.
  • Experience in Fraud Risk management Well versed with Data Science and Technology
  • Define strategies, strong Processes and Fraud Prevention framework.
  • Expertise in Vulnerability Risk Assessment, Customer Profiling, Forensic Investigation
  • Ability to Lead and Enforce Risk Prevention Culture through Education, Training & Policy
  • Ensure policies and procedures are in compliance with regulatory requirements.
  • Professionally Skilled and Certification in Fraud & Risk Management
  • People Management, Work with all Functional Stakeholder
  • Network in BFSI & Legal
  • Portfolio Tracking & Report Management
  • Perform other tasks and instructions assigned by the senior management.
  • Collection reconciliation and updating in LMS.
  • Charges waivers in LMS on request basis.
  • Reconciliation / maintenance of insurance cases records and refund.
  • One time settlement cases to close in LMS and tally and reconciliation thereafter.
  • Death cases to close in LMS and tally and reconciliation thereafter.
  • Reconciliation of principal outstanding, interest and other charges between systems.
  • Collection recording/uploading, reporting of Principal at Risk and Bank Reconciliation.
  • Reconciliation of TDS recoverable with 26AS/ TDS certificate and payment thereof.


  • B.COM / M.COM / MBA

Basic requirement

  • Should have basic knowledge of Excel.
  • Should have basic knowledge of Tally.

Roles & Responsibilities :


  • Collaborate with cross functional teams to define, design and push new features and innovative front-end solutions. Translate UI/UX design wireframes to actual code that will produce visual elements of the application.
  • Continuously discovering, evaluating, and implementing new technologies to maximize development efficiency.
  • Provide technical leadership towards new UI architectures.
  • Unit-testing code for robustness, including edge cases, usability, and general reliability.
  • Create and be accountable for user interaction models, workflows, information architecture, prototypes and guidelines for user interfaces.
  • Work closely and collaborate with other members of the development teams to ensure smooth integration of the UI component with back end technologies
  • Designing and building responsive web applications.


Education Qualifications & Requirements :

    • 6-12+ years of Frontend development experience
    • BE/BS in Computer Science, Management and Information Systems, or equivalent
    • Problem Solver: Ability to formulate/implement technical solutions, proven ability to understand, analyze and solve issues with guidance.
    • Should have executed a production level end to end UI application on his own
    • Hands on contributor who played an important role in implementing the proposed architecture and design
    • Excellent command over HTML5, CSS,Javascript,Jquery,Ajax,MVVM. Proficient understanding of web markup.
  • Expert Level proficiency of JS Library/ Framework.
  • Proficient in unit test cases for UI applications functionality and flow testing 
  • Good knowledge of caching and memory management for UI applications
  • Exposure to data visualization libraries such as D3.js
Job Description:
  • Identify, onboard, and close new cross sell partners that deliver the next level of growth for the organization wrt various cross sell products
  • Actively contribute to the overall achievement of annual operating plan revenue targets while monitoring the same closely on a weekly/monthly basis
  • Ability to work through the details and prepare the annual operating targets in line with the overall revenue targets of the organization
  • Work closely with the Tech and product teams to provide BRDs and requirements for any new product development along with onboarding any new partners
  • Work closely with Tech and product to ensure zero surprise operations and promptly resolve any issues arising out of any tech glitches
  • Manage relationships with existing & new cross sell partners in order to create new opportunities
  • Negotiating win-win partnership deals and ensuring mutually beneficial partnership terms that are in line with business objectives and strategy
  • Plan business outcomes and co-own all business metrics and growth for the cross sell partnerships line of business
  • Conceptualize, execute and develop strategic alliances with companies and third party service providers to accelerate innovation and revenue growth across a range of cross sell products
  • Grow the relationship and revenue potential with these strategic partners and deepen relations with partners by looking at opportunities for upselling and cross-selling.
  • Collaborate with the Sales team on achieving attachment rate targets across all cross sell products along with resolving any issues/concerns across all cross sell products
  • Provide regular reports on KPIs and ensure regular MIS is circulated across all internal and external stakeholders
  • Keep up to date and understand competitive products and pricing strategies to ensure or retain and grow market share


Desired Skill Set Required:


  • 6 – 8 Years of Previous cross sell and partnership management experience, digital lending platforms, partnership roles
  • Have the ability to drive cross sell products and manage end to end operations of cross sell products 
  • Ability to work collaboratively in a team environment as well as in cross-functional teams
  • Have the ability to influence others and connect with clients at various seniority levels
  • Ownership mindset, problem solving approach with exceptional data analysis skills
  • Excellent command over MS excel and other tools like Pyhton, R etc
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