CreditVidya | Full time

Product Manager

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Job Information

• Date Opened 03/08/2022

• Job Type Full time

• Industry Financial Services

• Work Experience 5+ years

• City Hyderabad

• State/Province Telangana

• Country India

• Zip/Postal Code 500001

About Us

CreditVidya
is the leading player in the alternative credit scoring space in
India. A pioneer in the domain, we are leveraging alternative data,
AI and machine learning to facilitate institutional credit for the
underserved. Our products are helping a large section of the
salaried and self-employed population become visible to lenders, by
making it financially viable for banks and NBFC's to underwrite
customers for much smaller unsecured loans. 55+ leading banks and
NBFCs that share our vision, rely on our products to manage the
credit cycle end-to-end: Prospecting, Credit Underwriting, and
Delinquency Management. With over 10,000 data points,
CreditVidya's credit underwriting model is 2x more powerful than
traditional bureau scores, helping banks and NBFC's underwrite
15% more individuals, including the completely new-to-credit segment
(first time borrowers). To date, we have underwritten over 25
million individuals. Our products also help lenders cut the time of
decision-making from several days to under five minutes, reduce
costs, prevent fraud, and consequently, increase profitability. We
are dedicated to our mission of making affordable credit accessible
to more than 3 billion under-served people across the world.

Job Description

About Us

Ever since we began our journey in 2013, our aim has been to enable credit for every
possible earning individual. Like payments, which has become digital, embedded &
ubiquitous in the last 8 years, credit too will become a ubiquitous instrument for a
consumers/business owner to transact for various purchases whether it is a vanilla Term
Loan to consumer financing to working capital finance. And we are at the forefront of this
shift.

• We are one of the top-rated AI companies in India built credit scores, alternate
data products using multiple data sources and operate as “SAAS” for 50+ clients
across banking and tech industry.

• We are technology first and build products that help us give asymmetric scale

• We launched embedded credit in 2020 under the brand name Prefr where we
deeply embed our solution within large online distribution platform at the time of
transaction for consumers via Personal Loan/Consumer Loan and businesses
via Working Capital Loans

• We have embedded our solution with large distribution companies like Xiaomi,
Google Pay for Personal Loan and Walmart for BNPL

• Our current annualized disbursals as of FY 2021 stand at ~$100mn
o Our team comes from variety of backgrounds: Experts from NBFC, Bureaus,
Banking, Technology, ex-entrepreneurs, co-located, PAN-India, diverse.

What you will be doing?

Working in the financial services arm of the business. You can visit our website
for details.

Working closely and managing various stakeholders like business, sales,
collections, engineering, vendors, and customers to build product modules that
can help scale businesses.

You will be expected to utilize data to identify gaps and inefficiency in the
product and identify solutions that can build to close those gaps.

You will be co-owning the product roadmap and will be responsible for planning,
prioritizing, and delivering the features or modules for the roadmap.

You will be expected to become product/feature/technical expert and go to guy
for all the product modules that you will be working on

You will be obsessing about product improvements that will move the needle of
the product efficiency and constantly be finding smarter ways to solve product
problems which could be short term fixes or long-term solutions.

You will be expected to write the features requirements, user stories, wireframes
and drive product development and align key metrics that will benefit from these
developments.
o You will be expected to present to the management about various product
initiatives

Requirements

• Have completed your engineering in Computer Science and MBA