Careers

Careers

Working with niyogin

Driven by meritocracy & collaboration, we drive ownership and accountability, making fast decisions and getting results. Without traditional hierarchies, we foster an environment of trust & integrity, champion each other and have each other's backs. At the end of the day- the only HERO is the team!

 

Opportunities-at-Niyogin

Opportunities at niyogin

Learning Curve

Fast-paced growth powered by stimulating discussions with innovative minds offer you ample room to learn.

Dynamic Environment

A rapidly evolving industry pushes you to think out of the box and constantly outperform yourself.

Team of Veterans

The guidance of experienced veterans channelizes your energy and intelligence in the best possible direction.

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Prospects at niyogin

For every team member at Niyogin, the potential for growth is immense. Not only that, you get the pleasure of working in a high-energy, innovative, honest culture where everybody’s ideas are valued.

Publicador de Conteúdos e Mídias

  • Engineering - Technical Lead

    Mumbai

    Engineering - Technical Lead

    Mumbai
    8+ yrs

    job description

      • Independently design and integrate Machine Learning/AI projects to build India’s first digital lending platform.
      • Manage and Lead software developers in projects
      • Establish test procedures for quality assurance
      • Understand the market landscape and company vision to draw insights from exploratory analysis of the data
      • Design and develop data strategy for the product/company

    salary

    As per industry standards

    qualification

    • Experience with managing and leading IT projects

    • Experience in at least 2 end to end project management in projects related to Machine Learning/Artificial Intelligence

    • Strong Knowledge of blockchain technology

    • Knowledge and working experience with Java, C, C++, Nodejs and Angulajs

    • Proficient in databases like Hadoop and Hive

    • Experience working in Commercial/Home finance, Banking or E-Commerce companies

    • Engineering degree from IIT/NIT

    • Strong Communication skills

  • Strategy Manager

    Mumbai

    Strategy Manager

    Mumbai
    3+ yrs

    job description

      • Market research and insights - Conduct research on the leading trends in the sector,
        Identify and target attainable opportunities in the market
      • Information analysis and synthesis -
        Apply analytical thinking to solve complex problems with unstructured data, Recommend courses of action that directly contribute to tangible outcomes
      • Project and Stakeholder Management -
        Designing project plan, implementation timeline, and driving towards targets while negotiating roadblocks
        Managing key relationship and be a point of contact with partners, vendors, and internal stakeholders, during project implementation.

    salary

    As per industry standards

    qualification

    • Strategic thinker and framing hypotheses

    • Research and analysis of external market trends and competition

    • Ability to project manage and execute new initiatives

    • Experience in analytical or research role at a consulting firm or corporate business analyst position

    • Experience in or exposure to financial services or digital lending/payments space

    • Experience in project management and execution

  • AVP – Credit risk

    Mumbai

    AVP – Credit risk

    Mumbai
    7+ yrs

    job description

      • Manage Mumbai and subsequently Western India for unsecured loans for SMEs/MSMEs
      • Involve in Policy and Process development and implementation
      • Manage process for Credit Approvals, Controls and Risk management
      • Monitor credit quality of the accounts in the portfolio
      • Liaise with clients, externals and internal team ask subject expert for risk and credit
      • Focus on leakages and critical controls pertaining to risk and credit systems

    salary

    As per industry standards

    qualification

    • Operational risk management and modeling

    • Understanding of end market for credit

    • Regulatory understanding and compliance

    • Experience in credit risk in an Indian bank or NBFC

    • Experience in handling unsecured credit products (ticket size upto 30 lakhs)

    • Experience in digitization/ automation of credit process

    • Experience in generating scorecards for loan appraisal

    • Experience in Western India preferred

  • Senior Manager - Operational Risk

    Mumbai

    Senior Manager - Operational Risk

    Mumbai
    7-8 years

    job description

      • Handle audit of various accounts and ensure completion of audits as per regulations and company guidelines
      • Prepare Scope and Risk Control Matrix for the audits assigned
      • Monitor and track and deviations and any correlation between deviations and delinquencies in the process and frauds
      • Ensure that all credit parameters are adhered to, including proper documentation and security for all loans

    salary

    As per industry standards

    qualification

    • Strong knowledge of credit process, financial due diligence, and operational risk

    • Operational efficiency and quality audit

    • Motivation and ownership to build at a startup

    • Experience with managing credit operations (ORM: Operations and risk management, RCM: Risk control mechanism, KAPA, SOPs, Process notes, etc.)

    • Experience with quality control and process management

    • Proficiency in Microsoft Excel and PowerPoint

    • Experience with MSME credit, digital lending, and/or unsecured lending

    • Experience in operational audits

    • Certifications like Six sigma, black belt, green belt, etc.

  • Software Developer

    Mumbai

    Software Developer

    Mumbai
    4+ years

    job description

      • Design and develop India’s first digital lending platform using latest open source technologies
      • Collaborate with external vendors, resources, cross functional teams to execute the project successfully
      • Work with external design resources to ensure quality design and performance
      • Write Rest APIs for EV Blockchain framework

    salary

    As per industry standards

    qualification

    • 4+ years’ experience with Java or Nodejs

    • Experience in projects related to Machine Learning/Artificial Intelligence

    • Experience working independently in atleast 2 open source projects

    • Knowledge of blockchain technology

    • Experience working in BFSI and E-Commerce products

    • Engineering degree from IIT/NIT

  • Manager /Senior Manager Operations- BU

    Mumbai

    Manager /Senior Manager Operations- BU

    Mumbai
    7-8 years

    job description

      • Pre-Disbursement Activities - Oversees daily execution of documentation in full compliance with internal standards and external regulatory requirements.
      • Loan Booking – Ensure to conduct check and balances as per sanction terms Create customer accounts
      • Disbursal Activities – Process disbursement before the mandatory cut off given by regulators
      • Repayment Activities – Track fund credit, prepare repayment Schedule, collect and check NACH registration, Keep track of bounce data
      • Risk, Efficiency and Control – Ensure compliance to all the risk and control aspects specified in the policy guidelines
      • Audits – Facilitate frequent and various type of audit exercise
      • Reconciliation Activities – Conduct quarterly reconciliations activity of all PDC, UDC, MIS
      • Secure Storage of Transaction Documents – To Keep all transactional documents properly in safe custody

    salary

    As per industry standards

    qualification

    • Experience with managing credit operations, RCM: Risk control mechanism Process notes, etc.)

    • Proficiency in Microsoft Excel and PowerPoint

    • Experience with MSME credit, digital lending, and/or unsecured lending

    • Experience in operational audits

    • Certifications like Six sigma, black belt, green belt, etc.

    • Strong knowledge of Loan products, credit process, financial due diligence, and operational risk

    • Operational efficiency and quality audit

    • Understanding of IT System MS Office & MS Excel,

    • Motivation and ownership to build at a startup. Team player

    • Ability to meet deadlines, whilst maintaining excellent standards of output

  • Head –Service Excellence

    Mumbai

    Head –Service Excellence

    Mumbai
    8-12 years

    job description

      • Strategy and Leadership:

        • Designing and keeping the process fresh to align with customer acquisition, retention and maintaining strong relationship

        • Ensure customer satisfaction at each interaction, within a defined TAT, and create case studies to provide recommendations for service enhancement

        • Taking initiative and removing in-efficiencies from the system

        • Drive necessary initiatives with other teams to achieve niyogin’s Overall Goal

        • Handling overall performance of team

        • Training the team on Selling Strategy - Convincing customers to submit all the documents digitally and bringing out clearly the company's USP vis--vis competition

        • Preparing Pitch Scripts & presentation decks for the team along with team leads

        • Coordination with Tech team for consistently adding features which can improve team efficiency

        • Quality Checks via Audits for applicable processes

        • Implementing best practices for Customer Service to lead maximum customer satisfaction

        • Leading the Renewal Calling and Conversion

        • Leading the Referral Program through Customer Calling

        • Razor sharp Focus on making customer journey simpler to ensure maximum conversion and consistently reduce frictions

        • Working Closely with Marketing team to ensure conversion of Leads to Hot Leads digitally as well

        • Working with Credit to ensure team understands the Policies well and conduct regular training for updating team on documents required etc

        • Coordinating Pricing and Amount with Customers along with team and ensuring least Post Sanction dropouts

        • Facilitating administrative and operational supports to the team of Channel Partners for smooth functioning

      • Analytics:

        • Capacity, shift-management, escalation-management and BCP planning to ensure that we are available for our customers, when they need us

        • Defining metrics and tracking Daily, weekly and monthly numbers

        • Root cause analysis

        • Monitor and maintain the quality of interaction with customers (Audits & Quality Improvements).

      • Relationships:

        • Create a transparent working environment to ensure associates voice is heard and if necessary appropriately acted upon.

        • Attrition Handling

        • Training of Agents

        • Maintaining a strong culture of identifying problems and solving them.

    salary

    As per industry standard

    qualification

    • Must have

      • At least 4 years’ experience in customer relationship management, project management or equivalent. Similar industry an advantage.

      • MS Office – A good knowledge and hands on experience of Excel, Word and Power-point

      • Ability of adept to new technologies and train people around it.

      • Exceptional verbal/written communication skills

      • Should have team handling (direct and indirect) experience

      • High process and quality orientation

    • Preferred

      • Experience with Financial sector, Hospitality Industry.

      • Experience of working in a start-up

  • Network Relationship Manager – Sales

    Gujarat -Rajasthan

    Network Relationship Manager – Sales

    Gujarat -Rajasthan
    4 - 6 years

    job description

      • Responsible for new client acquisition, building new relationships and increasing depth in existing relationships with channels and clients.
      • End to end client relationship management and creating his/her own pipeline of clients.
      • Will work within the boundaries of our business model using expertise of the product group and complying with requirements and processes in place.
      • Initiating contact with potential customers for developing leads, direct sales & cross selling financial products.
      • Resolving of escalated grievances and queries of individual and corporate clients on a day-to-day basis.
      • Developing the satisfaction level of customers by rendering services beyond excellence in order to optimize a high percentage of customer satisfaction and retention.
      • Responsible for achieving targets as assigned by the organization on a monthly basis.
      • Understands clients risk profile and maximizes the - risk vs. reward- balance for individual clients by optimizing product mix.
      • Comply with KYC/SEBI rules, regulations, and legislation governing the financial services industry.

    salary

    As per the industry standards

    qualification

    • Graduate or Post graduate - Any Specialization. Prefer 4 - 6 yrs experience in direct selling.

    • Should have strong Sales orientation

    • Leadership skills (Though more tactical than strategic)

    • Cost efficiency through process

    • An immense interest in developing relationship with the customers.

    • Should have good communication & presentation skills.

    • Should be a self-starter, proactive & target oriented.

    • Should possess strong networking & relationship building skills

  • Cluster Manager – Sales

    Gujarat -Rajasthan

    Cluster Manager – Sales

    Gujarat -Rajasthan
    7 - 9 years

    job description

      • Sourcing Unsecured Business Loan (UBL) cases in the market through CA Network / Reference.
      • Lead a result-oriented team and is responsible for managing the Cluster profitability.
      • Ensuring high quality service and optimal Network Relationship Management
      • Conduct periodic strategic review of the business portfolio across the locations allocated.
      • Define and implement necessary strategies and processes to ensure high level of performance.
      • Collaborate with other functions (Operations, Marketing, Credit etc.) to ensure sales team gets the necessary support to develop and grow business and achieve targets.
      • Generate leads through various activities - Seminars, Deployments, local engagement etc.
      • Resolving customer queries to help proper loan sanction & disbursement.
      • Maximize performance of sales team by identifying training needs and ensure delivery of training takes place.
      • Maintaining punctuality, discipline and high level of morality in tune with the ethics & values of Niyogin.
      • Cost control.
      • Financial assessment of SME clients and sourcing to be in line with the credit policy/norms.
      • Assess the customers based on customer financial documents, FI report, Bureau reports (CIBIL, etc.) and Personal Discussion.
      • Smartly figuring out customer's credential and perform tele-verification of the customer Should conduct risk analysis and mitigation of risk at your level
      • Ensure timely disbursals after loan sanction
      • Periodic monitoring of customer and business and look for early warning signals
      • Monitor the performance of the portfolio based on Non-Starters & Early Delinquency across sourcing channels, products, customer segments, etc.
      • Resolve audit queries if any and to avoid same in future
      • Recommend changes in existing policies and suggest new requirements as per market requirements and opportunities.
      • Ensure adherence to KYC / AML screening requirements of the organization
      • Ensure that there is no compromise on the Quality of Credit & maintain a heathy portfolio

    salary

    As per the industry standards

    qualification

    • Desired Skills:

      • 7-9 years of experience in BFSI with atleast relevant experience of 3-5 years in SME Business Loans

      • Good knowledge of SME product as well as markets about, business loans in the geography.

      • Have sound knowledge of local references, deep penetration of the local market and good rapport with the business segments in the geography.

      • Analytical skills and understanding of financial statements. Flair for numbers and ability to track movement of numbers

      • Strong track record during their career

      • Good written and verbal communications

      • Good knowledge of computer including MS Office and Google Drives.

    • Behavioral Competencies:

      • Good interpersonal skills. Result oriented with a positive outlook and ability to convince clients, seniors and subordinates across functions and be a solution provider.

      • Ability to analyze and think strategically.

      • System and process orientation

      • Quality orientation

      • Problem-solving ability

      • Customer Service Orientation

      • Entrepreneurial and able to build strong network

      • Strong track record of leading teams to deliver stretch projects with high impact

      • Willing to travel across region

  • Manager /Senior Manager Operations- BU

    Mumbai

    Manager /Senior Manager Operations- BU

    Mumbai
    7-8 years

    job description

      • Pre-Disbursement Activities - Oversees daily execution of documentation in full compliance with internal standards and external regulatory requirements.
      • Loan Booking – Ensure to conduct check and balances as per sanction terms Create customer accounts
      • Disbursal Activities – Process disbursement before the mandatory cut off given by regulators
      • Repayment Activities – Track fund credit, prepare repayment Schedule, collect and check NACH registration, Keep track of bounce data
      • Risk, Efficiency and Control – Ensure compliance to all the risk and control aspects specified in the policy guidelines
      • Audits – Facilitate frequent and various type of audit exercise
      • Reconciliation Activities – Conduct quarterly reconciliations activity of all PDC, UDC,MIS
      • Secure Storage of Transaction Documents – To Keep all transactional documents properly in safe custody

    salary

    As per industry standard

    qualification

    • Must have

      • Experience with managing credit operations, RCM: Risk control mechanism Process notes, etc.)

      • Proficiency in Microsoft Excel and PowerPoint

    • Preferred

      • Experience with MSME credit, digital lending, and/or unsecured lending

      • Experience in operational audits

      • Certifications like Six sigma, black belt, green belt, etc.

    • Skills Required:

      • Strong knowledge of Loan products, credit process, financial due diligence, and operational risk

      • Operational efficiency and quality audit

      • Understanding of IT System MS Office & MS Excel.

      • Motivation and ownership to build at a startup. Team player

      • Ability to meet deadlines, whilst maintaining excellent standards of output

  • Senior Manager / Manager - Financial Planning & Analysis (FP & A)

    Mumbai

    Senior Manager / Manager - Financial Planning & Analysis (FP & A)

    Mumbai
    7 - 10 years

    job description

      • Analysis of business parameters
      • Strong in Budgeting and Variance analysis
      • Regular frame work of MIS including Dashboards ant various frequency
      • Dynamic update with bench marking with industry, Ratio analysis
      • Demonstrating a proven track record and work in a fast paced business finance environment
      • Adapting to change on a regular basis and deliver quick and accurate analysis to executive management
      • Ability to deal with different departments within company
      • Gathering and interpreting complex financial data
      • Collaborating with key parties across the business to incorporate all relevant information into financial analytics to develop executive insights and perspectives, identify business trends, and recommend action plans.
      • Developing recommendations and executive reports for management and perform analysis of financial data related to operations, business performance, opportunities, and investments.
      • Managing the day to day operations of multiple functional areas and play a vital role in a variety of special finance projects, key analytical areas, and core functions supporting the organization
      • Business

        • Preparation of Draft Monthly Financials as per format

        • Preparation of half year and year end financials in Schedule III format as per requirements of Companies Act, RBI guidelines and ICAI pronouncements.

        • Analysis & Review of Trial Balance and identification and rectification of wrong entries in a timely manner

        • Verification and monitoring of monthly schedules

        • Responsible for timely Tax payments after reconciliation with books

        • Maintain monthly, quarterly trackers on TDS and GST in put credit of all regions

        • Review of Loan repayment and interest provision entries

        • Responsible for sending MIS/ Reports to Regional Accounts Manager on allocation

      • Internal process:

        • Assist Core project team for solution deployment within the set timeline

        • Co-ordinate with related parties on key deliverables at different stages of implementation as well as inputs for interface with various systems

        • Discuss Project status with key stakeholders at regular intervals.

        • Preparation of department wise monthly Cost Center Report.

        • Co-ordinate with Financial Analysts for preparation of Budget Vs Actuals Report on monthly basis.

    salary

    As per industry standards

    qualification

    • Must have

      • Extensive Financial Planning and Analysis, Budgeting, MIS, forecasting, operating plans

      • Proficiency in Microsoft Excel and PowerPoint

      • Knowledge of ERP and well versed with Tally

    • Preferred

      • Experience with Financial sector

  • Senior Manager / Manager Treasury

    Mumbai

    Senior Manager / Manager Treasury

    Mumbai
    6- 8 years

    job description

      • Should have managed treasury investment in various instruments, working capital management and borrowings
      • Should be well versed with Treasury operations.
      • Should have dealt with rating agencies.
      • Knowledge about different type of treasury instruments – Mutual Funds, Bonds, Debentures (Listed and unlisted), PTC’s.
      • Suggest measures for improvement in liquidity and investments
      • Responsible for Treasury operations including knowledge of legal & compliance requirements (like FEMA), Compliance with NBFC regulations, cash management with investment of surplus cash in FDs and manage banking relationships.
      • Publishing of weekly, monthly and Quarterly updates on entire investment Portfolios with all the key parameters.

    salary

    As per industry standards

    qualification

    • Must have

      • Experience in Treasury management including Investments and Borrowings

      • Proficiency in Microsoft Excel and PowerPoint

      • Knowledge of ERP and well versed with Tally

    • Preferred

      • Experience in Treasury Management with Financial sector.

  • Head Application

    Mumbai

    Head Application

    Mumbai
    7 to 11+ yrs

    job description

      • Should have deep understanding of digital architecture ie Web, portal etc
      • Should have worked on Mobile application development with vendors and strong understanding of platform
      • Strong understanding of Loan originating system, loan management system, collateral management system and collect toon management system
      • Understanding of rules engine and workflow capability
      • Understanding of SOA architecture, framework and platform
      • Strong stakeholder engagement capability
      • Vendor management capability
      • Understanding and implementation of CRM project
      • Should have worked on transformation projects like analytics etc from programme management perspective
      • Good communication and presentation skills

    salary

    As per industry standards

    qualification

    • Preferred

      • Experience working in BFSI and E-Commerce products

      • Engineering degree from IIT/NIT

    • Skills Required

      • Liferay- Web portal

      • Ionic - Mobile app

      • Lending core apps

      • Business Rules engine

      • Workflow system

      • Intranet apps

      • Multi Bureau link

      • Hunter

      • CRM - Sales force or CRM next

      • ODS/ DWH

      • Qlik sense

      • Cloudera & Hadoop components

      • Google apps

      • Email/ Sms gateway

      • Genesys- Inbound and outbound

      • Omni channel Chat bots

      • Video contact centre

      • Internal dedupe

  • Senior Manager/ Manager - Accounts

    Mumbai

    Senior Manager/ Manager - Accounts

    Mumbai
    6 - 8 years

    job description

      • Core responsibilities include Finalization of Accounts, MIS
      • Understanding of Practical application of Indian Accounting Standards, companies act.
      • Practical Knowledge of Taxation - Direct and Indirect.
      • Manage and oversee the daily operations of the accounting.
      • Maintenance of day to day books of accounts.
      • Monitor and analyze accounting data and produce financial reports or statements.
      • Coordinate and complete Quarterly/Annual audits Liaising with auditors pertaining to all statutory audits.
      • Ensuring compliance with Income Tax, GST etc. Ensure on time filing of statutory returns with 100% accuracy.
      • Proven knowledge of bookkeeping and accounting principles, practices, standards, laws and regulations.
      • Accounts payable.
      • High attention to detail and accuracy.
      • Preparation of Balance Sheet.
      • Preparation of Monthly Financials & related reports.
      • Responsible for coordination of Corporate Audit Statutory & Internal.
      • Monitoring & Co-ordination of Statutory Compliances & related Schedules.
      • GL Review & Reports.
      • Audits & Assessments
        • Responsible for coordinating and data submission related to Audits - External and Internal

        • Responsible for Preparation of data, reports required for Tax Audit, Statutory Audit and attending audit queries

        • Co-ordinate for GST Audits and Income Tax Assessment

        • Monitor and Verify all Payments to Third Party Vendors

    salary

    As per industry standards

    qualification

    • Must have

      • Experience in Accounting, Taxation, Audits, Accounts payable, Regulatory reporting

      • Proficiency in Microsoft Excel and PowerPoint

      • Knowledge of ERP and well versed with Tally

    • Preferred

      • Experience with Financial sector

  • AVP – Credit risk

    Mumbai

    AVP – Credit risk

    Mumbai
    8-10+ yrs

    job description

      • Manage western region initially and pan India for unsecured loans for SMEs/MSMEs
      • Involve in Policy and Process development and implementation
      • Manage process for Credit Approvals, Controls and Risk management
      • Monitor credit quality of the accounts in the portfolio
      • Liaise with clients, externals and internal team ask subject expert for risk and credit
      • Focus on leakages and critical controls pertaining to risk and credit systems
      • Should involve in technology development in terms of decision automation
      • Team Handling experience is a must

    salary

    As per industry standards

    qualification

    • Must have

      • Experience in credit risk in an Indian bank or NBFC

      • Experience in handling unsecured credit products (ticket size upto 30 lakhs)

    • Preferred

      • Experience in digitization/ automation of credit process

      • Experience in generating scorecards for loan appraisal

      • Experience in Western India preferred

    • Skills Required

      • Operational risk management and modelling

      • Understanding of end market for credit

      • Regulatory understanding and compliance

  • Data Scientist

    Mumbai

    Data Scientist

    Mumbai
    3+ yrs

    job description

      • Conceptual Thinking

      Design experiments to answer targeted questions around customers, products or operations.

      Engage with hypothesis formulation to create relevant statistical models for credit that best suits the end consumer

      • Statistical modelling

      Build statistical models leveraging non-traditional sources of data (phone data, social networks, psychometric data, business transactions) that will help determine who Niyogin should lend to and who not.

      Conduct exploratory data analysis in high dimensions, and develop the dashboards and metrics that will provide the insight to improve the operations of the Credit team.

    salary

    As per industry standards

    qualification

    • Must have

      • Experience in advanced statistical and regression modelling techniques

      • 3+ years of professional experience in an analytical role manipulating large data sets

      • Experience in data language (Python, R, SAS)

      • Experience in data visualization tools (eg. Tableau)

      • Experience in SQL database

    • Preferred

      • Experience in a financial services or lending context

      • Experience with field and primary research and related analysis

    • Skills we will test for

      • Strong statistical and predictive modelling fundamentals

      • Ability to frame hypotheses, assemble data, and extract insights end-to-end

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    No current vacancies available

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