Job Description

About the Team: Would you like to be part of creating a unicorn within a unicorn Solve some of the biggest challenges facing the financial inclusion of Bharat Well, then here\'s your chance! Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for at Meesho have identified a large gap in access to formal financial services for our platform users, and a strong need for disruption, for creating products and services suited for Bharat. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, and make it our most prominent growth and revenue driver.We are building out our founding team, currently in our 0-to-1 phase where we will find our Product-Market Fit - design the right products and work with the right partners - and scale 1-to-n soon after - driving traffic and constantly improving our product. It is possibly one of the most exciting and enriching experiences one could consider in their career. About the Role: Lending is going to be our primary focus in this phase of our FS journey, and risk management is at the core of building any sustainable credit business at scale. Herein also lies potentially our biggest challenge for Meesho users: How do we assess risk for customers without any credit history How can we leverage alternative information to better profile our users How can we leverage our platform uniquely to create a sustained competitive advantageFurthermore, as we build more products to launch on our platform, we will continue to work with lending partners who will anchor any credit products.The Credit Risk Officer will create, operationalise, and evolve our risk strategy alongside leading all our lender partnerships. Staying true to Meesho\'s vision of building for Bharat, you will be expected to find innovative ways and leverage alternate data sources to profile and assess millions of customers and entrepreneurs from across the nation many of whom will be new to credit. Your work will help them access formal credit sources and promote financial inclusion. What You Will Do Create and evolve credit policies: Work closely with business team and lenders to define Meesho\'s credit policies.Ensure correct implementation of credit policy in own, vendor, and partner platforms .Propose policy renewals and improvement basis both internal signals and external benchmarking. Develop credit risk assessment models: Create and operationalize risk models for credit underwriting, limit assessment, pricing, line management, and collections for Meesho consumers and sellers.Manage the model through its lifecycle and lead the refinement and evolution of the model and outputs over time. Liaise with internal and external stakeholders Lead discussions with banks/lenders for partnerships.Develop revenue and risk sharing constructs .Manage discussions and processes with internal stakeholders, including legal, infosec, FinOps etc What You Will Need 5+ years of experience in risk modeling and credit policy making preferably using alternate data sources. Experience at a bank and credit card products will be preferred. Experience with developing risk analytics and data science models. Entrepreneurial mindset that can design and drive experiments to innovate and push boundaries. Bias for output oriented and fast-paced work environment Above all, we are looking for highly motivated creative problem solvers with can-do attitude About Meesho Meesho is India\'s fastest growing e-commerce company. We started in 2015 with the idea of helping mom & pop stores to sell online. Today, 5% of Indian households shop with us on any given day . We\'ve helped over 15 million individual entrepreneurs start online businesses with zero investment. We\'re democratising internet commerce by offering a 0% commission model for sellers on our platform \' a first for India. We aim to become the e-commerce destination for Bharat. How Find out from ! We\'re currently valued at $4.9 billion with marquee investors supporting our vision. Some of them include Sequoia Capital, Softbank, Fidelity, Prosus Ventures, Facebook and Elevation Capital. We were also featured in , and were the only Indian startup to make it to Fast Company\'s We ranked 6th in . Our strongest asset is our people. We have gender-neutral and inclusive policies to promote our people-first culture. Please check out for our openings. Our Mission Democratise internet commerce for everyone Our Purpose Har Indian ka APNA MARKET

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