AM/M - Risk Analytics - User Lending

Meesho · Bangalore, Karnataka · Refreshed 19 days ago · Financial Services

About this role

About the Team Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing 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 us. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, becoming our key growth and revenue driver. We have found our Product-Market Fit, built and proved 0-1 and 1-10 journeys. Now looking for someone who can be the founding member of a 10-100-1000 journey, and this is possibly one of the most exciting and enriching experiences one could consider in their career. About the Role Meesho FS runs two lines of business: SME Lending, which offers Business Loans, and User Lending, which offers BNPL and Personal Loans (PL).  User Lending is now our primary focus in this phase of our FS journey. We have 274Mn ATU, and risk management is at the core of building any sustainable credit business at scale - our being a captive audience means both Growth and Risk are an outcome of underwriting, which is owned by the Risk team. Herein also lies one of our biggest challenges: how do we assess the risk of borrowers without any credit history or income data? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage

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