We Enable Credit-as-a-Feature in a White-Labelled manner on other apps and websites to boost the Retention and Stickiness of their users. We take care of Risk, Capital, Operations and everything in-between. Brands integrate everything right out of the box in less than 2 hours.

Our Modular yet Simple APIs enables use cases like Embedded Credit-Line (Payments/NeoBanks/Savings), Khata (Groceries), Pay in 3 (Fashion/E-Commerce), Try & Buy (Social Commerce/Fashion), Cart Abandonment to Pay Later (Shopify/Woo commerce/D2C), etc instantly!

About the Company :

BharatX is a VC Backed early-stage FinTech startup that uses technology to empower the Indian Middle Class with credit. Approximately 110 Million Households whose income is more than 5 lakh per annum, do not get access to Formal Credit. BharatX wants to change that by enabling Credit-as-a-Feature on Consumer facing apps!
Our access to data allows us to innovate with products which remove barriers and lowers costs at the same time. We are changing the way credit is made available to the Indian middle class.You will be entrusted with a portfolio of our key clients. Your primary responsibility will be to nurture these relationships, ensuring a deep and enduring trust between our clients and our company.

Responsibilities :

• Credit Risk Modeling: Assist in developing models to assess credit risk and predict financial outcomes.

• Data Analysis & Reporting: Analyze large datasets to extract meaningful insights. Prepare reports and dashboards to present findings to stakeholders.

• Market Research: Conduct research to understand market trends and customer needs.

• Collaboration with Teams: Work with sales, marketing, and product teams to implement data-driven strategies.

• Process Improvement: Identify and recommend improvements in data collection and processing techniques.
  
  Requirements :

• A minimum of 1-2 years of experience in a data analysis role, preferably in the financial services or B2B sector.

• Proficient in data analysis tools (e.g., SQL, Python, R) and visualization software (e.g., Tableau, Power BI).

• Experience in credit risk analysis or financial services is a plus.

• Strong analytical and problem-solving skills.

• Excellent communication and collaboration abilities.
  
  Benefits :

• Best-in-Class ESOP Policy: You get either equal or better terms than founders for your ESOP Policy

• Unlimited Paid-Time-Off: Next time you need time for a loved one's birthday or a trip to Goa with friends, just go. PS: do invite us too.

• Insurance for all: You and your family (Spouse, Parents/In-Laws and Children) are all covered with the best insurance policy out there

• Maternity and paternity Leave: Because Hey! You both deserve to spend time with the little one

We are stack agnostic, and focus on hiring people who are quick learners with a great work ethic. At BharatX, we follow a flat hierarchy - everyone in the company is equally responsible and as important as the founders in driving the company towards a common goal.