BharatPe
Website:
bharatpe.com
Job details:
You can become a part of …
Since its inception in 2018, BharatPe has emerged as a premier fintech leader in India, delivering a robust portfolio of financial solutions. Evolving from our pioneering interoperable QR code, we now empower a network of more than 10 million merchants nationwide.
Our mission centers on advancing financial inclusion for the underserved "real Bharat," where traditional banking often falls short due to complex barriers. We dismantle these hurdles by engineering intuitive, localized financial tools designed to perform at a national scale.
We offer our merchant partners a seamless ecosystem integrating QR and PoS payments, credit for working capital, and investment avenues to fuel business growth. Simultaneously, we are rapidly expanding consumer offerings—from BharatPe Flex to digital wealth products—providing a unified platform to borrow, pay, and invest.
These initiatives converge into a singular objective: democratizing digital finance for every Indian citizen and business. Beyond our products, we are dedicated to fostering a high-ownership culture where innovative ideas are realized and impactful work thrives at scale.
We embrace diverse perspectives and creative thinking to continuously refine the customer experience. Our collaborative environment encourages team members to explore bold ideas and solve meaningful problems while maintaining a vibrant, connected workplace culture.
We invite you to engage with us via social platforms or a direct conversation; we look forward to sharing more about our journey.
In this role, you have the opportunity to …
- Develop & grow one of the first successful implementations of lending based on velocity-led underwriting
- Test newer models and engagements for revenue growth
- Straddle zero-to-one experiments and expanding the scope of proven projects as we focus on blitz scaling our revenue growth
- Impact lives of 5m+ merchants and 50m+ consumers
- Work at an organization which encourages to test and learn enabling you to experiment.
Responsibilities will include …
Functional Expertise
- Strategic decisions on how to grow the funnel for lendable base
- Find ways to increase the lendable base through strategic interventions
- Own the disbursal monthly and yearly targets for business segment
- Assess opportunities to unlock merchant eligibility for BharatPe’s lending program and work closely with risk and product teams on projects that enhance underwriting quality
- Own the merchant lifecycle post disbursal of loan to foster a positive relationship and create opportunities for subsequent loans also with BP
- Continuously evaluate merchant journey funnels for loans across customer cohorts and use data backed insights, customer conversations and logical reasoning to build strategies to create step-up improvements in conversion rates
- Assessment of industry wide practices and introducing them at BharatPe to enhance rev per loan
Problem solving
- Execute and monitor closely success of monthly initiatives and experiments for deepening our presence in existing customer segments and geographies that will help deliver our revenue and profit objectives
- Work closely with merchant experience team to resolve key recurring issues and escalations to enhance user experience
Interaction
- Work closely with cross functional teams on developing and executing critical strategies that will sustainably grow BharatPe’s merchant lending program and ensure our lending processes are best-in-class in terms of their efficiency, effectiveness, responsiveness & cost.
To succeed in the role
Impact
- Optimize the merchant lending funnel and its associated cost thereby improving overall efficiency.
- Impact on the revenue funnel to the tune of 500crs
Challenges & Decisions
- Balancing risk management and customer satisfaction while optimizing the funnel.
- Adapting to evolving market dynamics, regulatory requirements, and customer preferences.
- Managing and resolving bottlenecks / challenges within the loan application journey to ensure smooth flow and conversion.
Qualification & Experience (type & industry)
- Graduate or Post-Graduate from a Tier 1 College
- Graduate – 6-8 years of experience | MBA – 4-6 years of experience
- Preferably: Prior fintech/ lending experience is a plus
Skills & know-how
- Solid problem-solving capabilities – Once given a problem you are able to break them down, identify root causes, run associated analysis and recommend solutions that are effective
- Strong stakeholder management – you are able to build relationships across teams and are able to work with them effectively to deliver best possible results
Behaviors
- A curious mind, an eye for detail and a mastery over numbers – you are comfortable with ambiguity, love to experiment and data excites you!
- Strong execution capabilities and rigor – you are not afraid to get your hands dirty, are detail oriented and stay on top of things to ensure you deliver consistently
Click on Apply to know more.