Valuation Analyst

Become Part of the Tilt FamilyAt Tilt, we illuminate the financial potential that traditional lenders often overlook. Our innovative mobile-first solutions, powered by advanced machine learning credit models, delve beyond mere credit scores, integrating over 250 real-time financial signals to unveil true potential. Recognized among the next billion-dollar startups, we are not just revolutionizing access to financial products; we are crafting a modern credit ecosystem that empowers individuals in their diverse financial journeys.Your Role: Credit Analyst, NIRA We are on the lookout for a skilled Credit Analyst to bolster the growth and risk management of Tilt's lending arm in India, NIRA Finance. This position is pivotal in shaping our credit policies, analyzing portfolio performance, and collaborating with data science and technology teams to facilitate scalable, data-informed lending decisions.This role is high-impact, offering significant ownership, visibility, and the chance to profoundly influence credit decision-making processes within a rapidly expanding fintech landscape.Your ImpactCraft and enhance credit policies that align with our business growth and risk management objectives.Conduct in-depth portfolio performance analysis and derive actionable insights from data.Collaborate with Data Science, Technology, and Product teams to translate insights into effective execution strategies.Oversee risk metrics and evaluate performance against industry benchmarks.Engage with NIRA leadership and external lending partners to promote responsible lending practices.Disseminate learnings and best practices with global credit and data teams to foster continuous improvement.Qualifications for SuccessA minimum of 4 years of experience in credit risk analysis, data analytics, or unsecured lending, with a preference for candidates familiar with the Indian market.Proficient in SQL (required), with additional skills in Python and Excel being advantageous.Experience in developing credit policies, risk frameworks, and portfolio monitoring strategies.Exceptional analytical and problem-solving capabilities, coupled with strong communication skills.Adept at thriving in dynamic, collaborative environments.Bachelor’s degree in a relevant discipline.Our Recruitment ProcessInitial screening with HR.Technical interview focusing on analytics and credit policy.Final interview with leadership.

Join our dynamic team at weekday-1 as a Credit Risk Analyst. In this pivotal role, you will be responsible for analyzing credit risk and providing insights to guide our financial strategies. You will collaborate with various departments to ensure our credit policies are robust and effective.

Conduct thorough quality control audits for post-loan closing and pre-funding processes. Ensure all documentation is accurate and complete prior to the release of loan documents, and verify post-closing documentation for accuracy, confirming the presence and proper execution of all supporting documents. Document and report any loan exceptions found during the review process.Possess expertise in RADD, forensic reviews, and QM (Conventional, FHA, VA, USDA), as well as non-QM and portfolio loan assessments.Review credit and income details; calculate income from employment, self-employment, rental sources, and any other income streams.Identify potential red flags in loan files through comprehensive reviews of income documentation, asset information, credit reports, fraud reports, and exclusionary lists.Analyze entity documentation to gain insights into business structures and authorized signers.Familiarity with relevant federal regulations and state laws is advantageous.Demonstrate the ability to prioritize tasks and interpret policies, programs, and guidelines effectively.Exhibit strong attention to detail, excellent organization, and communication skills.Manage multiple tasks, embrace new responsibilities, and prioritize effectively within a deadline-driven environment.Showcase strong interpersonal and teamwork abilities, with the capacity to influence through collaboration.Be self-motivated, displaying high personal energy and commitment.Be open to working night shifts as required.

Become a Key Player at TiltAt Tilt, we believe in seeing beyond the conventional metrics that traditional lenders rely on. Our innovative, mobile-first solutions and advanced machine learning credit models utilize over 250 real-time financial signals to uncover true potential. Recognized as one of the next billion-dollar startups, we're not only transforming access to financial products but also revolutionizing the credit system to empower individuals in their endeavors.Your Role: Growth Product Manager, NIRANIRA aims to establish itself as the premier financial brand for Middle India. As a Growth Product Manager, you will spearhead the growth strategy, focusing on acquisition, activation, retention, and monetization.You will collaborate across product, data, marketing, partnerships, and engineering teams, enhancing user journeys, conducting experimentation, and executing deep integrations with banks and NBFC partners throughout the loan lifecycle.Your ImpactOversee growth funnels and conversion metrics during onboarding, application, decisioning, and disbursals.Leverage data and experimentation to pinpoint bottlenecks and drive tangible outcomes.Conduct A/B testing and swiftly iterate throughout the user journey.Collaborate closely with Engineering, Credit, Operations, and Marketing teams to execute high-impact initiatives.Lead product initiatives for NBFC and bank integrations, balancing growth with risk and compliance.Your Qualifications6+ years of experience in product or growth roles, preferably in fintech, lending, or B2C tech sectors.Strong analytical skills with hands-on experience in SQL, Python, and analytics tools such as Mixpanel, Amplitude, or GA4.Demonstrated ownership of growth metrics and the ability to thrive in fast-paced, ambiguous environments.Excellent communication skills, capable of translating data insights into actionable decisions.Bonus: Familiarity with NBFCs, MarTech stacks, or regulated systems.Our Interview ProcessInitial Recruiter Call: A discussion to explore your background and what you seek in your next opportunity...

As an Associate in Commercial Credit at Arena Investors LP, you will take the lead in managing bespoke commercial credit investments focused on private cash flow lending. Your expertise will cover structured credit, asset-based lending, and specialty finance, ensuring our portfolio remains robust and responsive to market dynamics.Your responsibilities will include monitoring portfolio performance, identifying emerging risks, and proposing proactive credit measures or mitigants. You will engage extensively with Front Office, Finance, Legal, and Operations teams throughout the investment lifecycle to drive successful outcomes.Your analytical skills will be put to the test as you perform ongoing monitoring, including borrower financial analysis, cash-flow modeling, collateral analysis, and covenant assessments. Prepare insightful presentations and dashboards that detail transaction structures, credit risk assessments, downside scenarios, financial projections, and investment recommendations.In collaboration with the Valuations and Accounting teams, you will also be responsible for periodic valuation support and performance analysis of assigned investments. Your role may involve supporting amendments, waivers, refinancing, and restructurings, ensuring seamless coordination with other teams.We are looking for a proactive individual who can take ownership of complex assets and analyses while providing guidance and training to team members and support analysts.

Tilt creates mobile-first financial products designed for people often left out by traditional lenders. Using machine learning and more than 250 real-time financial indicators, Tilt looks past standard credit scores to find real opportunities for millions of customers. The company aims to make financial access fairer and help individuals reach their goals. Role overview NIRA, part of Tilt, is a fintech company in India where data science is central to business growth. The data science team is expanding its modeling work across the full credit lifecycle, supporting smarter decisions, better pricing, improved collections, and a deeper understanding of customers. As a Senior Data Scientist in Bengaluru (hybrid), you will join a close-knit team and work on projects that directly influence business results. Team members collaborate with colleagues in Bangalore, the Philippines, and Mexico. What you will do Build and manage credit models: Design and oversee models for decisioning, pricing, bank statement analysis, collections, and marketing. These models have a direct impact on business performance. Turn data into action: Address current gaps by developing behavioral models, collections frameworks, and risk-based pricing strategies. Use insights from data to guide your work, with at least one decisioning model already live. Lead projects end to end: Scope, explore, deploy, and monitor your own projects. Take initiative to improve processes when you see opportunities. Communicate clearly: Explain complex modeling concepts to moderately technical stakeholders. Present new ideas and help align the team around your approach. Collaborate across borders: Work closely with data scientists in Bangalore, the Philippines, and Mexico. Share insights and keep information moving between teams. Apply AI tools creatively: Use AI platforms such as Claude in your daily work, bringing a creative approach to problem solving. Requirements Hands-on experience building credit models for decisioning and risk scoring. Experience in fintech or non-bank lending is preferred. Location This is a hybrid position based in Bengaluru, India.

Join our dynamic team at weekday-1 as a Credit Risk Manager. In this pivotal role, you will be responsible for assessing and mitigating credit risks to ensure the financial health of our organization. Your expertise will drive strategic decisions and influence our credit policies.We are looking for an individual who is detail-oriented, analytical, and possesses a strong understanding of credit risk assessment methodologies. If you have a passion for financial analysis and a desire to contribute to our success, we want to hear from you!

We are seeking a motivated Credit Analytics Intern to join our team. The successful candidate will be responsible for developing comprehensive financial models and preparing detailed credit reports. Ideal candidates should possess a strong foundation in financial analysis concepts and demonstrate excellent communication skills. This role is an individual contributor position, offering a valuable opportunity to gain practical experience in credit analytics.

Role overview OakNorth is seeking a Credit Analytics professional at either the Assistant Vice President (AVP) or Deputy Vice President (DVP) level. The position is available in Bengaluru or Gurugram and centers on supporting the company’s approach to intelligent financial technology for business clients. What you will do Use advanced analytical techniques to assess credit risk and guide lending decisions. Contribute to the creation of data-driven strategies that help strengthen OakNorth’s credit portfolio. Collaborate with teams across the business to develop solutions aligned with OakNorth’s mission. Location This role is based in either Bengaluru or Gurugram.

Become a Vital Part of the Tilt TeamAt Tilt, we recognize potential where traditional lenders often overlook it. Our innovative, mobile-first products and machine learning-driven credit models delve beyond mere credit scores, leveraging over 250 real-time financial indicators to identify genuine capability. Celebrated as one of the next billion-dollar startups, we are not just redefining access to financial products — we are pioneering a new credit ecosystem that empowers individuals in their pursuits.NIRA is on a mission to develop a consumer credit platform tailored for Middle India, aiming to serve approximately 200 million underserved individuals. Operating in over 5000 cities and handling more than 15,000 loan applications daily, NIRA is supported by and integrated with the US-based Tilt.Exciting Opportunity - Senior Backend Engineer, NIRAWe are in search of a talented Senior Software Engineer to join NIRA’s dynamic engineering team. In this role, you will play a crucial part in shaping the infrastructure strategy and product roadmap. This position offers a unique opportunity to make significant contributions to technical projects, fostering immense potential for career advancement.This position is Hybrid, requiring 2-3 days per week in our Bangalore office.Your ImpactCollaborate closely with the local NIRA Engineering team and partner with the broader APAC Engineering team to enhance our platform’s scalability.Expand our platform to accommodate a variety of financial products and underlying instruments.Iterate on credit policies and enhance credit decision-making systems.Engage with product, credit/finance, compliance, support, and analytics teams to drive collaborative initiatives.Your QualificationsProficient in Java (experience with .NET is a plus).Proven experience in AWS environments, utilizing tools such as DynamoDB, Athena, and Lambda.Experience in developing scalable technical solutions and enhancing platform scalability.Excellent communication skills, with the ability to convey technical solutions clearly to diverse audiences.

About Rentokil Initial Hygiene Rentokil Initial Hygiene India is a global leader in hygiene solutions, with operations spanning over 90 countries. With a century of expertise, we provide tailored services that ensure complete peace of mind for businesses. Our comprehensive range of washroom hygiene services includes air fresheners, sanitizers, feminine hygiene units, hand dryers, soap dispensers, and floor protection mats. For more details, visit: https://www.initial.com/in/ Role Overview:As an Executive/Sr. Executive/Assistant Manager in Credit Control, you will play a pivotal role in achieving collection targets, maintaining Days Sales Outstanding (DSO), and overseeing invoice submissions and new accounts. You will collaborate effectively with both internal and external stakeholders to drive results.Key Responsibilities:● Manage the collection portfolio for the assigned branch and achieve set collection targets.● Closely monitor new accounts and work with the sales team to drive collections within the first three months.● Ensure that invoice submissions by the operations team are timely and accurate.● Resolve customer queries regarding GST, billing, and other issues promptly.● Conduct diligent follow-ups with customers for collections.● Maintain DSO as per company policy.● Identify and communicate non-payment issues for corrective actions.● Visit customers with outstanding amounts exceeding 150 days.● Scrutinize account ledgers and conduct customer reconciliations.● Review accounts weekly to minimize unapplied cash.● Adhere strictly to the company’s credit policy.Key Performance Indicators:● DSO metrics● Reduction of 180+ bucket outstanding● Control over unapplied cash

Join our dynamic Asset Management team as an Analyst or Senior Analyst, where you will play a pivotal role in portfolio account surveillance, monitoring, reporting, and valuation.Your responsibilities will include conducting thorough financial analysis and research on prospective and existing portfolio companies, alongside their respective industries. You will analyze management performance, cash flows, asset collateral quality, deal structures, and covenants to assess a firm’s competitive positioning.Utilizing advanced financial modeling techniques, you will create detailed models for projections, covenant sensitivity analyses, and IRR calculations. Additionally, you will assist in generating credit and performance reports, and presentations to communicate insights effectively.As part of your role, you will continuously monitor assigned sectors and portfolio companies, collaborating with legal, financial, valuation, and accounting advisors on account management, due diligence, and documentation. You will also assist in structuring transactions and facilitate deal closings and amendments.Moreover, you will contribute to the development and implementation of process and procedural frameworks, ensuring efficient file maintenance protocols. This role will also involve leading and participating in various project-oriented assignments.

Join etag2 as a Business Systems Analyst and play a crucial role in bridging the gap between business needs and technology solutions. You will collaborate with various stakeholders to gather requirements, analyze existing systems, and design innovative solutions that enhance operational efficiency.

As a Junior FinCrime Analyst at Deblock, you will be instrumental in delivering outstanding support to our customers while ensuring a secure and compliant environment for all. This is an exciting opportunity to join an innovative company that's making significant strides in the FinTech industry.Role OverviewEngage as a key member of our first line of defense against financial crime.Thoroughly review and investigate financial crime cases to determine outcomes.Escalate suspicious activities to internal experts for further analysis.Adhere to established policies, procedures, and guidelines in your work.Collaborate with various teams to provide efficient support, striving to maintain high levels of customer satisfaction.

Join Informagroup PLC as an Investment & Governance Analyst, where you will leverage analytical skills to support investment strategies and governance frameworks. You will collaborate with cross-functional teams to ensure compliance and drive impactful decision-making processes. This role is pivotal in guiding our investment initiatives and ensuring governance standards are met.

Konovo seeks a Business Intelligence Analyst based in Bengaluru, Karnataka, India. The position centers on turning data into actionable insights that inform decisions throughout the company. Key responsibilities Work closely with stakeholders to understand their business objectives and gather detailed requirements. Analyze data sets to identify trends, patterns, and potential opportunities for improvement. Create and present reports that support strategic planning and guide decision-making across the organization. By providing clear analysis and communicating findings, this role directly supports Konovo's goals and ongoing growth.

Transaction-Related Research Support Conduct in-depth research across various industries and sectors to assist in evaluating transactions, including: Summarizing findings from consultant research into clear and concise reports or data visualizations. Identifying comparable transactions and their terms relevant to proposed deals. Locating potential information sources or experts for the formal due diligence phase. Processing and analyzing extensive data sets regarding prospective borrowers (customers, financial information, etc.). Executing valuation and financial analyses, as well as conducting comprehensive industry research. Non-Transaction Related Research Support Analyzing specific industries and segments (including issues, key players, recent transactions, and capital providers) to uncover potential opportunities for Arena, such as Litigation Funding. Leading research initiatives to support the European Credit team’s new business development efforts. Personnel: Identifying potential hires for Arena. Firms: Researching firms for strategic partnership opportunities in targeted sub-sectors. Companies: Finding potential companies for funding or acquisition (portfolio companies). Lead Generation and Knowledge Management Utilizing the internet, Arena's subscribed databases, and other resources to generate leads, including brokers and vendors across Europe. Employing the firm’s proprietary CRM system to track and manage leads through the pipeline, coordinating with Operations for all necessary administrative tasks. Developing and maintaining internal metrics and information related to past deals within a specific Arena vertical or sub-vertical. Updating and standardizing templates for pre-deal, deal, and post-deal documentation. RequirementsThe ideal Financial Analyst should demonstrate significant initiative and creativity in identifying the right sources. This role carries substantial responsibility for shaping the output of various research products and involves close collaboration with team members, including Managing Directors. Candidates should be adept at data collection through multiple methods (databases, Google searches, etc.), interpreting data, and synthesizing research findings into structured reports or summaries.Preferred candidates will possess relevant work or educational experience in financial analysis, such as working as an analyst or accountant, or studying financial management or analysis.A self-starter mentality is critical, as the role offers considerable autonomy, and candidates must be fully comfortable working remotely.

Join us at Altisource as a Mortgage Processing Analyst and embark on an exciting journey in the mortgage industry! We are seeking an enthusiastic professional to enhance and manage client relationships under the Altisource brand. This is an excellent opportunity to become part of a dynamic and stable organization.Key Responsibilities:Maintain a comprehensive understanding of US Mortgage Originations closing processes and comply with federal and state lending regulations.Process loans and verify that all necessary documentation is included to prepare closing documents accurately.Interpret and apply state laws, federal regulations, and investor guidelines to individual loan cases.Conduct audits of closed loan disclosures and signed loan documents for accuracy.Communicate effectively with US-based Underwriters, Clients, and Subject Matter Experts to ensure high-quality outputs.

The IT Application Technical Analyst position is an exciting mid-level role within the IT Application Analyst job family. This key role involves delivering expert technical support for business application administration. The successful candidate will work closely with application analysts, development teams, infrastructure teams, and business stakeholders to ensure exceptional system reliability, availability, and performance.Key Responsibilities:Business Application Administration: Execute various tasks related to business application administration, including patching, upgrades, and security configurations. Responsibilities also include managing user access, performing health checks, and maintaining integration with external systems.System Installation, Upgrading, and Maintenance: Responsible for installing, upgrading, and maintaining business application systems while ensuring data integrity across development, QA, and production environments.Troubleshooting and Problem Resolution: Analyze and resolve technical issues in collaboration with application and infrastructure teams.Configuration Management: Configure monitoring systems for business applications and databases, ensuring optimal performance through regular tuning.Desired Skills:Strong analytical abilities with a proactive approach to problem-solving.Exceptional time management skills and the ability to navigate complex issues with competing priorities.Effective verbal and written communication skills, fostering collaboration across teams.