Business Associate - Lending

About Angel One:

For nearly three decades, Angel One has been making investing and wealth creation more accessible and engaging for Indians.

Today, 3.7+ crore customers trust Angel One across investing, trading, wealth creation, and credit.

We are one of the best fintech platforms, building simple, intelligent and seamless financial experiences for millions of users across the country.

From investing and trading to wealth creation and credit, everything we build is focused on making financial journeys easier, faster, more accessible and engaging.

We believe strong fundamentals matter - in investing, in technology and in the way we build our teams.

Trust, simplicity, speed and long-term thinking shape how we work and what we build.

Here, people work on real problems at real scale.

Millions of users interact with our platform every day, and every team plays a role in shaping that experience.

We move fast, take ownership and keep learning along the way.

No matter the role, people here are encouraged to share ideas, challenge the usual and build things that create real impact.

If you're excited to solve meaningful problems, build at scale, and shape the future of financial services, you'll fit right in.

Be part of our team that's scaling sustainably, thinking big, and building for the billion!

Role: Business Associate - Lending

Location: Mumbai

What you will do:

The Business Associate (FinTech Lending) will own the business lifecycle of high-throughput digital lending platform.

You will translate complex consumer lending strategies into highly scalable technical & business requirements.

Your primary focus will be optimizing our automated platform partnerships.

Key Responsibilities:

- Platform Product Backlog: Own the grooming, prioritization, and management of the technical product backlog in Jira for cross-functional product & engineering squads.

- Credit Automation & Rule Engine: Collaborate with Risk Analytics to translate credit scorecards, fraud rules, and automated decisioning logic into scalable system configurations.

- End-to-End Journey Optimization: Map and streamline entirely paperless borrower journeys, focusing on instant onboarding, drop-off reduction, and friction-free user experiences.

- API Ecosystem Orchestration: Write detailed functional specifications for REST API integrations with credit bureaus, identity verification providers (KYC/AML), fraud engines, and payment rails.

- Data-Driven Insights: Utilize SQL to analyze funnel drop-offs, loan performance data, and system exceptions to continuously propose platform enhancements.

- Partner business hygiene: Computation of the payouts for partners and maintaining lifecycles of release and credits into P & L for the business with SLA adherence and maintaining right governance practices.

- Management reporting of the data and required strategy documents.

Who you are:

- FinTech Expertise: 2 - 3 years of experience as a BA or Product Analyst within a FinTech startup, Digital Lending platform, or Neo-bank.

- Technical Skills: Strong understanding of REST APIs, JSON structures, Webhooks, and basic SQL queries & tableau dashboard management.

- Lending Domain: Deep operational knowledge of digital retail lending cycles, including automated underwriting, loan servicing, interest calculation engine logic, and collections.

At Angel One, our thriving culture is rooted in Diversity, Equity, and Inclusion (DEI).

As an Equal opportunity employer, we wholeheartedly welcome people from all backgrounds irrespective of caste, religion, gender, marital status, sexuality, disability, class or age to be part of our team.

We believe that everyone's unique experiences and viewpoints make us stronger together.

Come and be a part of #OneSpace-, where your individuality is celebrated and embraced.