AM/M - Risk Analytics - User Lending

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?

This person will be responsible for driving the analytics behind these questions for User Lending - creating analytical frameworks, developing high quality analysis, driving insights and actions, and recommending policy decisions, across a well-established BNPL portfolio and a Personal Loans portfolio that is still scaling.

Your role will focus on:

• Owning the risk for one or more segments of the portfolio while maintaining a healthy growth.

• Analyzing credit policies using Meesho platform data, bureau data, SMS data, and other alternate data.

• Creating policies, scorecards and models (Application Score, B-Score, Collection Scores) for BNPL and PL.

• Designing experiments to test cohort behaviour, experimental policies, and new opportunities for growth.

• Identifying pockets of risk within the portfolio that don't make sense, and identifying leading indicators / EWS.

• Automating reporting and tracking of the portfolio at multiple levels - Ops performance measures, key performance indicators, and their drivers.

• Refining credit policies based on data and creating new policies for unexplored segments, including building day-1 policies for Personal Loans as the product scales.

• Configuring and testing rules in the real-time Business Rule Engine (BRE), and working with the Bureau Feature Store to define new underwriting features.

About us 

Welcome to Meesho, where every story begins with a spark of inspiration and a dash of entrepreneurial spirit. We're not just a platform; we're your partner in turning dreams into realities.

Curious about life at Meesho? Explore our Glassdoor - our people have a lot to say and they've helped us become a loved workplace in India.

Our Mission

Democratising internet commerce for everyone — Meesho (Meri Shop) started with a single idea in mind: to be an e-commerce destination for Indian consumers and to enable small businesses to succeed online.

We provide our sellers with benefits such as zero commission and affordable shipping solutions in the market. Today, sellers nationwide are growing their businesses by tapping into Meesho’s large and diverse customer base, state-of-the-art tech infrastructure, and pan-India logistics network through trusted third-party partners.

Affordable, relatable merchandise that mirrors local markets has helped us connect with internet users and serve customers across urban, semi-urban, and rural India. Our unique business model and continuous innovation have established us as a part of India’s e-commerce ecosystem.

Culture and Total Rewards

Our focus is on cultivating a dynamic workplace characterized by high impact and performance excellence. We prioritize a people-centric culture, dedicated to hiring and developing exceptional talent.

Total rewards at Meesho comprise a comprehensive set of elements — monetary, non-monetary, tangible, and intangible. Our 9 guiding principles, or "Mantras," are the backbone of how we operate, influencing everything from recognition and evaluation to growth discussions. Daily rituals and processes like “Problem First Mindset,” “Listen or Die,” our Internal Mobility Program, Talent Reviews, and Continuous Performance Management embody these principles.

We offer competitive compensation — both cash and equity-based — tailored to job roles, individual experience, and skill, along with employee-centric benefits and a supportive work environment. Our holistic wellness program, MeeCare, includes benefits across physical, mental, financial, and social wellness. This includes extensive medical insurance for employees and their families, wellness initiatives like telehealth, wellness events, and fitness-related perks.

To support work-life balance, we offer generous leave policies, parental support, retirement benefits, and learning and development assistance. Through personalized recognition, gratitude for stretched work, and engaging activities, we promote employee delight at the workplace. Additional benefits such as salary advance support, relocation assistance, and flexible benefit plans further enrich the Meesho experience.

At Meesho, we are committed to creating an inclusive and accessible workplace where every individual can thrive. In compliance with the Rights of Persons with Disabilities Act, 2016, we uphold the following principles:

• Equal Opportunity: We ensure that employment opportunities are never denied on the grounds of disability if the candidate is otherwise competent to perform the job.

• Accessible Workplace: Our facilities are designed to be fully accessible, with amenities and assistive devices provided to support differently abled individuals in their work.

• Inclusive Hiring Process: We adopt a transparent and non-discriminatory selection process, including providing application forms in alternate formats and offering reasonable accommodations during interviews upon request.

• Career Growth: We provide adequate training post-recruitment and pre-promotion, with training materials available in accessible formats to enable equal career progression.

• Support & Confidentiality: A dedicated liaison officer/committee addresses concerns and grievances, while maintaining strict confidentiality of disability-related information.

• Awareness & Inclusion: We conduct awareness programs to promote a culture of inclusivity across the organization.

Meesho welcomes applicants and employees of all abilities and is dedicated to fostering an environment where differently abled persons can achieve their full potential.

Know more about Meesho here : https://www.meesho.io/