Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a prominent Non-Banking Financial Company (NBFC) focused on delivering innovative credit solutions to underserved communities often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd, operates as part of a larger fintech ecosystem dedicated to providing comprehensive, customer-centric financial services. With a mission to enhance financial inclusion, KCPL specializes in retail lending through partnerships with Business Correspondents (BC), targeting both individual and Micro, Small, and Medium Enterprise (MSME) customers.
KCPL received its NBFC certification in 2022, officially authorizing it to conduct lending activities. Since then, the company has expanded its operations to over 437 districts across 12+ states in India, leveraging Kaleidofin’s established presence in these regions. This extensive reach allows KCPL to make a substantial impact in rural and semi-urban regions, effectively bridging the financial services gap for informal and small-scale businesses.
KCPL uses cutting-edge technology and data analytics to create personalized financial plans that align with customer goals. Utilizing the proprietary “ki score” – an advanced supervised machine learning algorithm which helps in ensuring efficient service delivery, affordability, and accessibility by underwriting loans for customers with limited documentary evidence on income.
With robust underwriting and risk management frameworks, KCPL has pioneered innovative lending solutions such as small business loan securitizations and co-lending models.
KCPL has built a credit book of INR 1.1 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth has been driven by partnerships with banks, large NBFCs, and a strong network of originators. Additionally, KCPL’s expertise in debt capital markets and structured finance has enabled it to leverage a diverse set of funding sources to support its lending initiatives.
KCPL’s strategic direction is guided by a distinguished board, including three promoter directors: Mr.Puneet Gupta, Mrs. Sucharita Mukherjee, and Mr. Vipul Sekhsaria. They are supported by Independent Director Mr. Ramanathan. Kaleidofin Capital is led by a team of seasoned professionals with deep expertise in finance, technology, and social impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through financial empowerment. This experienced leadership team brings a wealth of industry expertise, driving KCPL’s mission.
Through a combination of deep market presence, cutting-edge technology, and strong partnerships,KCPL is positioned as a trusted financial services provider, fostering financial inclusion and supporting the growth of India's underserved communities.
To know more about Kaleidofin capital, do visit our site https://kaleidofincapital.com
• Part of a team of partner growth managers across the region and shall be responsible for prospecting and sourcing suitable business partners who shall originate business through the Kaleidofin platform for associate lender partners.
• Conduct a field due diligence of these partners, prepare credit notes to present to the credit committee within expected timelines.
• Build and manage the business pipeline for high growth and scale on the platform.
• Support Process Excellence team, Credit team in day-to-day functions wherever needed.
• Manage the portfolio of clients assigned and enforce commercially agreed terms and ensure compliance to the company policies and regulatory guidelines.
• Assist in the cross-sell of the company’s products and contribute to the company’s profitability and growth.
• She/He shall be in a business role managing credit business relationships at Kaleidofin. This is a challenging opportunity for early business managers / relationship managers with a minimum 3years’ experience in financial services to play a pivotal role in Kaleidofin’s journey in achieving its mission to propel the informal banking segment in achieving their financial goals.
• Be an out-of-the-box thinker.
• Have an ability to continuously look for blockers and figure out ways to remove them.
• Wear the hats of Risk, Compliance, Operations with ease, drive business and take decisions always keeping this balance.
• A good communicator with negotiation skills with an ability to continuously engage with business partners in order to create a win-win and build the business.
• A self-starter who is always on the lookout for new business opportunities.
• Prior experience in writing detailed Credit Assessment Memos and doing detailed financial analysis.
• The candidate will be suitably well versed with the appropriate information security responsibilities for the role and is responsible for adhering to them.
• Graduate / Postgraduate / Professional qualification
• Minimum 2 years work experience in the financial services sector
• Connects in the financial services sector to keep abreast of latest developments in the sector
• Good understanding of NBFC’s and their business models
• Good understanding retail lending and related processes
• Good understanding of financial reports of financial institutions
• Good understanding of RBI Guidelines related to – lending, third party outsourcing,
• NBFC’s related guidelines, PSL.
• Should have a good understanding of and prior experience in understanding business. Requirements and related risks, and draft suitable credit policies and rules for underwriting.
• Should have prior experience in underwriting retail loans of several assets classes which should include but not be restricted to MFI – JLG loans, Unsecured Business Loans, Asset backed loans like home loans, LAP and / or vehicle loans.
• Basic knowledge of Business Correspondent / Co lending. An understanding of Securitization /Direct Assignment business would be a plus.
If you fit the bill, write to me at careers@kaleidofin.com
Chennai, Mumbai, Bangalore