Kaleidofin Capital Pvt Ltd (KCPL), incorporated on March 19, 2021, is a Non-Banking Financial Company (NBFC) focused on enabling finance to informal enterprises and underserved customer segments often overlooked by traditional financial institutions. KCPL, a wholly owned subsidiary of Kaleidofin Pvt Ltd (KPL) and operates as part of a larger digital ecosystem built by KPL whose mission is to ensure finance for everyone, everywhere. KCPL specializes in enterprise loans [Nano Business, Agri/Dairy, Women entrepreneur loans] and leverages KPL’s ki credit platform and ki score driven origination via a partnership model with high quality originators
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 financing gap for informal and small-scale businesses.
Utilizing the proprietary “ki score” – an advanced supervised machine learning algorithm that specializes in assessing credit risk for thin file customers, KCPL has built credit book of INR 1.8 billion, primarily focused on informal micro-enterprises, agricultural and allied industries, and loans for women entrepreneurs. This growth is backed 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 co-founder 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 customer impact. The leadership team combines years of experience with a shared commitment to driving meaningful change through delivery of suitable finance.
Kaleidofin Private Limited is a fintech focused on the mission to build a digital ecosystem ensuring finance for everyone, everywhere. We provide the ki credit platform, combining credit health assessment (ki score), middleware rails and best-in-class risk management (ki view) to enable the financial ecosystem to serve customers better. Via credit health scores for impactful finance and innovative debt structures to scale, Kaleidofin is driving towards its goal to unlock access to tailored finance for women, agri and nano entrepreneurs – in India, Bangladesh and East Africa. The platform has unlocked debt capital of cumulatively more than USD 4.27 billion for over 6.75 million customers and small enterprises working in the informal economy. Over the years, Kaleidofin has raised capital of USD 42 million from marquee investors, including The Bill & Melinda Gates Foundation, The Michael & Susan Dell Foundation, Rabo Partnerships, IDH Farmfit Fund, Oikocredit, Flourish, Omidyar Network, Blume Ventures, and Bharat Fund, who share our commitment to financial inclusion and impact
To know more about Kaleidofin capital, do visit our site https://kaleidofincapital.com
• Maintaining oversight of the developments in the MFD, RIA, NBFC, digital lending, andaccount aggregator, to proactively manage the potential regulatory risk exposure ofaffected divisions/departments and ensure compliance with the statutory requirementsand regulations prescribed by SEBI / AMFI / RBI / FIU-IND and all other applicablelegislations.
• Develop, implement, and maintain regulatory policies/procedures/processes under theCompliance Program, including review mechanisms & processing, to ensure its continuouseffectiveness in ensuring all applicable compliances by the company. Identifying andassessing Compliance risks in business & operation functions, and their mitigation measuresincluding checks.
• Collaborate with cross-functional teams to facilitate the implementation of compliancerequirements at all levels/processes of the organization. Work closely with internal teamsto ensure the relevant legal and regulatory requirements are well understood and reflectedin the relevant documentation and internal procedures and processes.
• Develop solutions to address specific challenges faced by the business units in regulatorycompliance matters including impact assessments. Being the face of the Compliance unit,in discussion with the Product team to ensure all regulatory gaps are addressed andexecuted as per regulatory requirements. Review new products/ features on the platformand provide sign-off on the control testing reports.
• Responsible for the preparation of reports related to compliance with internal & externalstakeholders/parties and submitting updates to senior management on critical complianceissues for immediate attention and escalation.
• Assisting with evaluating telecalls, conducting internal compliance reviews/audits, analysinginvestment patterns and preparation of Suspicious Transaction Report (STR), andmonitoring activities, of the departments involved. Obtaining data from variousdepartments & review the same before submission for audits/inspection.
• Coordination for Politically Exposed Person (PEP) related customers checks/onboarding andmonitoring of PEP customers. Specific responsibilities may include trade monitoring; reviewof marketing materials and electronic correspondence; employee training; responding tothird-party due diligence requests; oversight of service providers; GIPS reporting; riskassessment, preparation for regulatory examinations; etc
• Liaison with the SEBI, AMFI, RBI, SRO, RE's & any other Statutory authorities and support inregulatory Inspection and related activities. Handling regulatory reporting, queries, and adhoc requests. Review and Monitoring of Regulator escalated complaints & Ombudsmanmatters.
• The candidate will be suitably well versed with the appropriate information securityresponsibilities for the role and is responsible for adhering to them.
• Post Graduate in Commerce / Business Admin. / Corporate Secretaryship / Law. Weightagewill be given for additional certification in Compliance/Risk Management/Governance/AML.
• 4 - 8 years of professionally qualified experience in relevant banking & financial industry / aregistered investment distributor / adviser, with proven track records.
• Excellent verbal and written communication skills and keen attention to detail and accuracy.Hindi language proficiency is preferred.
• Strong analytical skills with good MS Office knowledge and should be a self-starter and ateam player.
• Comfort in taking initiative, with minimal supervision at all levels of the organization.
• Experience in handling Regulatory/Statutory Compliance’s related reporting andrequirements
If you fit the bill, write to me at careers@kaleidofin.com
Chennai