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
As a Risk Analyst, you will play a pivotal role in monitoring and managing the health of our loan portfolio, identifying emerging risk trends, and driving data-backed decisions. You will also contribute to the design and pricing of new financial products, ensuring profitability and sustainability. This is a high-impact role that blends financial acumen, analytical rigor, and strategic thinking.
• Monitor loan portfolio performance and identify early warning signals and risk trends
• Conduct detailed reconciliation of financial data and cash flows
• Perform profitability analysis across products and customer segments
• Develop and run risk scenarios and stress tests to assess portfolio resilience
• Create and refine pricing models for existing and new financial products
• Support internal audits and portfolio reviews with robust risk insights
• Forecast portfolio behaviour using historical data and predictive analytics
• Collaborate with product and credit teams to design innovative financial offerings
• Prepare high-quality presentations and dashboards for internal and external stakeholders
• Bachelor’s or Master’s degree in Finance, Economics, Statistics, or a related field
• 3–7 years of experience in risk management, portfolio analytics, or financial modelling
• Prior experience in portfolio audits or credit risk management is highly desirable
• Advanced Excel skills (including macros, pivot tables, and financial modelling)
• Strong analytical mindset with the ability to interpret complex data sets
• Excellent communication and presentation skills
• Detail-oriented with a proactive approach to problem-solving
• Familiarity with BI tools (e.g., Power BI, Tableau), SQL Queries, or programming (e.g., Python, R) is a plus
What we offer?
• A high-growth, innovation-driven environment
• Collaborative and inclusive culture
• Exposure to cutting-edge fintech products and strategies
• Opportunities for continuous learning and development
• Competitive compensation and performance-based incentives
Job location:
• Chennai
If you fit the bill, write to me at careers@kaleidofin.com
Chennai