Join Our Team as a Credit Ops Executive

About Olyv:

Olyv Financials is India’s fastest-growing, fully automated next-gen Fintech company, revolutionizing the credit landscape for self-employed micro-entrepreneurs, micro-merchants, and middle/lower-income salaried individuals. Established in 2016, Olyv’s mission is to drive financial inclusion for the underserved. Headquartered in Bengaluru, we’ve empowered over 13 million+ users and disbursed 9 million+ loans across 17,000+ pin codes in India, thanks to our AI and ML-powered app. Recognized by Google’s Launchpad Accelerator, MetLife’s Global Inclusive50, VISA, and IFC, Olyv is backed by leading fintech investors like LGT Lightstone, Accion Venture Lab, and Unicorn India Ventures.

Why Join Olyv?

Are you passionate about working on cutting-edge technology and solving challenging problems?

At Olyv, we value innovation, collaboration, and a drive for excellence. Our culture fosters growth and creativity, empowering team members to make impactful contributions to the rapidly evolving FinTech landscape.

Your Role as Credit Ops Executive:

As a Credit Ops Executive, you will be essential in supporting our risk team by auditing and conducting hindsight reviews of the personal loan underwriting process. Additionally, you will play a key role in manual underwriting for personal loans, ensuring robust and thorough assessments.

1. Credit Underwriting:

● Conduct thorough credit assessments to evaluate the creditworthiness of loan applicants.

● Review and analyze personal loan applications, assessing financial statements, credit reports,

and cash flow projections.

● Utilize advanced credit scoring models and strategies for informed decision-making.

2. Risk Analysis & Hindsight:

● Identify and evaluate potential risks in loan applications and develop effective risk mitigation

Insights.

● Recommend appropriate loan terms and conditions, ensuring alignment with Olyv’s risk

policies.

● Make timely and well-justified decisions on loan approvals, declines, and counter-offers.

● Collaborate with risk and tech teams to support credit decisions and troubleshoot technical

issues.

3. Continuous Improvement:

● Stay updated with the latest industry trends, regulatory changes, and best practices in credit

risk assessment.

● Propose innovative process improvements to enhance credit assessment procedures.

4. Reporting:

● Prepare detailed reports on credit portfolio performance, delinquencies, and risk exposure for

management insights.

Who You Are:

● You have 1-2 years of experience in credit operations or underwriting.

● You hold a graduate degree.

● You possess expertise in underwriting, secured/unsecured loans, and have proficiency in Excel

and basic SQL.

● Preferred: Experience in lending and portfolio management strategies.

Why Olyv?

● Innovative Culture: Be part of a team that embraces creativity and collaboration.

● Professional Growth: Access to learning opportunities, mentorship, and career advancement.

● Impactful Work: Contribute to financial inclusion and the empowerment of millions.

● Supportive Environment: Work with a team that values your ideas and input.