Associate - Emerging Markets

**Who we are?**:
Kaleidofin is a fintech platform building a digital ecosystem to ensure finance for everyone, everywhere. We provide financial solutions for low-income customers and informal economy businesses through our ki credit Platform, which combines credit health assessment (ki score), middleware rails integration, advanced risk management dashboards (ki view), and debt capital markets structuring capabilities (ki credit). Our platform enables financial institutions to serve customers better through innovative solutions, including structured finance approaches (securitization, portfolio sales, co-lending), tailored funding for women entrepreneurs, agricultural workers, farmers and MSMEs, and local currency funding mobilization for new asset classes.

Currently impacting over 6 million customers across India, Bangladesh, and Kenya, Kaleidofin’ s risk infrastructure—including our credit scoring and dashboards—is used by multiple inclusive finance institutions in emerging markets where most customers work in the informal sector. To date, we’ve facilitated over $3 billion in debt capital to underserved communities.

Over the years, Kaleidofin has raised equity of over USD 40 million from marquee investors, including Rabo Partnerships, IDH Farmfit Fund, the Gates Foundation, Oiko Credit, Flourish, Omidyar Network, Blume Ventures, Bharat Fund and Dell Foundation who share our commitment to financial inclusion and impact.

Kaleidofin has received exceptional international recognition in being featured as one of only six Indian companies on the Forbes 100 To Watch in Asia list and in being selected to present at the United Nations General Assembly Special Task Force. Kaleidofin won the Swanari TechSprint 2023 organized by the RBI Innovation Hub and emerged as a winner at the prestigious G20 TechSprint 2024: Technology for the Planet, organized by the Bank of International Settlements. We also invest in culture and team growth, reflective in our selection as a Great Place to Work for multiple years
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**What you’ll do?**:
This full-time position presents a unique opportunity for ambitious individuals to gain hands-on experience in two key areas: Emerging Markets and the CEO’s office. You will work closely with senior management and contribute to high-impact projects, from market entry research to operational excellence initiatives. This role offers exposure to cross-functional collaboration and real-world problem-solving, equipping you with the skills needed to excel in the fintech and financial services industries.

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**1. Emerging Markets Research**:

- Conduct thorough market research and analysis on financial inclusion trends, competitors, and regulatory landscapes in Kenya and East Africa where we want to initiate our expansion.
- Develop actionable insights and strategic recommendations to inform Kaleidofin’s market entry and expansion plans.

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**2. Debt Capital Markets**:

- Bond Issuances: Assist in gathering data and preparing reports related to bond issuances, learning about market trends and transaction processes.
- Market Research: Conduct research on centralized bond markets and emerging financing techniques to support strategic decision-making.
- Structured Finance Learning: Assist senior team members with developing financial models, gaining exposure to structured finance transactions.

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**3. Align with ki credit platform**:

- Support senior managers in integrating selected originators into the ki credit debt capital markets platform.
- Assist in preparing materials and demonstrations of the platform’s capabilities for potential clients.

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**4. Strategic Project Management**:

- Collaborate with the CEO’s Office on mission-critical projects, including market expansion, and partnership evaluation.
- Prepare detailed reports, presentations, and models that will be presented to internal and external stakeholders.

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**5. Cross-functional Coordination**:

- Work with teams across product, finance, and business development to ensure smooth execution of strategic initiatives.
- Monitor and report on key project milestones, risks, and outcomes

**Who you need to be?**:

- Management graduates from a premier B-school or holding a postgraduate degree in finance, economics or a related technical field.
- At least 3-5 years of relevant work experience
- Must have prior exposure to business/financial analysis, business valuations, projects/program management.
- Experience in structured finance and debt capital markets is a significant positive.
- Prior experience of working in a Fintech firm, Investment Banking or Consulting firms is preferred. Interest/knowledge of the fintech industry and financial inclusion initiatives would be an added advantage.
- Strong analytical and quantitative skills with a keen attention to detail.
- Excellent verbal and written communication abilities, with experience preparing reports and presentations.
- Ability to thrive in a dynamic, entrepreneurial environment wh