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
• 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