AM/ Manager - Risk & Decision Science

About the Team

Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing financial inclusion of Bharat? Well, then here’s your chance!
Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for us. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, becoming our key growth and revenue driver.
We have found our Product-Market Fit and built and proved 0-1 and 1-10 journeys, Now looking for someone who can be the founding member of 10-100-1000 journey and this is possibly one of the most exciting and enriching experiences one could consider in their career.
As a Financial Services team, we always look at the bottom line. And the bottom line is - in this team, you should expect to have fun as you learn and grow.   About the Role   Lending is going to be our primary focus in this phase of our FS journey, and risk management is at the core of building any sustainable credit business at scale. Herein also lies potentially our biggest challenge for Meesho users: How do we assess risk of borrowers without any credit history? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage? The Person will be responsible for driving the Policy, DS and analytics behind all these questions, from creating analytical frameworks, developing high quality analysis, driving insights and actions, and owning policy decisions. In the early phases, your role will focus on refining initially implemented policy by Analyzing and Designing credit policies using Meesho platform data, bureau data, alternate data. Creating Scorecards and models for approval.  Designing experiments to test cohort behavior and experimental policies. Automate reporting and tracking of the portfolio on multiple levels , Ops performance measures, key performance indicators and associated drivers.

What you will do

• Over the longer horizon, as the program scales you are expected to do the following:
• Owning an automated decisioning process and its outcome.
• Creating 6 Month Risk  roadmap
• Refine the Credit policies and create new policies to lend in unexplored segments.
• Own end to end ML model development methodology : Feature creation, Model design and development, tuning, validating, monitoring and calibrating
• Coding up and maintaining BRE , automating credit policies as well as underwriting decisions if need be
• Independently drive and conceptualize projects on Risk and Data science.
• Initially an IC role but expected to guide and manage a team of analysts and grow into leadership role.

What you will need

• 3-6  years of relevant Fin-Tech experience, preferably in Digital Unsecured Lending, with products like  BNPL, PL or consumer loan.
• Strong RCA skills along with excellent critical thinking skills, combined with the ability to present your beliefs clearly and compellingly, both verbally and in written form to leadership.
• Working knowledge of GCP, Vertex AI and  cloud function for deployment.
• Solid understanding of credit bureau data (CIBIL, Equifax, CRIF), and banking risk frameworks.
• Expert in PD, EAD , LGD modeling in Python environment. 
• Can identify use cases of AI to drive productivity internally in the team and in the decisioning process.
 

About us 

Welcome to Meesho, where every story begins with a spark of inspiration and a dash of entrepreneurial spirit. We're not just a platform; we're your partner in turning dreams into realities.

Curious about life at Meesho? Explore our Glassdoor - our people have a lot to say and they've helped us become a loved workplace in India.

Our Mission

Democratising internet commerce for everyone — Meesho (Meri Shop) started with a single idea in mind: to be an e-commerce destination for Indian consumers and to enable small businesses to succeed online.

We provide our sellers with benefits such as zero commission and affordable shipping solutions in the market. Today, sellers nationwide are growing their businesses by tapping into Meesho’s large and diverse customer base, state-of-the-art tech infrastructure, and pan-India logistics network through trusted third-party partners.

Affordable, relatable merchandise that mirrors local markets has helped us connect with internet users and serve customers across urban, semi-urban, and rural India. Our unique business model and continuous innovation have established us as a part of India’s e-commerce ecosystem.

Culture and Total Rewards

Our focus is on cultivating a dynamic workplace characterized by high impact and performance excellence. We prioritize a people-centric culture, dedicated to hiring and developing exceptional talent.

Total rewards at Meesho comprise a comprehensive set of elements — monetary, non-monetary, tangible, and intangible. Our 9 guiding principles, or "Mantras," are the backbone of how we operate, influencing everything from recognition and evaluation to growth discussions. Daily rituals and processes like “Problem First Mindset,” “Listen or Die,” our Internal Mobility Program, Talent Reviews, and Continuous Performance Management embody these principles.

We offer competitive compensation — both cash and equity-based — tailored to job roles, individual experience, and skill, along with employee-centric benefits and a supportive work environment. Our holistic wellness program, MeeCare, includes benefits across physical, mental, financial, and social wellness. This includes extensive medical insurance for employees and their families, wellness initiatives like telehealth, wellness events, and fitness-related perks.

To support work-life balance, we offer generous leave policies, parental support, retirement benefits, and learning and development assistance. Through personalized recognition, gratitude for stretched work, and engaging activities, we promote employee delight at the workplace. Additional benefits such as salary advance support, relocation assistance, and flexible benefit plans further enrich the Meesho experience.

At Meesho, we are committed to creating an inclusive and accessible workplace where every individual can thrive. In compliance with the Rights of Persons with Disabilities Act, 2016, we uphold the following principles:

• Equal Opportunity: We ensure that employment opportunities are never denied on the grounds of disability if the candidate is otherwise competent to perform the job.

• Accessible Workplace: Our facilities are designed to be fully accessible, with amenities and assistive devices provided to support differently abled individuals in their work.

• Inclusive Hiring Process: We adopt a transparent and non-discriminatory selection process, including providing application forms in alternate formats and offering reasonable accommodations during interviews upon request.

• Career Growth: We provide adequate training post-recruitment and pre-promotion, with training materials available in accessible formats to enable equal career progression.

• Support & Confidentiality: A dedicated liaison officer/committee addresses concerns and grievances, while maintaining strict confidentiality of disability-related information.

• Awareness & Inclusion: We conduct awareness programs to promote a culture of inclusivity across the organization.

Meesho welcomes applicants and employees of all abilities and is dedicated to fostering an environment where differently abled persons can achieve their full potential.

Know more about Meesho here : https://www.meesho.io/