Lendingkart

1. Application and resume screening

Candidates typically apply through Jobaaj or the Lendingkart careers page, and recruiters shortlist profiles based on relevant fintech, NBFC or technology experience. Profiles with prior lending or credit exposure are often prioritised for credit and risk roles.

2. Recruiter screening call

A talent acquisition specialist typically conducts a short call covering background, current role, and interest in SME lending and fintech. This call also touches on location, notice period and compensation expectations.

3. Technical or functional interview

A senior team member evaluates coding ability, credit and risk knowledge, or sales and operations skills depending on the role. Candidates are usually asked to explain their reasoning behind past decisions or approaches.

4. Case or problem-solving round

Candidates may be asked to work through a scenario such as assessing creditworthiness of a small business or improving loan disbursal turnaround time. Structured, data-backed thinking is valued over quick guesses.

5. Managerial round

A hiring manager assesses ownership, analytical thinking and fit with Lendingkart's data-driven, fast-scaling lending culture. This round often explores how a candidate has driven results with limited resources.

6. HR interview and offer

The final round covers compensation, location, and joining timelines, followed by an offer letter. HR also typically outlines team structure and reporting lines.

Lendingkart's interview process typically has three to four rounds for most technology, credit and operations roles.

Round 1: Recruiter screening call

A 15-20 minute call typically reviews background, relevant experience, and comfort with a fast-paced fintech lending business. The recruiter also shares an overview of the team and role expectations.

• Walkthrough of past fintech, NBFC or technology projects
• Understanding of Lendingkart's SME lending and credit model
• Basic fit check on location and compensation range

Round 2: Technical or functional interview

A senior team member conducts a 30-45 minute discussion relevant to engineering, credit and risk, or sales and operations roles. Candidates are expected to justify their approach with clear reasoning.

• Coding or system design basics for engineering roles
• Credit assessment and risk evaluation scenarios for credit roles
• Sales pitch or client handling scenarios for business roles

Round 3: Case or business round

Candidates work through a practical scenario relevant to Lendingkart's SME lending business, typically lasting 30-45 minutes. Interviewers look for structured, data-informed problem solving.

• Assessing loan eligibility for a small business applicant
• Reducing turnaround time in loan disbursal
• Identifying red flags in a loan application

Round 4: HR interview

The final round covers compensation, location, and joining formalities, typically lasting 20-30 minutes. HR also discusses growth opportunities within the fintech lending business.

• Salary expectations and current notice period
• Long-term interest in the fintech lending space