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Why work with Milaap?

  • Opportunity to apply your skills and passion to actually change people’s lives in a BIG way. Our platform has impacted over 319101 lives across India.

  • An experience to work in a diverse and young team. Median age - 28 years, 50% women, people from 18 states across India. If Interested, please send your profile to careers@milaap.org Here's your shot at changing the world. Be part of something revolutionary!

  • You'll be highly valued (literally and otherwise)

At Milaap, we measure everything and always rely on data to guide all of our initiatives, including both our long-term strategy and our day-to-day operations. As a Data Engineer, your goal is to build infrastructure and tools that will help various teams  (marketing, business development, content, customer happiness)  make smarter decisions and become more efficient in their day-to-day activities. Your primary focus will be in applying data mining techniques, doing statistical analysis, and building high quality prediction and recommendation systems integrated with our core product. Some of these include but not limited to; 
  • Build recommendation systems to identify social media worthy content from Milaap's campaigns
  • Automated scoring for high performing marketing campaigns
  • Build system for automated fraud detection of payments and campaign organizers 
  • Develop internal A/B testing procedures 


  • Structured collection of user data, and data driven analytics across Milaap
  • Gather and process raw data at scale (including writing scripts, web scraping, calling APIs, write SQL queries, etc.).
  • Data driven product improvements through experimental pilots
  • Work closely with marketing, business development, content and customer happiness teams to understand their daily activities and identify inefficiencies that can be solved programmatically 
  • Work closely with our engineering team to integrate your algorithms into our production systems 
  • Extending company’s data with third party sources of information when needed  
  • Doing ad-hoc analysis and presenting results in a clear manner 


  • Bachelors Degree in Computer Science from a top engineering institute. People with Maths, Physics degree from a top engineering/science institute can also apply if they have programming experience
  • Strong programming knowledge to clean and scrub noisy datasets. 2 years of Programming experience, ideally in Ruby or Python. But we are open to other experience if you're willing to learn the languages we use 
  • Proficiency in using query languages such as SQL
  • Strong understanding and experience in using Google Analytics. Past experience in working/using its APIs is a strong plus
  • Strong knowledge of and experience with statistics; potentially other advanced math as well.
  • Outstanding communication and interpersonal skills. Remember, this role requires you to interact with various teams across Milaap to understand their needs and activities
 Interested candidates should send their resume and cover letter to careers@milaap.org with subject line: Data Engineer
Milaap, India's leading catalytic debt funder for next generation of financial inclusion, is looking for a Investments and Partnerships Manager to build and manage our portfolio. Till date, Milaap has disbursed over Rs 75 Cr+ in loan capital to 70,000+ borrowers across 22 states in India for programs such as access to education, clean water, solar lighting and small businesses, impacting 319,000 lives. These include launching India’s first skill development loan program, Mizoram’s first formal microfinance program, largest solar lighting portfolio in India across 8 states, working capital finance for artisans in Kashmir to name a few.  We are backed by reputed investors like Khosla Impact, Jungle Ventures, Unitus, Toivo Annus (co-founder of Skype), and partners like Kiva (India partner), DBS Bank, National Skills Development Corporation (NSDC). Economic Times nominated  us among Top 5 social enterprises in India consecutively for 2014 and 2015.  Milaap is poised to take its initial success to a new level with a target to disburse Rs. 250 Crores by 2018.

The Manager of Investments and Partnerships reports to the CEO of Milaap and is responsible for implementation of Milaap’s debt programs; this will include identifying opportunities of lending, on-boarding partners, and managing loan portfolio. The Investments Manager is ultimately responsible for maintaining successful relationships with 50+ Field Partners (and growing) and stewarding our relationships with current and future institutional lenders.  

Primary Responsibilities

Identify lending opportunities :
  • Thoroughly understand grassroots lending, and build portfolio strategy in coordination with the CEO for both financial and social performance
New partner selection & on-boarding :
  • Implement portfolio strategy: build, maintain, and document a pipeline of potential partners to expand our work in new geographies and loan programs for institutional lenders.
  • Due Diligence
  • Perform a desk review and onsite due diligence of new potential field partners. 
  • Conduct financial analysis of these  partners including spreading financials, reviewing key ratios, and identifying problems and red flags
  • Create and present investment memos to the Investment committee for on-boarding new partners. 
Portfolio Management :
  • Manage portfolio of Field Partners by tracking financial health, social performance and operational concerns of our partners in the region to minimise portfolio and reputation risk.
  • Maintain high quality portfolio through effective monitoring including desk reviews of monthly/quarterly financials and portfolio reports as well as annual onsite visits of current partners.
  • Continually monitor portfolio composition, make necessary adjustments to loan disbursements and ensure portfolio risk is within acceptable limits. 
  • Execute strategies to align incentives with Field Partners.
Demand - supply forecast :
  • Monitor loan volume to predict partner requirements. 
  • Ensure a healthy balance and alignment of capital supply and demand. 
  • "Connect the dots" between lender’s objectives for investing (geography, cause, community etc) with eligible on-ground partners and their programs. 
  • Communicate and present the requirements of high-impact loan programs to the CEO. 
Relationship Management :
  • Work with the CEO to steward relationships with our institutional lenders, providing support around portfolio analysis, financial modelling and fund allocation for investments
  • Pursue new opportunities and build a pipeline of institutional lenders who’d be aligned with supporting Milaap’s loan programs
  • Attend conferences and sector specific events to communicate Milaap’s work and engage with these lenders
Team Management : 
  • Oversee the work of the Lend team and Milaap Fellows placed with our Field Partners
  • Provide guidance and training where necessary for the teams to address specific issues. Forecast and build capacity as needed

Desired Skills and Experience:

  • 3 years of professional experience in financial services, banking, or consulting - 1+ years’ experience in microfinance, impact investing, fund management is strongly preferred ( Strictly for candidates with overall 3-5 years of experience )
  • Bachelors’ degree required; MBA preferred - at least one of those should cover finance. 
  • Ability and willingness to work at the grassroots upto 20% of the time
  • Experience in reading and analyzing financial statements is a strong plus.
  • Strong operating experience in MS Excel
  • Strong interpersonal and presentation skills; disciplined, detail oriented, and accountable
  • Tech savvy; ability to quickly learn new software/systems
  • Strong leadership skills and demonstrated ability to influence without authority
  • Fluency in English and Hindi is required. One or more regional languages are highly desirable
Interested candidates should send their resume and cover letter to careers@milaap.org with Subject line: Manager of Investments and Partnerships
Milaap is seeking a highly motivated individual with 1-2 years of experience looking to join our organisation as a Impact Investment Fellow for 6 months.


Work closely with the Investment Manager on investment opportunities, risk management, and business planning: 
  • Evaluate debt investment opportunities
  • Build and assess quantitative models for risk management - primarily credit risk models
  • Create other financial models as required eg. ALM models (Asset Liability Management), business plan scenario analysis etc.

Desired Skills and Experience: 

  • Interested in and curious about impact investment
  • A basic understanding of what we do at Milaap
  • Knowledge of basic finance, and ability to relate those to real scenarios
  • Proficient in using data tools like MS Excel (must) and intuition on financial modelling
  • Impeccable attention to detail and willingness to learn (both being non-negotiable)

Who can apply:

Fresh graduates who have a specialization in Mathematics, Finance, Economics or Statistics, or candidates with 1-2 years of work experience in a relevant field
  • Candidates who enjoy working on quantitative models, and their usability in real world
  • Candidates who can organize data and would like to play with data to help in data-driven decision making for the management

Send your resume along with your motivation letter to careers@milaap.org
Milaap is seeking highly motivated individuals with 0-2 years of experience looking to join our Community Engagement team. Community is at the core of what we do at Milaap supporting more than 120,000+ users and a million visitors across 120 countries. We believe in having conversations as real people and not 'support tickets'. Each conversation is unique and the way we handle and respond to the concerns of our community has a direct impact on our business and the community we serve. This is an incredibly fast-paced job where you are required to move quickly and think on your feet.


 As a Community Associate, you will 
  • Interact with our users and visitors across various platforms - social, chat, email and phone calls using our internal tools
  • Gain strong understanding of the product and business and work towards improving customer happiness
  • Provide feedback to product, marketing and tech teams regarding user feedback and requirements (features, functionality and collaboration opportunities)
  • Serve as the single point of resolution for the customer and assist with product information and site navigation
  • Help in improving processes so we always optimize for better customer experience
  • Identify patterns and help in making our product and support systems better as we scale
Who you are;
  • Empathetic: You genuinely care about people and want to help them. You are obsessed about customer experience, and instantly build a rapport with them by acknowledging the issue, and displaying a genuine willingness to help. You remember people and your earlier conversations with them
  • Problem solver: Not all customer queries and issues are straightforward. You are someone who is passionate about putting the customer first and finding right solutions no matter how challenging the situation
  • Great Communicator: You have a way with words and enjoy expressing your thoughts in your emails, social media and phone conversations that reflect our values - humble, approachable and sincere. People enjoy what you write and love reading an email from you. You don't start an email with "Sorry for the inconvenience caused. We have sent your feedback to the concerned team and they will revert shortly." You are the 'concerned team' and you solve it at the earliest
  • Grammar enthusiast: You know the difference between "Your" and "You're"
  • Hustler: You love to thrive in a fast paced, high-pressure environment. You know the difference between 'hustle' and 'cut-throat' 
  • Process compliant: You look at know how to balance freedom of expression and process compliance and love analyzing ways to scale support
  • Comfortable with ambiguity: You understand that all answers are not readily available and you'll be a part of finding answers
  • Driven by career growth: You'll join the fastest growing team at Milaap and are driven by building a career in customer relationship management

 Desired Skills and Experience: 

  • 0-2 years of experience, preferably in a customer management and relationship role
  • Strong commitment to ethics, honesty, and integrity in conducting business
  • Candidate must preferably be a graduate or post graduate
  • Excellent verbal and written communication skills in English. Proficient in speaking Hindi or a vernacular language is a strong plus
  • Willingness to work in shifts (rotating day/night shifts, rotating weekend offs -- total working hours will be 40 hours a week, 5 days,8 working hours each day) 
  •  Ability to throw surprise office parties is a strong plus. 
If interested

Send email to careers@milaap.org including the subject line "Community Associate" with your resume, cover letter that addresses atleast 5 of the traits listed in 'Who You Are' section with examples not exceeding 100 words each

Responsibilities :
  • Part of the core team responsible for powering the various apps and moving parts of the product
  • Design, build  and own key technology decisions and implementations 
  • Wear multiple hats  - that of an architect, developer or product owner
  • Collaborate with other team members to find optimal solutions and engineering workarounds based on resource/time constraints
  • Communicate development status and features to the rest of the team members
  • Manage interactions with designers, testers and other developers
Required Skills :
  • 5+ years of overall software development experience
  • 2+ years of development experience with Ruby on Rails
  • Experience with support of high-availability, high-performance, customer-facing web applications
  • Expert in configuring and deploying multiple rails applications quickly
  • Experience with collaborative code development in small agile teams and managing releases (Git, Continuous Integration, Capistrano)
  • Experience building internal and external APIs and RESTful web services
  • Strong foundation in Database ( SQL / Postgres )
  • Experience deploying and managing applications on cloud-based infrastructure (Heroku/AWS)
  • Outstanding understanding of software design and architecture
It will be good if you also have:
  • Worked in a web startup before and been part of the core development during high growth phase
  • Practical experience with building scalable, high availability  and high performance systems
  • Hands-on background with agile development practices including test driven development and scrums
  • Contributed to open source projects on Github 
  • Familiarity with a variety of programming languages and development tools
Interested candidates can send in their resume and cover letter to careers@milaap.org with the subject line  ' Senior Full Stack Rails Developer'