About ECL:

Efficient Capital Labs (ECL) is transforming how global B2B AI and SaaS companies access growth capital, offering fast, non-dilutive financing so founders can scale without sacrificing equity or control. Using a proprietary underwriting model, ECL evaluates real-time business performance, SaaS KPIs, and revenue data to provide up to $5M in capital within 72 hours. Founded in 2022 and backed by QED Investors and 645 Ventures, ECL has already deployed over $200M to more than 250 high-growth companies across 20 countries.

The company partners closely with founders, platforms, and investors to deliver an aligned, founder-first capital experience tailored to modern SaaS growth.

What you will Do:

Build, validate and deploy risk models end to end: PD and loss estimation, scorecards, limit-setting and early-warning systems.

Shape risk strategy, including credit policy, approval rules, limits and pricing, and back each change with data.

Drive marketing analytics: funnel and channel performance, CAC, conversion, lead scoring and attribution, so growth spend goes further.

Be the go-to analytics partner for Sales and Revenue teams, with pipeline insights, account prioritization and deal-level analysis that help close the right deals faster.

Apply ML (gradient boosting, survival models, clustering, anomaly detection and similar methods) where it beats rules, and be honest when it doesn't.

Build LLM-powered solutions that extract, summarize and reason over financial statements, bank data, contracts and notes.

Turn manual work into reliable, auditable AI-assisted workflows.

Monitor portfolio health,



catch early signs of deterioration and act on them before they become losses.

Write the SQL, Python pipelines and dashboards that leadership relies on to make decisions.

Own models through their lifecycle: feature engineering, back-testing, monitoring, drift detection and recalibration.

Partner with Risk, Growth, Finance, Operations and Product, and turn complex analysis into clear recommendations.

What you Bring:

5+ years in analytics, data science or credit risk, with a fintech background strongly preferred A solid grasp of financial services: financial statements, cash flow, credit and portfolio economics

Expert Python (pandas, scikit-learn, XGBoost/LightGBM or similar) and strong SQL

Hands-on ML and risk model building: models you built yourself and shipped, not only ones you reviewed

Practical experience with LLM solutions, such as prompting, RAG, structured extraction, evaluation or agentic workflows

Experience with risk strategy and marketing or growth analytics

Comfort with reporting tools such as Metabase, Tableau, Power BI or Looker

Ownership and comfort with ambiguity. You see a gap, fill it, and do your best work when the problem isn't fully defined yet.

A degree in Finance, Economics, Statistics, Engineering, Computer Science or a related field

Bonus points: experience with B2B or revenue-based lending, cross-border credit, alternative data, experimentation (A/B testing), or MLOps.

Why ECL:

Impact you can see: your work shows up in the loan book and growth numbers every month.

A small team building rapid: high trust, little bureaucracy.

A frontier problem: capital for the global AI and SaaS economy.

📌 Manager - Analytics & AI - Fintech (Bengaluru)
🏢 Efficient Capital Labs
📍 Bengaluru