why this role matters 

you’ll play a pivotal role in leading CRED's partner ecosystem across products, becoming the face of CRED to some of india’s top consumer brands. you will lead high-stakes partnerships, drive product adoption, and enable new growth through strategic merchant alliances. as a core part of the merchant-led growth (mlg) strategy, you’ll shape how millions engage with CRED.


<div><b>why this role matters </b></div><div><br /></div><div>you’ll play a pivotal role in leading CRED's partner ecosystem across products, becoming the face of CRED to some of india’s top consumer brands. you will lead high-stakes partnerships, drive product adoption, and enable new growth through strategic merchant alliances. as a core part of the merchant-led growth (mlg) strategy, you’ll shape how millions engage with CRED.</div>

<li>drive end-to-end execution of the CRED pay charter across multiple business lines.</li><li> lead high-value partnerships: structure, negotiate, and execute strategic deals with brands across travel, fashion, ecommerce, ott, entertainment, airlines, government &amp; more.</li><li> unlock growth for CRED through partner ecosystems.</li><li> increase CRED product adoption at the merchant level.</li><li> own and grow relationships with cxos and senior stakeholders across industries.</li><li> lead complex product/tech integrations with partner teams to unlock seamless experiences.</li><li> identify and share partner-led insights to influence internal product roadmaps.</li><li> champion exclusive brand partnerships to deliver differentiated value to CRED members.</li><li> stay ahead of the curve on partner ecosystem innovation to unlock new monetization paths.</li>

<li>4–7 years in partnerships, enterprise sales, or category/account management in consumer internet businesses.</li><li> proven track record managing complex, high-impact accounts with strong outcomes.</li><li> deep understanding of partner/merchant ecosystems across verticals.</li><li> strong stakeholder management skills – from cxos to internal cross-functional teams.</li><li> high bias for action with ability to independently drive outcomes in ambiguous setups.</li><li>familiarity with digital payments, upi, or loyalty ecosystems.</li><li> prior exposure to product-tech integrations or consumer fintech.</li><li> experience in high-growth startups or new business generation.</li>

<li>you’re a strategic hustler – equally comfortable closing a cxo deal or deep-diving into merchant-level adoption data.</li><li> you think in scale, act with speed, and execute with clarity.</li><li> you’re someone partners trust and internal teams rely on.</li><li> you care deeply about creating products and partnerships that matter.</li>

business development and strategic partnerships - CRED Pay

about the role

you will be the hands‑on driver of our wallet and max (rent & education) growth initiatives. working closely with product, design, marketing, and rewards teams, you’ll take strategic briefs, execute end‑to‑end campaigns across all in‑app channels, and own a/b tests to optimize for business kpis.


<div><b>about the role</b></div><div><br /></div><div>you will be the hands‑on driver of our wallet and max (rent &amp; education) growth initiatives. working closely with product, design, marketing, and rewards teams, you’ll take strategic briefs, execute end‑to‑end campaigns across all in‑app channels, and own a/b tests to optimize for business kpis.</div>

<li><b>campaign creation, execution and monitoring:</b></li><li> launch and optimize campaigns across in‑app banners, push notifications, email, and other owned channels, tied to business objectives.</li><li> devise innovative growth campaigns that have the potential to shift baselines on the metrics you own</li><li> track your charter’s / lob’s daily / weekly performance like a hawk and be on a continuous lookout of every incremental optimisation opportunity or any red flags that bubble up</li><li><b>a/b testing &amp; optimization:</b></li><li> design, implement, and analyze a/b tests—from hypothesis through to rollout recommendations.</li><li> surface learnings and iterate quickly to drive continuous uplift.</li><li><b>truth seeking and user understanding:</b></li><li> dig deep into metrics, data, and user feedback to understand what is genuinely driving or stifling growth. you need to be committed to finding the truth, regardless of preconceptions or assumptions.</li><li>analytical rigor will be an essential part of your role as you analyze data to get insights, build hypotheses, identify opportunities and measure success of experiments conducted</li><li>use mixpanel (or equivalent) and basic dashboards / sql queries to track campaign performance and user behavior.</li><li> track your core kpis (e.g., activation rates, wallet loads, rent‑payment transactions, re‑engagement) with the help of analytics team</li><li><b>cross‑functional collaboration:</b></li><li> part of your mandate is to promote seamless integration of growth initiatives across all departments.</li><li> work closely with product, design, marketing, and engineering teams to align on creative assets, user journeys, incentive structures and work with teams on large campaigns</li><li> liaise with the business and product leads for campaign briefs, strategic priorities, and stakeholder updates.</li><li><b>process &amp; documentation:</b></li><li> maintain clear play‑books and campaign templates.</li><li> document test plans, results, and key learnings.</li>

<li> 6 months - 1.5 years in product management or growth roles. internship in this domain will also qualify.</li><li> high energy, proven executional bias for action—comfortable owning the end‑to‑end “doer” work.</li><li> strong analytical skills, with the ability to translate complex data into actionable insights.</li><li> good to have - able to navigate mixpanel (or similar) and write simple sql queries.</li><li> empathy for end consumers, with a focus on identifying and addressing their needs and pain points</li><li> strong attention to detail—ensuring error‑free campaign setup.</li><li> excellent communication and presentation skills, with the ability to articulate complex concepts to diverse audiences</li><li> collaborative mindset and ability to juggle multiple stakeholders</li><li> comfortable working in a fast-paced, dynamic environment and managing multiple competing priorities</li>

we are seeking an experienced and detail-driven senior escrow monitoring analyst to lead the end-to-end monitoring of escrow accounts, ensure regulatory compliance, and drive operational excellence across fund flow processes. this role involves ownership of daily reconciliation, and cross-functional coordination with internal teams and banking partners. the ideal candidate will bring deep expertise in financial operations, a strong understanding of escrow frameworks, and the ability to build and scale robust monitoring controls.


<div><span style="font-size:16px">we are seeking an experienced and detail-driven senior escrow monitoring analyst to lead the end-to-end monitoring of escrow accounts, ensure regulatory compliance, and drive operational excellence across fund flow processes. this role involves ownership of daily reconciliation, and cross-functional coordination with internal teams and banking partners. the ideal candidate will bring deep expertise in financial operations, a strong understanding of escrow frameworks, and the ability to build and scale robust monitoring controls.</span></div>

<li>own and oversee daily escrow account monitoring — track float balances, inflows/outflows, and maintain compliance thresholds.</li><li>lead the end-to-end reconciliation process between system records, mis, and bank statements.</li><li>identify, investigate, and resolve exceptions, failures, or fund mismatches in a timely manner.</li><li>ensure regulatory and internal compliance, especially around escrow usage, fund segregation, and documentation.</li><li>build and maintain audit-ready reports, dashboards, and transaction logs.</li><li>collaborate with tech, product, finance, and external banking partners for issue resolution and process optimization.</li><li>act as a point of contact for regulatory audits, internal reviews, and risk assessments</li><li>proactively identify process gaps and implement controls or automation to strengthen escrow monitoring</li><li>guide and mentor junior analysts in reconciliation and fund management best practices</li>

<li>3–4 years of experience in fund flow monitoring, banking operations and escrow monitoring.</li><li>strong working knowledge of escrow account operations and regulatory frameworks (e.g., rbi escrow norms)</li><li>proficiency in excel, and basic sql, and exposure to reconciliation or reporting tools</li><li>excellent analytical, problem-solving, and stakeholder management skills</li><li>experience working in fintech, nbfc, payment gateways, or regulated financial entities preferred</li><li>ability to work independently, handle escalations, and drive high-accuracy deliverables</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 



<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div>

<li>crack aspirational brand partnerships, look for new opportunities, and brands which might not be a part of the existing plan</li><li>create a systematic, process-driven approach to identify and go deeper into existing partnerships</li><li>structure, negotiate, and execute partnership deals with brands and organizations across various categories</li><li>plan and own monthly/quarterly supply &amp; monetization goals with existing partner relationships deliver an excellent partner experience (partner NPS) when working with our organization, - you will represent CRED and be our partners’ liaison internally</li><li>build relationships and manage partnerships with new brands to crack exclusive offerings for CRED members specifically when the merchant is in an incubation stage</li>

<li>have strong networking skills (cold calling, unique reach out strategies )have strong communication, client relations, and written skills</li><li>have 2 - 4+ years of relevant experience, preferably in ad sales roles or partnerships/sales/business development (across industries)are an excellent negotiator; have outstanding communication and interpersonal skills</li><li>are comfortable with data and research, to be able to map the potential of each brand, category, or industry</li><li>are goal-oriented &amp; thrive in high ownership, fast-paced, and independent environment</li><li>hate taking no for an answer, but also know when it’s worth moving on</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and CREDitworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better

at CRED, technology is the backbone that fuels problem-solving at speed and scale with smartness. we have a good share of left-brain/right-brain engineers who solve complex problems, yet at creative best in crafting great consumer experiences. engineers at CRED are highly empowered and are entrusted to own, understand, challenge, and create an upstream impact in Product and Business

if you are a go-getter, passionate about solving real problems, and enjoy the company and camaraderie of some of the best minds in the game, you should definitely explore CRED

here’s what will be in store for you at CRED once you join as a backend engineer


<div><span style="font-size:10.5pt">what is CRED?</span></div><div><br /></div><div><span style="font-size:10.5pt">CRED is an exclusive community for India’s most trustworthy and CREDitworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true</span></div><div><br /></div><div><span style="font-size:10.5pt">here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better</span></div><div><br /></div><div><span style="font-size:10.5pt">at CRED, technology is the backbone that fuels problem-solving at speed and scale with smartness. we have a good share of left-brain/right-brain engineers who solve complex problems, yet at creative best in crafting great consumer experiences. engineers at CRED are highly empowered and are entrusted to own, understand, challenge, and create an upstream impact in Product and Business</span></div><div><br /></div><div><span style="font-size:10.5pt">if you are a go-getter, passionate about solving real problems, and enjoy the company and camaraderie of some of the best minds in the game, you should definitely explore CRED</span></div><div><br /></div><div><span style="font-size:10.5pt">here’s what will be in store for you at CRED once you join as a backend engineer</span></div>

<li>lead the design and architecture of complex data application platforms, including real-time personalization services and core metrics governance systems, ensuring scalability, reliability, and technical excellence</li><li>mentor engineers through thoughtful code reviews, pair programming, technical deep dives, and by setting a high standard for engineering practices.</li><li>write clean, high-quality code to solve challenges related to high-concurrency, low-latency, and large-scale data processing</li><li>drive innovation by integrating AI copilots into platforms—enabling natural language interaction for data segmentation and intelligent anomaly detection for key business metrics</li><li>focus on developer experience by treating internal platforms as products—building intuitive SDKs, writing clear documentation, and automating complex workflows to simplify engineering workflows</li><li>play a foundational role in shaping and owning systems that act as the backbone for CRED’s real-time data applications and governance strategy</li><li>build intelligent, AI-native platforms that make data more accessible and actionable across the organization</li><li>work with and learn from a world-class team of engineers passionate about building one of the most advanced data ecosystems in the industry</li>

<li>have 5+ of hands-on software engineering experience with a strong track record in backend services, infrastructure, or developer-facing platforms</li><li>are comfortable working at the intersection of traditional backend engineering and modern data stacks, and can design high-concurrency APIs as well as work with distributed data frameworks like Spark and Flink</li><li>have led large-scale, complex technical projects and influenced engineering direction through your expertise, not just formal authority</li><li>are proficient in at least one modern programming language (e.g., Go, Java, Python, Scala) and care deeply about writing maintainable, scalable code</li><li>have experience building platforms that operate on real-time data streams (e.g., Kafka) and working with large datasets in production environments</li><li>treat internal platforms as products, showing empathy for your users—fellow engineers—and strive to make tools that are a joy to use</li><li>have built or are familiar with customer data platforms, experimentation frameworks, or personalization/marketing technologies</li><li>are curious about applying AI/ML to infrastructure and platform challenges and excited to lead impactful technical initiatives </li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. 

CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? 
answer: you get something close to what we have at CRED; CRED just has it better. 

here’s what will be in store for you at CRED once you join us.


<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. </div><div><br /></div><div>CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? </div><div>answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div><div>here’s what will be in store for you at CRED once you join us.</div>

<li>manage field infrastructure for collections portfolios for a specific location</li><li>end to end vendor management: vendor onboarding, performance tracking, vendor level capacity planning &amp; controls, vendor billing and validation</li><li>building, coaching and mentoring the field team; identifying team goals and evaluating team progress</li><li>responsible for day-to-day collections field operations with holistic improvement of the portfolio in the allotted area by improving overall collections </li><li>deliver detailed financial and behavioral trend analysis and produce robust collections, roll rates &amp; NPA projections</li><li>maintain and communicate detailed reports to track performance against plan</li><li>ensuring highly customer centric field collections to deliver high standards of customer experience</li><li>be aware of what is happening on competition space and collection ecosystem and keep adding new ideas to improve collection efficiency</li><li>examine strategic performance, spot emerging opportunities and identify threats/blockers at business, location &amp; product level</li><li>look for novel strategic solutions &amp; execute support solutions like legal proceedings and skip tracing effectively, and develop creative action plans for the future</li><li>work seamlessly with other key stakeholders (front end collections, risk, product &amp; tech) - to ensure portfolio quality &amp; high standard of customer experience</li><li>provide early warning feedback on fraud / default indicators to risk team</li>

<li>possess 2 to 5 years of field collections experience in financial services</li><li>have the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concerns</li><li>have the ability to manage teams with approaches towards coaching and training your team members</li><li>have the ability to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product </li><li>have the ability to manage collection business partners at regional level and hence have relevant competencies and language expertise </li><li>can deliver under high decibel targets &amp; are open to travel as per business requirement </li><li>possess adequate understanding of collection tools including but not limited to NPA tools, legal actionable etc</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. 

CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? 
answer: you get something close to what we have at CRED; CRED just has it better. 

here’s what will be in store for you at CRED once you join us.



<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. </div><div><br /></div><div>CRED was born out of a need to bring back the focus on a long-lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behaviour to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? </div><div>answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div><div>here’s what will be in store for you at CRED once you join us.</div><div><br /></div>

<li>creating field infrastructure for collections portfolios for a specific location</li><li>end to end vendor management: vendor onboarding, performance tracking, vendor level capacity planning &amp; controls, vendor billing and validation</li><li>building, coaching and mentoring the field team; identifying team goals and evaluating team progress</li><li>responsible for day-to-day collections field operations with holistic improvement of the credit portfolio in the territory by improving overall collections</li><li>deliver detailed financial and behavioral trend analysis and produce robust collections, roll rates &amp; npa projections</li><li>maintain and communicate detailed reports to track performance against plan</li><li>ensuring highly customer centric field collections to deliver high standards of customer experience</li><li>be aware of what is happening on competition space and collection ecosystem and keep adding new ideas to improve collection efficiency</li><li>examine strategic performance, spot emerging opportunities and identify threats/blockers at business, location &amp; product level</li><li>look for novel strategic solutions &amp; execute support solutions like legal proceedings and skip tracing effectively, and develop creative action plans for future</li><li>work seamlessly with other key stakeholders (front end collections, risk, product &amp; tech) - to ensure portfolio quality &amp; high standard of customer experience</li><li>provide early warning feedback on fraud / default indicators to risk team</li>

<li>possess at least 5 years of relevant collections experience in financial services</li><li>hold at least 1 year of experience in fintech collection space</li><li>possess the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concerns</li><li>have exceptional analytical, problem solving and research skills and resource knowledge</li><li>have the ability to manage large teams with approach to coaching and training your team members</li><li>have the ability to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product </li>

regional lead - field collections (Ahmedabad & Pune)


CRED is an exclusive community for india’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. 

CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 



<div><br /></div><div>CRED is an exclusive community for india’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. </div><div><br /></div><div>CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div>

<li>responsible for driving growth of bank credit cards issued on CRED where CRED is acting as a distribution platform </li><li>responsible for managing offers, campaigns, best card offers backwards of consumer need and adoption patterns</li><li>responsible for working very closely with bank risk team to ensure high predictability of offers for CRED members</li><li>responsible for working with ds/analytics team to have right recommendation models being out in place increase throughput</li><li>responsible for promoting/working with relevant pocs to get right inventory of digital assets to increase customer interest in products</li>

<li>good understanding of fintech as a domain</li><li>good understanding of cards, value propositions and first-principle thinking of what customer needs </li><li>data driven and bias for action/speed to experiment and learn fast in an agile environment</li><li>has worked in growth roles for consumer first companies and preferably growth of financial products</li>

what is CRED?

CRED is an exclusive community for india’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. 

CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 


<div>what is CRED?</div><div><br /></div><div>CRED is an exclusive community for india’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. </div><div><br /></div><div>CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div>

<li>will be responsible for end to end integrations with regulated entities, networks, 3rd party tech vendors</li><li>will be responsible for acting as a bridge between in house product teams/engineering teams/compliance teams and bank teams to manage integration cycles effectively and in an optimal manner</li><li>will be responsible for alignment with banks on following other dimensions in a pre-go-live manner processes/sops, audit rights, compliances et al</li><li>will be responsible for deeply engaging with multiple smes in the banks to understand their concerns areas/pain areas from time to time and re-align expectations of internal stakeholders as may be needed</li><li>will be responsible on an ongoing basis to make sure that audit activities which the regulated entity shall undergo to make sure impact on CRED/affiliated entities is minimised to ensure business continuity</li>

<li>is well versed and preferably connected with various industry participants like - networks, card management tsps etc</li><li>competence to build and grow a zero to one product.</li><li>agility and speed; bias for action needs to be high. Has worked on long term projects in ambiguous environments. </li><li>has in past with projects involving multiple stakeholders across product, business, risk, legal/compliance, engineering, bank teams, and taken global maxima decisions</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 

here’s what will be in store for you at CRED once you join risk operations team.


<div><b style="font-size:11pt">what is CRED?</b></div><div><br /></div><div><span style="font-size:11pt">CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </span></div><div><br /></div><div><span style="font-size:11pt">here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </span></div><div><br /></div><div><span style="font-size:11pt">here’s what will be in store for you at CRED once you join risk operations team.</span></div>

<li>driving the overall time bound risk operational activities and its KPIs, activities involving policy execution/underwriting, portfolio reporting, etc</li><li>developing, implementing and governing KPIs reporting for the portfolio of programs (risk, collections, partner), providing visibility to the milestones and performance across all activities</li><li>managing multiple stakeholders (internal and external) for ensuring end objective delivery requiring frequent communication, organization/time management and problem solving skills</li><li>identifying and setting up new processes by working with multiple cross-functional teams</li><li>designing SOPs and metrics of the new processes being set up</li><li>driving continuous improvement culture by identifying process gaps, automating manual error points and creating monitoring and corrective controls</li><li>leading business critical high impacting activities and ensures they are delivered within planned timelines and with expected measurable output</li><li>supporting team members as-needed to improve processes, provide project intervention and coaching, etc</li><li>updating SOPs and metrics basis performance analysis of the running processes, support in team tech architecture revamp/upgradation. </li>

<li>2-4 years of ops experience in NBFCs/Fintechs with strong stakeholder management experience</li><li>2 years of min experience working with tech and risk teams</li><li>experience managing prioritization, risk tasks keeping user experience and business requirements in the picture</li><li>track record of employee development (including an emphasis on selection and retention)</li><li>ability to build relationships and influence others without authority</li><li>ability to identify gaps and communicate with tech, product, risk, business, and leadership</li><li>proficiency in excel, google sheets, SQL, tableau, databricks</li><li>strong written and verbal communication skills</li>

<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for india’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. </div><div><br /></div><div>CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div>

<li>enable inputs that drive a high performance culture by partnering leaders across engineering teams of lending and wealth at CRED</li><li> strategic partnership with leadership in shaping talent upskilling and continuous improvement initiatives that help achieve high performing engaged teams.</li><li>anchor discussions with the business to provide insights for enhancing team engagement and people development</li><li>drive inputs and own mechanisms that drive leadership accountability towards building a people first organization</li><li>influence and drive change through data, identify problem areas and build effective and data driven solutions</li><li>partner to drive org and talent needs, run mechanisms that include but not limited to performance reviews, compensation planning</li><li>work with teams and look at enhancing lifecycle experience for team members and be seen as a go-to person for all facets of talent development</li>

<li>6-10 years of experience in people-centric role such as business partnering and/or  talent management preferably in a start-up environment</li><li>proven ability to understand business needs and translate them into organizational priorities, champion adoption of people mechanisms</li><li>proven track record in managing diverse team pools with evident improvement in culture and organizational behavior through sound people practices and programs</li><li>excellent interpersonal skills and ability to manage multiple stakeholders on diversified asks</li><li>comfort working in a fast paced environment with competing priorities and an ambiguous yet creative and collaborative work environment</li><li>have exposure to global best practices in high talent density environments is a plus</li><li>the hunger to constantly learn and look for ways to improve yourself and the processes around you</li><li>solid understanding, passion to build/invent and experience delivering HR/People technology programs and roadmaps</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 

here’s what will be in store for you at CRED once you join as a backend developer.


<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div><div>here’s what will be in store for you at CRED once you join as a backend developer.</div>

<li>take deep architectural ownership of critical components within the Rewards platform—driving long-term strategy, ensuring system resilience, and setting high standards for API design, observability, security, and compliance while actively mitigating architectural debt and risks</li><li>design and deploy real-time recommendation systems to deliver personalised user experiences based on individual card behaviour, transaction patterns, and engagement metrics</li><li>scale CRED’s gaming systems that drive user participation—building reliable, low-latency infrastructure capable of handling large concurrent user interactions during reward events and campaigns</li><li>refactor and stabilise the fragmented store architecture by consolidating 22+ microservices into a more maintainable, resilient, and efficient system—reducing operational complexity and improving developer productivity</li><li>actively collaborate with product and business stakeholders to define and refine ambiguous problem statements, contribute to product strategy, and translate complex challenges into robust, scalable technical roadmaps</li><li>champion and drive the adoption of innovative technologies, architectural patterns, and engineering best practices that align with CRED’s long-term vision and business objectives</li><li>contribute significantly to engineering-wide excellence by actively participating in hiring top talent, mentoring engineers across teams, and driving initiatives to improve engineering processes, productivity, and cost-effectiveness</li><li>operate as a horizontal enabler, working across multiple functions—since Rewards interacts deeply with Payments, Engagement, Storefront, and Analytics teams—to ensure seamless integration and cross-functional success</li>

<li>5–8 years of experience in product engineering, system design, and backend architecture</li><li>a strong bias for execution speed and shipping high-quality features in fast-paced environments</li><li>experience making technical trade-offs and collaborating with cross-functional teams to align on solutions</li><li>hands-on expertise with java, go, or similar backend languages, and experience with databases like dynamodb, rds, or aerospike</li><li>a tech generalist mindset—comfortable working across systems with breadth more than niche depth</li><li>proven ability to mentor engineers, conduct deep code reviews, and raise the team’s technical bar</li><li>a passion for building consumer-facing platforms and an eye for user-centric thinking</li><li>thrive in agile environments, are a self-starter, and bring energy and ownership to your work</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better

here’s what will be in store for you at CRED once you join as a part of the team


<div><b>what is CRED?</b></div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true</div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better</div><div><br /></div><div>here’s what will be in store for you at CRED once you join as a part of the team</div>

<li>lead test automation strategy and framework development for Android, iOS, and web platforms using tools like Appium, Espresso, XCUITest, Selenium, or Playwright</li><li>own release validation pipelines, covering A/B testing, beta programs, and feature flag rollouts</li><li>integrate test suites into CI/CD pipelines using tools like GitHub Actions or Jenkins for fast, reliable builds</li><li>test both third-party and internal SDK integrations within mobile applications, ensuring they function correctly across app versions with accurate data flow, compatibility, and expected behavior</li><li>leverage AI tools/models to develop intelligent testing utilities, smart test data generation, dynamic test execution, and self-healing automation</li><li>validate IPA/APK builds for signed artifacts, versioning, and environment-specific configurations across staging and production</li><li>use debugging tools like Charles Proxy, Fiddler, and Stetho, and inspect local databases for deeper debugging and validation</li><li>monitor, triage, and drive resolution of Firebase Crashlytics reports, ensuring critical issues are addressed and fixed as part of the release cycle</li><li>execute resilience testing using tools like monkey testing, and perform exploratory edge-case validation</li><li>mentor fellow SDETs, foster technical excellence, and promote a quality-first mindset across teams</li>

<li>bring 3–7 years of experience in SDET or QA automation roles with significant ownership of mobile and web test strategy</li><li>have led or contributed to release cycles, quality planning, and mobile app deployments</li><li>are proficient in Java or Python, with a solid understanding of OOP principles</li><li>are hands-on with automation tools like Appium, Espresso, XCUITest (mobile), Selenium, Playwright (web)</li><li>understand SDK integration testing and can validate SDK behaviors across builds</li><li>know how to test and manage IPA/APK builds, including Firebase integration, local database setups, environment-specific configs, and variant validations</li><li>are comfortable using debugging tools like Charles Proxy, Fiddler, Stetho, and inspecting local storage/DBs</li><li>proactively analyze Firebase Crashlytics and incorporate fixes into releases</li><li>can set up and maintain CI/CD pipelines using GitHub Actions, Jenkins, and containerized environments (Docker/Kubernetes)</li><li>have worked with A/B testing, feature toggles, and beta rollouts</li><li>are familiar with deeplinks, notifications, product communications, and third-party SDK integrations</li><li>advocate for scalable quality practices and drive architectural testability</li><li>excel at debugging, analyzing, and communicating across cross-functional teams</li><li>(bonus) have experience in API/backend automation using REST Assured, Postman, or similar</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. 

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 

here’s what will be in store for you at CRED once you join as a part of the team 


<div>what is CRED?</div><div><br /></div><div>CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. </div><div><br /></div><div>here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </div><div><br /></div><div>here’s what will be in store for you at CRED once you join as a part of the team </div>

<li>this role will be crucial in expanding CRED’s consumer payments business, our biggest product line today. CRED customers currently have access to various payment products, including credit card bill payments, bbps (rent, school fees, utility bills, etc.), upi, and merchant payments. as the lead for the consumer payments frontend engineering team (with some backend responsibilities), you will steer the growth and adoption of upi payments like scan and pay and peer-to-peer, driving meaningful impact on user growth, product reliability, and innovation in the payments ecosystem over the next 1–2 years.</li><li>make CRED the go-to platform for all daily payment needs across scan-and-pay and peer-to-peer transactions. <b>key metrics:</b> increase in upi daily transacting users (dtu/mtu), total payment volume (tpv), transactions per user (tpu), % of CRED mtu adopting CRED upi, and % of rupay upi transactions via CRED.</li><li>enhance the reliability and user experience of all payment products by improving speed, reducing error and failure rates, and optimising transaction times. <b>key metrics:</b> increase upi m1/mx retention, adoption, multi-lob adoption, transaction success rate, session-to-transaction conversion rate, and reactivation.</li><li>identify innovative payment use cases to keep CRED ahead of industry trends.<b>key metrics:</b> develop new opportunities that positively impact the user metrics outlined above.</li>

<li>hands-on understanding of at least one of the mobile platforms (flutter, ios, or android), with active coding experience when needed and knowledge of frontend architecture for the product or platform worked on. must have been in a hands-on role within the last 2 years.</li><li>ability to work closely with backend teams to ensure performance, scalability, and fault tolerance across upi backend systems; experience collaborating with platform teams is a plus.</li><li>deep problem-solving capability, with the ability to diagnose issues, evaluate solutions, and advocate passionately for the best approach.</li><li>customer empathy, prioritising user experience and design while balancing growth and retention.</li><li>proven experience owning end-to-end consumer metrics, with a focus on frontend (backend experience is a plus).</li><li>experience leading frontend-focused engineering teams in payments, with working knowledge of backend systems and integration flows.</li><li>exposure to mobile testing frameworks and automation.</li><li>ai-first mindset, comfortable leveraging ai tools to generate functional code.</li><li>passion for performance, visual polish, and app architecture.</li>

what is CRED? 
CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. 
CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. To build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. 


<div><b style="font-size:11pt">what is CRED? </b></div><div><span style="font-size:11pt">CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behaviour. </span></div><div><span style="font-size:11pt">CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. To build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true. here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better. </span></div>

<li>assist in daily fund settlements, reconciliation, and reporting activities for trading transactions.</li><li>process client fund receipts and payments, ensuring accurate posting and timely transaction recording.</li><li>ensure strict compliance with SEBI payout processes and regulatory reporting timelines.</li><li>coordinate with internal teams like operations, accounts, and compliance for smooth fund movement and settlements.</li>

<li>minimum 2 years of experience in stock broking fund operations or settlements.</li><li>familiarity with back-office systems like techexcel or equivalent fund management platforms.</li><li>good communication and coordination skills for interacting with internal stakeholders and resolving discrepancies.</li><li>high level of accuracy and attention to detail in handling financial transactions.</li><li>strong analytical and problem-solving skills to manage exceptions and settlement issues.</li>

what is CRED?

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. 

CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better.

here is what you will do when you join as a part of the team:


<div><b style="font-size:11pt">what is CRED?</b></div><div><br /></div><div><span style="font-size:11pt">CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. </span></div><div><br /></div><div><span style="font-size:11pt">CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.</span></div><div><br /></div><div><span style="font-size:11pt">here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better.</span></div><div><br /></div><div><span style="font-size:11pt">here is what you will do when you join as a part of the team:</span></div>

<li>configure and deploy app features/ updates, experiments and campaigns across multiple screens, ensuring seamless integration between design, data, and system components</li><li>test and validate new features end-to-end in sync with QA team before release, identifying and resolving issues to guarantee optimal user experience</li><li>collaborate cross-functionally with Product Management, Backend, Frontend, and QA teams to coordinate feature rollouts and troubleshoot technical challenges</li><li>orchestrate the behind-the-scenes operations that ensure all feature components work perfectly together before reaching end users</li><li>coordinate release schedules and manage the technical workflow from stage testing to live deployment</li><li>identify and mitigate risks in the deployment pipeline, proactively addressing potential issues before they impact users</li><li>document and standardize operational procedures to enhance team efficiency and ensure consistent deployment practices</li><li>provide technical support during feature launches and coordinate rapid response to any post-deployment issues.</li>

<li>3-5 years experience in App/feature releases, UAT, App configurations, Configuration QA, A/B testing, API testing, GTM (Go To Market) </li><li>basic skills in SQL (Hackerank)</li><li>understanding of data structures (JSON), (Decision Trees)</li><li>logical expression handling</li><li>stakeholder management (especially Product &amp; Tech)</li>