
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 cards issued to CRED members</li><li>responsible for managing offers, campaigns, best card offers backwards of consumer need and adoption patterns</li><li>responsible for working very closing with risk teams (internal + issuers) 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>understanding of various life cycle aspects of credit cards, which will define the need of what we need to plan for from a tech/other capability standpoint. </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>