# lead – on deck payments **Company**: CRED **Location**: bengaluru **Work arrangement**: onsite **Experience**: senior **Job type**: full-time **Category**: Finance **Industry**: Finance **Apply**: https://jobs.lever.co/cred/aa501081-1787-4617-bfa9-9f4ecaf68f30?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply **Canonical**: https://yubhub.co/jobs/job_ba83fd5c-78a ## Description CRED is an exclusive community for India's most trustworthy and creditworthy individuals, where members are rewarded for good financial behaviour. CRED was born out of a need to restore focus on a long-lost virtue , trust. The idea is to create a community built on trust and scale this behaviour until it becomes the norm. Building a community like this requires a community of its own; a group of passionate, driven people with the freedom to take big swings and chase meaningful outcomes. A group that believes in solving problems elegantly, moving fast, thinking first principles, and constantly raising the bar. As a lead within the payments pod, you will own the end-to-end strategy, growth, and P&L for one of CRED's most important engagement surfaces , high-frequency, transactional payment categories that form the backbone of member habit and retention. This role is responsible for step-change growth , scaling active transacting members 2–3× by making on-deck payment flows habit-forming, low-friction, and trust-reinforcing for CRED members. The mandate is not short-term monetisation, but maximising active transacting members at the lowest cost to serve, while building a compliant, resilient, and scalable business. You will work closely with product, engineering, compliance, and external ecosystem partners to define the future roadmap for the category and translate strategy into execution. ### Responsibilities #### Category Ownership & P&L - Own the category end-to-end, including growth strategy, economics, forecasting, and reporting - Drive planning cadences, operating reviews, and performance tracking for the category - Balance growth, reliability, cost-to-serve, and long-term sustainability - Make clear trade-offs between engagement, scale, and economics #### Strategy & Roadmap Definition - Partner with product and design teams to define the long-term vision and roadmap - Identify levers to drive 2–3× growth in active transacting members - Reimagine user journeys, frequency drivers, and habit loops within the category - Translate category strategy into executable priorities and milestones #### Growth & Engagement - Drive adoption and repeat usage - Design strategies to reduce friction, increase trust, and improve payment confidence - Focus on low-cost engagement, not yield maximisation - Use data and experimentation to identify and unlock growth inflection points #### Ecosystem & Regulatory Collaboration - Work closely with relevant networks, regulators, and internal compliance teams to ensure regulatory alignment - Anticipate ecosystem or policy changes and factor them into category strategy - Represent category requirements clearly in cross-functional and partner discussions #### Cross-Functional Leadership - Act as the single-threaded owner working across product, engineering, compliance, finance, and growth - Influence without authority through clear problem framing, structured thinking, and data-backed narratives - Drive clarity in ambiguous spaces and align teams around common outcomes ### Requirements - 6–10 years of experience in payments or fintech, with prior ownership of high-frequency consumer payment categories in India - Direct experience working across regulated payment rails and partner ecosystems - Proven track record of scaling high-frequency consumer payment categories - Strong strategic and analytical skills , able to translate insight into execution - Experience owning P&L, planning, and business performance cadences - Ability to operate cross-functionally in regulated environments - High ownership mindset with strong collaboration ethos ### Benefits Working at CRED offers several benefits, including: - A stacked, in-house pantry with lunch and dinner provided for all team members - Paid sick leaves and comprehensive health insurance - Flexible work timings with no job designations - Salaries paid before joining date ## Skills ### Required - payments - fintech - strategic thinking - analytical skills - P&L management - regulatory compliance --- Source: [Apply at jobs.lever.co](https://jobs.lever.co/cred/aa501081-1787-4617-bfa9-9f4ecaf68f30?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)