lead – on deck payments

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 restore focus on a long-lost virtue — trust. the idea: 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.

here's what will be in store for you at CRED once you join the team.

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.

what you will do

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

What we’re looking for

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