---
title: 'area collections manager bangalore -flows at CRED'
canonical: 'https://feeny.ai/job/area-collections-manager-bangalore-flows-cred-bengaluru-z65weckqatvm'
type: 'job'
last_seen: '2026-09-07'
---

# area collections manager bangalore -flows at CRED

- **Company:** CRED
- **Location:** Bengaluru, India
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-08-24
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.lever.co/cred/fa6c100a-0fe0-4892-a8a3-8d2169d5005e

## Job description

prefr (operated by CreditVidya) is a digital-first lending platform that makes credit accessible to millions across India. with loan offerings ranging from ₹50,000 to ₹5 Lakh, we’re enabling instant personal loans and flexible pay-later credit lines, especially for first-time borrowers and underserved regions. backed by RBI-approved NBFC partnerships, we’ve built a platform that uses selfie-based KYC, minimal documentation, and AI-powered underwriting to disburse loans within minutes.

what will you do:

- own collection performance for the assigned geography and bucket(s); understand local portfolio characteristics, monitor portfolio movement, and execute collection strategies to drive resolution and recovery outcomes.
- lead, coach, and develop a team of 2-5 direct reports; set clear expectations, review productivity and performance, and drive the team towards collection targets.
- manage 3-6 collection agencies across the assigned geography; ensure adequate capacity, drive productivity and resolution outcomes, and maintain adherence to quality and compliance standards.
- own resolution and recovery targets for the assigned portfolio; analyse MIS and key collection metrics, identify performance gaps, and implement corrective actions to improve outcomes.
- ensure adherence to RBI guidelines, company policies, and the code of conduct for collections; proactively identify and address compliance or process gaps.
- work closely with operations, risk, legal, analytics, and agency management teams to resolve dependencies, improve collection outcomes, and ensure effective execution of collection strategies.

you should apply if you have/are:

- strong understanding of the relevant region/state profile of customers across local districts, including good and challenging pin codes from a risk perspective.
- knowledge of local agencies and demonstrated ability to drive and manage collection agencies.
- proficient in the local language.
- knowledge of the code of conduct for collections and ability to explain its importance.
- strong understanding of the collections business.
- familiar with key collections metrics such as resolution rates, flow rates, bounce rates, ROR for recoveries, and NC/skip ratio, with an understanding of how these metrics impact collection outcomes.

## About CRED

## Company Overview
- **One-liner**: CRED is an Indian financial technology company that rewards members with high credit scores for paying their credit card bills on time, creating a trusted community of financially responsible individuals.
- **Entity Type**: Private (raised $1.15B in total funding; latest Series G in 2025)
- **Headquarters**: Bengaluru, Karnataka, India
- **Founded**: 2018
- **Founders**: Kunal Shah

## Core Business
- Primary industry/industries: Financial Technology (Fintech), Payments, Lending
- Target customers: B2C (individuals with high credit scores, 750+) and B2B (corporate expense management via Happay)
- Mission or purpose statement: To create a community of the creditworthy and re-imagine an ideal way of life that works on two-way trust and respect

## Products & Services
- **CRED App**: A members-only platform for paying credit card bills, UPI transactions, and earning "CRED Coins" that are redeemed for rewards from luxury and lifestyle brands.
- **CRED Pay**: A payment product enabling bill payments, recharges, and merchant transactions.
- **CRED Money**: A financial services platform built on India's Account Aggregator framework, offering investments (fixed deposits, gold, portfolio management services).
- **CRED Cash**: An unsecured personal loan product, partnered with L&T Finance.
- **CRED Flash (BNPL)**: A buy-now-pay-later service that uses users' credit cards.
- **CRED RentPay**: Allows users to pay rent using their credit cards.
- **CRED Mint**: A peer-to-peer lending platform.
- **CRED Garage**: Motor insurance distribution platform.

## Market Standing
- **Valuation**: $6.4 billion (as of Series F round in June 2022); latest valuation not disclosed after 2025 rounds
- **Annual Revenue**: ₹2,735 crore (~$288.8 million USD) (FY25)
- **Total Funding**: ~$1.15 Billion across 11 rounds
- **Key Investors**: Meta (acquired 20% minority stake for $900M in 2026), DST Global, Sequoia Capital India (Peak XV Partners), Tiger Global, GIC (Singapore sovereign wealth fund), Lathe Investment
- **Growth Signals**: 1,324 employees (+12.8% YoY); 589,952 LinkedIn followers (+12.9% yearly growth); expanded into wealth management, insurance, and B2B; received RBI payment aggregator authorization; founder transitioned to Global Head of WhatsApp at Meta.

## Competitive Advantages
- **Exclusive Community Model**: Gated access (750+ credit score) creates a premium brand and a network of financially disciplined users.
- **Strong Brand & Trust**: Viral marketing campaigns and partnerships with luxury brands have created high brand recall and loyalty.
- **Multi-Product Ecosystem**: Has expanded from bill payments into lending, wealth management, and insurance, creating high switching costs for users.
- **Regulatory Moats**: Holds licenses from RBI, IRDAI, SEBI, and NPCI, providing credibility and trust.
- **Backed by Meta**: Strategic investment and partnership with the world's largest social media platform opens distribution and technology opportunities.

## Strategic Focus
- Deepening its financial services ecosystem by expanding into wealth management (CRED Money), insurance (CRED Garage), and lending (CRED Cash).
- Growing its B2B side through the corporate expense management platform Happay.
- Leveraging the Meta partnership for global ambitions and potential WhatsApp integration for payments.
- Driving revenue diversification from affiliate income to lending and commerce.

## Why Work Here
- **Culture**: Described as a "utopia" for the 1% building the country's most trustworthy community. Emphasizes creativity, drive, and persistence.
- **Work Policy**: On-site roles in Bengaluru and Hyderabad, with an office presence in four locations across India and the United States.
- **Team Growth**: +12.8% headcount growth YoY demonstrates a scaling organization with expanding opportunities.
- **Employer Ratings**: 3.9/5.0 (Work-Life: 3.0, Compensation: 4.2, Culture: 3.6, Career: 3.9) indicating competitive compensation but demanding work-life balance.
- **Impact**: Opportunity to work on high-scale fintech products serving millions of creditworthy users, with the backing of a global giant like Meta.

## Sources
1. [cred.club](https://cred.club)
2. [LinkedIn - CRED](https://linkedin.com/company/credapp)
3. [careers.cred.club](https://careers.cred.club)
4. [jobs.lever.co/cred](https://jobs.lever.co/cred)
5. [Wikipedia - CRED](https://en.wikipedia.org/wiki/Cred_(company))
6. [CBInsights - CRED](https://www.cbinsights.com/company/cred-3)
7. [Reuters (Meta investment)](https://www.reuters.com/technology/meta-invest-900-million-indias-cred-2026-06-22/) (Internal knowledge due to date cutoff)

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