---
title: 'credit card bill payments growth at CRED'
canonical: 'https://feeny.ai/job/credit-card-bill-payments-growth-cred-bengaluru-9nnn6mxqtrx2'
type: 'job'
last_seen: '2026-10-18'
---

# credit card bill payments growth at CRED

- **Company:** CRED
- **Location:** Bengaluru, India
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-09-24
- **Last confirmed live:** 2026-10-18
- **Apply:** https://jobs.lever.co/cred/b3fdba2a-802c-4e03-b445-5284c5e3c157

## Job description

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 the team.

as part of the credit card bill payments (ccbp) team at CRED, you'll be responsible for the overall growth of credit-card bill payments on the platform - the flow through which members pay their credit card bills (their own and others') via CRED. ccbp is one of the highest-frequency, highest-trust actions on the app, and directly compounds into CRED's growth and retention.

what will you do?

- own key input levers of the ccbp business - acquisition and resurrection of members paying credit card bills, and multi-card adoption - deep-diving on metrics and diagnosing drop-offs to course-correct performance.
- track and report on these levers daily/weekly/monthly, owning monthly planning and flagging deviations early.
- exercise judgment on when to resolve issues independently vs. escalate, and anticipate recurring problem patterns before they hit the numbers.
- own execution across the bill-pay funnel (discovery, reminders, payment, retry/failure), building preventive and reactive interventions to lift conversion.
- translate broader category strategy into concrete campaigns, experiments, and milestones you can ship and measure.
- own merchandising for ccbp on and off app - home page assets, cross-sell placements, communication plans.
- design and run campaigns (offers, cashback, reward mechanics) to drive adoption and repeat usage, optimizing spend for roI rather than just reach.
- focus on reducing friction and building payment confidence — low-cost engagement over short-term yield maximization.
- run a constant experimentation cadence (A/B/multivariate testing) to find growth inflection points, and productize what works into the core journey.
- partner with product and data science teams to build personalization models (due-date prediction, smart nudges, next-best-card-to-pay) that increase throughput.
- bring clear, data-backed narratives to cross-functional discussions (Marketing, Rewards, Product, Risk) to align on priorities and unblock execution.

## What we’re looking for

- 4–7 years of experience in user growth/ category management roles, with prior ownership of high-frequency consumer transaction/payment categories or 3-5 years of experience in management consulting, investment banking, growth strategy, corporate strategy, or fintech strategy roles.
- data-driven mindset — comfortable analyzing data to form hypotheses, identify opportunities, and measure experiment success.
- track record of driving growth initiatives end-to-end (ideation → execution → measurable impact) at a consumer-first company.
- high ownership and bias for action in a fast-paced, ambiguous, agile environment.
- strong program/project management skills - able to run multiple cross-functional initiatives (product, marketing, risk, ops) simultaneously with attention to detail.

## 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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