---
title: 'issuance growth lead at CRED'
canonical: 'https://feeny.ai/job/issuance-growth-lead-cred-bengaluru-5emvtgzcybzm'
type: 'job'
last_seen: '2026-11-01'
---

# issuance growth lead at CRED

- **Company:** CRED
- **Location:** Bengaluru, India
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-10-30
- **Last confirmed live:** 2026-11-01
- **Apply:** https://jobs.lever.co/cred/224c14b0-0317-4512-b380-60c8acb2d4c2

## Job description

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.

what will you do?

- demand generation through on-deck and off-deck properties which CRED has for issuance objectives
- work with marketing, product counter-parts to keep innovating on how we enable issuance, convert interest
- risk policy/funnel throughput alignment with banks to maximize conversion of co-created financial products on CRED member base.
- defining and aligning most seamless onboarding journeys with the bank defining contours around - underwriting, compliances, kyc et al.
- defining inputs around non-captive channels/merchant channels to enable discovery, capture interest and enable respective issuance partnerships

you should apply if:

- nth degree card optimizer themselves to understand how customers maximize value generation out of credit cards
- ability to understand and de-mystify user needs to take a new card, upgrade card and define customer value propositions basis that and embed into context of growth
- understanding of card onboarding journeys and various input levers
- understanding of credit/risk/policy/funnel related aspects and various input levers
- build and grow a Zero to One product. All hands on deck attitude.
- has worked on long term projects in ambiguous environments.
- has in past with projects involving multiple stakeholders across product, business, risk, legal/compliance, engineering, bank teams, and taken global maxima decisions

## 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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