---
title: 'lead – on deck payments at CRED'
canonical: 'https://feeny.ai/job/lead-on-deck-payments-cred-bengaluru-vvg1jzpfj27b'
type: 'job'
last_seen: '2026-09-07'
---

# lead – on deck payments 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/aa501081-1787-4617-bfa9-9f4ecaf68f30

## Job description

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

how is life at CRED?

working at CRED would instantly make you realize one thing: you are working with the best talent around you. not just in the role you occupy, but everywhere you go. talk to someone around you; most likely you will be talking to a singer, standup comic, artist, writer, an athlete, maybe a magician. at CRED people always have talent up their sleeves. with the right company, even conversations can be rejuvenating. at CRED, we guarantee a good company.

hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. which is why CRED is in the continuous process of building an environment that helps the team rejuvenate oneself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and a comprehensive health insurance.

to make things smoother and to make sure you spend time and energy only on the most important things,  CRED strives to make every process transparent: there are no work timings because we do not believe in archaic methods of calculating productivity, your work should speak for you. there are no job designations because you will be expected to hold down roles that cannot be described in one word. since trust is a major virtue in the community we have built, we make it a point to highlight it in the community behind CRED: all our employees get their salaries before their joining date. a show of trust that speaks volumes because of the skin in the game.

there are many more such eccentricities that make CRED what it is but that’s for one to discover. if you feel at home reading this, get in touch.

## 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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