what is CRED 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 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 behaviour 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 us what will you do responsible for managing paid campaigns on digital platforms plan monthly, weekly and daily budgets and targets plan and execute campaigns across different advertising platforms manage end to end process from idea generation to execution and optimisation generate hypothesis and design relevant experiments to test them run A/B experiments across creatives, copy and product flows analyze funnels and trendlines to uncover patterns and insights you should apply if you: have 3 to 5 years of experience working in performance marketing for consumer internet product possess hands on experience of running paid ads on google, facebook, dv360, programmatic and affiliate channels are good with data and can take data backed decisions have a growth mindset and has the ability to figure things out have good written and verbal communication skills how is life at CRED working at CRED would instantly make you realise 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, 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 good company. hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and 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. 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
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 passionateand 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 is what you will do when you join as a part of the AML operations team what will you do reviewing and performing manual investigation based on the system signals/alerts assist in monitoring and ensuring adherence to AML policies, procedures, and regulations set by the relevant regulatory bodies ensure adherence to Standard Operating Procedures (SOPs) established for AML protocols, consistently following defined processes and guidelines in all investigative and reporting activities prepare and document detailed reports on AML findings, suspicious activity, and compliance reviews to be presented to management or regulatory authorities as required collaborate with the risk analytics and compliance team to enhance AML monitoring systems, ensuring they are up-to-date and effective in identifying potential risks assist in assessing the risks associated with various financial products and services contribute to the ongoing improvement of AML processes, suggesting and implementing enhancements to existing procedures or systems maintain comprehensive records of AML investigations, findings, and decisions made you should apply if you have: 2 years of experience conducting AML investigation in the AML team of an organisation within the BFSI or financial spaceworked on financial crimes, AML, fraud detection, or regulatory compliance adept with MS tools and have analytical and problem solving skills 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 realize 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.
what is CRED 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 bring back the focus on a long lost virtue, one of trust, the idea is 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 behaviour 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 what will you do build a systematic, process driven approach to grow offline partnerships structure, negotiate, and execute win-win deals with leading brands across categories collaborate with product, marketing, analytics, and ops teams to co create high impact partner activations act as the voice of the partner internally, helping CRED teams understand merchant needs and influencing product evolution ensure seamless execution and reporting of partner commitments deliver an exceptional experience to members ensuring high member NPS you should apply if you: possess strong negotiation and storytelling ability have relationship building and networking expertise with offline plus digital brands have clear, persuasive communication across senior stakeholders and on ground partners have experience in partner management and business acumen with execution ownership possess 5+ years of experience in ad sales / client facing roles with reputed agencies or consumer tech firms, with retail or offline execution experience thrive in a high-ownership, fast paced, entrepreneurial environment 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.
what is CRED 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 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 behaviour 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 us. what will you do function as a brand guardian while building reach for our reward programmes build and run a co?marketing engine with marquee merchant, network, and bank partners work with internal partners to craft compelling narratives and joint value propositions work with the marketing team to create promotion plans and scalable playbooks you should apply if you: have 4 to 6 years of experience working in a brand or partnerships environment use AI tools or agents 10+ times a day are a strong collaborator who is comfortable operating in an ambiguous environment have strong communication and presentation skills, with the ability to articulate value propositions effectively are data-oriented and have some experience measuring consumer and brand funnels how is life at CRED working at CRED would instantly make you realise 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, 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 good company. hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and 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. 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
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. here's what will be in store for you at CRED once you join the team. what you will do: strategy planning & execution: develop and implement new & effective collection strategies for early stage delinquent users while keeping in mind the quality and CSAT impacts work with risk and front-end collection team for implementation of better calling campaigns duly aligned with the organization goals and compliance benchmarks own and create dial out strategies, floor mobility strategies and prioritization frameworks based on portfolio segments manage cost of collections in a tight budget to ensure the P&L becomes profitable examine strategic performance, spot emerging business & product opportunities, identify business threats/blockers, look for novel strategic solutions, and develop creative action plans be aware of what is happening on competition space and collection ecosystem and keep adding new ideas to improve collection efficiency team management: ensure to have a highly customer centric collection team who regularly achieve their collection targets and KPIs develop and execute operations plan for the tele-calling sites take initiatives to innovate tele-calling structures with an intent to create a sharply focused state of the art framework provide and facilitate relevant development models for team members which would be essential to deliver as per expectation frequent performance reviews and monitoring of team members has managed big teams -50-60 size 100 would be preferred. process management & reporting: end to end process management encompassing all aspects of compliance, quality & training. generate, analyze & share regular reports on team performance, collection intensity and outcomes including but not restricted to market trend analysis and reports present derived insights and recommendations for ongoing improvement you should apply if you have: possess minimum 3-4 years of tele-calling collection experience in financial services possess at least 1 year of experience in fintech collection space hold the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concern possess exceptional analytical, problem solving and research skills and resource knowledge have the ability to manage large teams with approach to coaching and training your team members have a clear eye to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product
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 passionateand 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 is what you will do when you join as a part of the team. what will you do: coordinate with multiple stakeholders across Product, Tech and Business teams to understand the platforms, systems and architecture for information & process flow identify failure nodes and dig deeper to arrive at the source and failure reasons maintain regular communications with key team members across the org, and you will ensure seamless communication with Product Management, Operations, Engineering, Finance, Data analytics and other partner teams track core business metrics related to the product suite and iterate on product / business improvement plans build a deep understanding of the product, business, workflows, API's, customer experience, fund flows, lender expectations, dashboards, reports etc own end to end experience for customer journey interactions by looking at current state, identifying opportunities for improvement and coordinating with stakeholders to improve experience in a scalable manner be curious, deploy first principles thinking and question norms/as-is processes to ideate/create and lead new projects focused with measurable goals and business impact display structured problem-solving skills and use a systematic, disciplined and fact-based process to get RCAs and solve them hands on experience of Loan Management system (LMS), creation of SOPs for existing Issues and upcoming projects, operationalize the product/process. you should apply if you: are a graduate with 4+ years of work experience in lending domain strong stakeholder management and influencing skills excellent interpersonal and communication skills, with experience interacting with stakeholders/leadership experience of working with product based startups would be a plus data driven - you seek out to use data to align teams and drive strategic decisions you always get the data you need and distill it into insightful stories 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 realize 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.
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. here's what will be in store for you at CRED once you join as a part of the team what you will do: own the merchant payouts process for the CRED Rewards & Store charter end-to-end manage MIS - compiling costs, revenues, and driving actionable insights for the business P&L extract and analyze data to uncover trends and enable decision-making set up SOPs, streamline processes, and ensure smooth execution across payouts and reconciliation workflows liaise closely with the finance team to ensure timely merchant payment clearance validate invoices, payables, and receivables with thorough checks be the single point of contact (SPOC) for merchants on reconciliation and drive timely resolutions for queries coordinate with finance on GST, TDS, TCS and other compliance-related aspects work with multiple teams - partnerships, legal, operations, and product - to drive seamless execution and business outcomes you should apply if you: possess at least 2-3 years of work experience in payments, operations or finance functions have a basic understanding of SQL have meticulous attention to detail and do not shy away from large data sets have a knack for digging deep to find data driven insights are willing to bring your best to work consistently and diligently are able to think and react in a high-energy, fast-paced environment thrive with high ownership independently in a dynamic environment 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.
what is CRED 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 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 behaviour 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 us. what will you do own various metrics to improve the rate of recoveries for the stressed portfolios by creating appropriate infrastructure and resources for carrying out the last mile operating plan, ensuring a highly efficient follow-up framework own vendor partners and teams to deliver all critical metrics with adequate performance tracking & ground routed strategy building ensure highly customer centric recoveries review and update management on portfolio level performance for your locations and segment level ensure adherence to compliance policies, processes and auditory requirements identify segments for legal hardship tools, alternate strategy to improve the collections participate strategically and tactically to develop and implement portfolio treatment to maximize collections raise timely red-flag in early bucket collections processes and sourcing quality you should apply if you: possess atleast 6+ years of field collection experience in financial services (recovery collections knowledge is a plus) possess high operational rigour & are highly result oriented have exceptional analytical, problem solving and research skills have the ability to manage multiple vendor partner teams, large portfolios & volumes with approach to coaching and training your team members have the clear ability to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product have the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concerns how is life at CRED working at CRED would instantly make you realise 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, 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 good company. hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and 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. 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 We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
what is CRED 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 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 behaviour 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 us. what will you do own various metrics to improve the rate of recoveries for the stressed portfolios by creating appropriate infrastructure and resources for carrying out the last mile operating plan, ensuring a highly efficient follow-up framework own vendor partners and teams to deliver all critical metrics with adequate performance tracking & ground routed strategy building ensure highly customer centric recoveries review and update management on portfolio level performance for your locations and segment level ensure adherence to compliance policies, processes and auditory requirements identify segments for legal hardship tools, alternate strategy to improve the collections participate strategically and tactically to develop and implement portfolio treatment to maximize collections raise timely red-flag in early bucket collections processes and sourcing quality you should apply if you: possess atleast 6+ years of field collection experience in financial services (recovery collections knowledge is a plus) possess high operational rigour & are highly result oriented have exceptional analytical, problem solving and research skills have the ability to manage multiple vendor partner teams, large portfolios & volumes with approach to coaching and training your team members have the clear ability to see the bigger picture in mind and have the decisiveness to affect the long-term viability of the product have the required knowledge and flare to work with new technology solutions and ability to get deep into problem solving of critical concerns how is life at CRED working at CRED would instantly make you realise 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, 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 good company. hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. this is why CRED is in the continuous process of building an environment that helps the team rejuvenate itself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and 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. 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 We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
CRED is a members-only platform that rewards creditworthy individuals for their responsible financial behavior. The Merchant Payments team at CRED builds and operates an (in-principle) RBI-approved Payment Aggregator. With a comprehensive charter that supports payments not only for CRED but also for external merchants through CRED Pay, we are building one of the largest payment aggregators in the country by value - processing lakhs of crores in transactions every year. Our focus on prudent risk management, robust technology infrastructure, regulatory compliance, and seamless partner integrations - while navigating the scale, complexity, and regulatory rigor of the payments ecosystem - positions us to redefine the payment experience for both merchants and users. Key impact areas of the role define and drive the technology strategy for CRED's merchant payments products and horizontal platform capabilities, positioning the division as scalable. you will make critical technology strategy decisions on build vs. buy for merchant payments infrastructure, balancing speed of execution with long-term scalability and platform thinking. your responsibility extends to establishing industry-leading technology practices for building resilient, compliant systems that can handle complex workflows, and real-time transaction processing at scale. You will integrate and harmonize multiple systems across the ecosystem - spanning merchant onboarding, checkout, payment processing, and post-payment experiences such as refunds, chargebacks, settlements, and reconciliation - to build a comprehensive payments platform. you will be responsible for building and leading a high-caliber engineering team (10+ engineers) steering the team towards building world-class, technology-driven solutions. here's what will be in store for you at CRED once you join the team organizational leadership understands the big picture & impact of day-to-day decisions on business, product outcomes & customer experience. sets the right direction for the engineering team and leads by example in building scalable platforms. align & inspire the team to gravitate towards the shared vision of building a robust platform powering some of the critical business for CRED like, lending, credit card bill payments etc. enable agility to respond to product changes, regulatory requirements, and market dynamics effectively. innate ability to be trusted by cross-functional teams including risk, compliance, business, and external partners. technology orientation creates a culture that enables technology to catalyze solving complex problems and enhancing the customer experience. ensure the best engineering practices are adopted for building high-volume transaction processing systems with strong consistency and reliability guarantees. hands-on with technology stack and tools, and can lead by example in architectural decisions. works closely with architects to choose the right technology stack & ensure RASP (reliability, availability, scalability & performance) characteristics. apply the first-principles approach to solving complex technology problems, including workflow orchestration, state management, and integration challenges. delivery orientation drives results & focuses on outcomes that directly impact business metrics and customer satisfaction. responsible for timeliness and quality of deliverables across pods like merchant onboarding, payment processing, post payments etc. communicates effectively and keeps internal stakeholders (risk, compliance, business, product) and external partners updated on progress. anticipate problems in complex workflows and unblock the team proactively. people management mentor & coach the team on both technical excellence and understanding of payments domain complexities. actively engage with the team and help build their career path. manage conflicts proactively and provide timely feedback in a fast-paced environment. motivate, inspire, recognize & reward good performance while maintaining high standards for platform reliability. you should apply if you possess 8+ years experience (with 1+ years of experience being an engineering leader managing teams of 6-8 engineers). exhibit strong competencies in software design & architecture with deep understanding of scalability for high-volume transaction processing systems. proficiency in Java or Go with experience in building distributed systems and microservices architecture. are experienced in agile methodologies and have led cross-functional teams in complex product development. have experience building platforms that integrate with multiple external systems and handle complex workflows. have the ability to make decisions independently under ambiguity and navigate technical trade-offs effectively. are able to lend structure to complex technical problems and break them down into executable roadmaps. have the ability to communicate and manage internal and external stakeholders effectively in a regulated environment. demonstrate strong understanding of system reliability, fault tolerance, and operational excellence for mission-critical financial systems. have experience with cloud platforms (AWS) and modern architecture patterns. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.