About Credit Saison India Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Job Summary: We are seeking a data-driven and strategic professional to lead our collection strategy for retail and SME loans in India. The ideal candidate will develop, implement, and optimize debt collection strategies that improve recovery rates, reduce delinquency, and ensure compliance with regulatory guidelines. The role requires a strong understanding of analytics, collection processes, RBI regulations, and customer segmentation. Key Responsibilities: Strategy Development: Design and implement end-to-end collection strategies across delinquency buckets (soft, hard, and legal collections). Develop risk-based segmentation to prioritize accounts and personalize recovery actions. Optimize contact strategies (SMS, IVR, email, field visits, call center) based on customer behavior and risk profile. Portfolio Management: Monitor portfolio performance, delinquency trends, and recovery rates. Identify stress segments and design focused recovery campaigns. Analytics & Reporting: Use data analytics and machine learning models to forecast recoveries and predict roll rates. Work closely with the data science team to improve scoring models. Build dashboards and performance reports for senior management. Process Optimization: Drive automation and digitization of collections processes. Collaborate with tech teams to implement collection systems (CRM, dialers, payment gateways). Identify and fix bottlenecks in existing collection flows. Agency & Vendor Management: Onboard and manage third-party collection agencies and legal vendors. Define SLAs and ensure adherence to compliance and performance metrics. Compliance & Risk: Ensure adherence to RBI guidelines, fair practices code, and regulatory requirements. Mitigate reputational and operational risk through effective control mechanisms. Qualifications & Skills: Bachelor’s degree in Business, Finance, Economics, or related field; MBA preferred. 5–10 years of experience in debt collections, preferably in a fintech, NBFC, or bank. Experience in managing unsecured and secured loan portfolios. Strong knowledge of Indian regulatory framework (RBI, DRA guidelines, SARFAESI). Proficient in Excel, SQL, Power BI/Tableau; knowledge of SAS/R/Python is a plus. Excellent problem-solving, analytical, and communication skills. Experience in working with cross-functional teams (tech, legal, product, operations). Preferred: Exposure to collections strategy in digital lending or consumer finance. Experience with AI/ML-based collection scorecards or decision engines. Multilingual proficiency to deal with regional agencies across India. Show more Show less
About Credit Saison: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Job Description Responsibilities: - Partner with Businesses to drive and align with the organization's business plan. Implement HR plans and solutions to achieve strategic business initiatives and deliver results. - Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. - Drive all HR projects closely with the business team covering employee engagement, performance management, organizational design, talent management, policy, and process review. - Analyzes trends and metrics in partnership with COEs to develop solutions, programs, and policies. - Work closely with management and employees to improve work relationships, build morale and increase productivity and retention. - Consults with line management, providing HR guidance when appropriate. - Provide HR policy guidance and interpretation. - Manages and resolves complex employee relations issues. Conducts effective, thorough, and objective investigations. - Provides guidance and input on department restructures, manpower planning, and succession planning. - Resolve employee issues/queries and address grievances. Conduct thorough investigations where required. - Partnering with line management and employees to enhance employee engagement. - Ensure adherence to legal compliance and governance guidelines in various business verticals / locations - Driving various learning interventions and capability building programmes - Monitor attrition and design strategies in collaboration with business function to reduce attrition - Drive end to end Performance management cycle for the business units - Create platform for solving employee grievances and ensure effective and timely resolution to same - Effective stakeholder management Skills and attributes for success: - This role requires an experienced, innovative, and resilient team player with excellent project management, communication, and leadership skills and a strong foundational understanding of the intersection of people partnering Recruitment, and HR operations - Excellent project management, problem-solving, and delegation abilities, ability to manage complex global processes and programs - Exceptional attention to detail, organizational skills, and ability to multi-task, prioritize, manage deadlines, and work under tight deadlines To qualify for the role, you must have : - Bachelor's or master's degree in a Relevant field - At least 5-10 years of relevant experience - Excellent command of spoken and written English - Experience in NBFC or Financial services with a specific focus on leading business partnering for Branches, Sales, and Business development verticals is a must but should not be a limiting factor for the right candidate - Experience leading and managing HRBP teams Show more Show less
About Credit Saison: A Neo-Lending Conglomerate here to enable India's credit growth story, Credit Saison India, emboldened by our Global MNC parent, is here to accelerate India's credit growth story: by building a Technology-Led Neo-Lending Conglomerate. Across our verticals, we offer bespoke solutions to meet the various credit needs of Individuals, SMEs, FinTechs, and NBFCs. Credit Saison India (“CS India”), having been founded in 2018, operates under the registered name Kisetsu Saison Finance India Private Limited as an MNC subsidiary of its parent company – Credit SaisonCo. Ltd in Japan. Across our various business verticals like Wholesale Financing, Co-origination Financing, Consumer Financing, and SME Financing we look towards reaching resilient Assets Under Management (“AUM”) of US1bn in record time. More about us on https://www.creditsaison.in Job Description: 1. Understanding of type of collaterals in location 2. Issues faced in collateral valuation and resolution/solution to avoid risk involved in these collaterals 3.Coordination with valuation vendor for getting reports on time and maintaining MIS for each vendor 4. Review of valuation agencies on timely basis and sharing feedback for improvement 5. Meeting with credit and business team on timely basis for feedback on valuations 6. Giving opinion on valuation given by agencies7. Keeping Market/competition information on type of collateral 7. Good communication skill for discussing with valuation agencies and cross function 8. Monitoring and review of location Collateral note 9. Maintaining Portfolio checks and control Show more Show less
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Intern Job Summary: We are looking for a passionate and driven Software Engineer Intern to join our engineering team. As an intern, you will gain hands-on experience working on real-world software development projects alongside experienced engineers. This is an excellent opportunity to enhance your programming skills, contribute to impactful projects, and gain exposure to the software development lifecycle in a collaborative environment. Key Responsibilities: Collaborate with engineering teams to design, develop, test, and deploy software solutions. Write clean, maintainable, and efficient code in [programming languages used, e.g., Python, JavaScript, Java, etc.]. Assist in debugging and troubleshooting application issues. Participate in code reviews and team meetings. Work with modern development tools and frameworks (e.g., Git, Docker, React, Node.js, etc.). Learn and apply software development best practices. Qualifications: Currently pursuing a Bachelor's or Master’s degree in Computer Science, Software Engineering, Solid foundation in computer science fundamentals such as data structures, algorithms, and object-oriented programming. Familiarity with one or more programming languages (e.g., Python, Java, C++, JavaScript). Basic understanding of version control systems like Git. Excellent problem-solving, communication, and teamwork skills. Self-motivated and eager to learn new technologies. Nice to Have: Experience with web or mobile development. Exposure to databases (SQL/NoSQL) and APIs. Knowledge of cloud platforms (e.g., AWS, Azure, GCP). What You’ll Gain: Practical experience working on production-grade software. Mentorship from experienced engineers. Opportunity to contribute to real business outcomes. Insight into Agile/Scrum methodologies and professional software development processes. Networking opportunities within a growing tech company. Show more Show less
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Role Objective Own and manage end-to-end campaign execution for all lifecycle journeys – across loan activation, usage, repayment, and top-up/cross-sell. The primary goal will be to deepen customer engagement and improve business metrics such as activation rate, product stickiness, and customer lifetime value, using CRM-driven communication. Key Responsibilities ● Define, build, and deploy communication journeys aligned with key lifecycle stages: Post-disbursal onboarding, Pre-EMI reminders, repayment follow-ups, Top and cross-sell campaigns ● Own campaign design and deployment using Salesforce Marketing Cloud, define trigger logic, audiences, templates, and frequency. Build journeys across channels – SMS, WhatsApp, Email, Push. ● Monitor campaign performance: open rate, click rate, repayment %, bounce resolution %, top-up conversion, etc. ● Run A/B tests, track control vs. exposed cohorts, and iterate for performance lift. ● Work with Data Science, Product, Collections, and Customer Experience teams to integrate lifecycle requirements. ● Align campaign flows with operational changes (e.g., repayment cycles, product updates, regulatory norms). ● Partner with Tech/CRM to ensure data flows, tagging, and event integrations are in place. ● Monitor and optimize campaign performance. ● Responsible for end-to-end development and execution of customer communication journeys using behavioral hooks, customer intent signals, and lifecycle triggers to drive timely actions and habit formation across lending products. ● Identify actionable customer insights and translate them into targeted, insight-led campaigns that influence user behavior and improve lifecycle outcomes. Must-Have Experience & Skills ● 3–5 years of hands-on CLCM experience in an BFSI, preferably in lending products. ● Preferably have worked with the SME audience ● Deep familiarity with borrower lifecycle journeys and communication needs across credit stages. ● Strong command over Salesforce Marketing Cloud (Journey Builder, Automation Studio, Contact Builder). ● Experience managing multi-channel campaigns in regulated environments. ● Analytical mindset – can work with dashboards and data to make campaign decisions. ● Should be extremely collaborative, have good project management skills driven environment. Show more Show less
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Conduct Portfolio Analysis and Monitor Portfolio delinquencies at a micro level, identification of segments, programs, locations, and profiles which are delinquent or working well. Helps to develop credit strategies across the customer lifecycle (acquisitions, management, fraud, collections, etc.) Identify trends by performing necessary analytics at various cuts for the Portfolio Provide analytical support to various internal reviews of the portfolio and help identify the opportunity to further increase the quality of the portfolio Work with Product team and engineering team to help implements the Risk strategies Work with Data science team to effectively provide inputs on the key model variables and optimize the cut off for various risk models Create a deep level understanding of the various data sources (Traditional as well as alternate) and optimum use of the same in underwriting Should have good understanding about various unsecured credit products Should be able to understand the business problems and helps convert them into the analytical solutions Required skills & Qualifications: Bachelor's degree in Computer Science, Engineering or related field from top tier (IIT/IIIT/NIT/BITS) 5+ years of experience working in Data science/Risk Analytics/Risk Management with experience in building the models/Risk strategies or generating risk insights Proficiency in SQL and other analytical tools/scripting languages such as Python or R Deep understanding of statistical concepts including descriptive analysis, experimental design and measurement, Bayesian statistics, confidence intervals, Probability distributions Proficiency with statistical and data mining techniques Proficiency with machine learning techniques such as decision tree learning etc. Should have an experience working with both structured and unstructured data Fintech or Retail/ SME/LAP/Secured lending experience is preferred
Company Description Established in 2019, Credit Saison India is one of the fastest-growing Non-Banking Financial Companies (NBFCs) in the country. Operating across wholesale lending, fintech partnerships, branch-led distribution, and embedded financing, the company leverages technology and strong underwriting capabilities to enable efficient and scalable credit delivery. Credit Saison India (CS India) focuses on serving underserved and underpenetrated segments. It is backed by Credit Saison Co., Ltd., a Tokyo Stock Exchange-listed company, and is affiliated with Mizuho Bank, Japan. CS India is part of Saison International, dedicated to innovative financial solutions with a positive impact. Role Description This is a full-time on-site role based in Patna for a Cluster Collection Manager. The Cluster Collection Manager will oversee and manage day-to-day collection activities across multiple regions (Bihar & Jharkhand). Responsibilities include developing and implementing collection strategies, monitoring collection agents' performance, ensuring compliance with regulatory requirements, and managing delinquency rates and recoveries. Additionally, the role involves analyzing collection data, preparing reports, and collaborating with other departments to optimize collection effectiveness. Qualifications Experience in collection management and debt recovery Skills in developing and implementing collection strategies Ability to monitor and improve collection performance Knowledge of regulatory requirements in financial collections Strong data analysis and reporting skills Excellent communication and interpersonal skills Proficiency in using collection software and tools Strong problem-solving and decision-making abilities Minimum of a bachelor’s degree in Finance, Business Administration, or related field
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles and Responsibilities – Build the core end to end Lending systems of Credit Saison India covering the universe of LOS, LMS, Customer Experience, Collections, Data, Authentication and Compliance Development of the feature roadmap through conducting best practice research, A/B tests understanding key product metrics. Should be highly focused on metrics Identify, develop and execute analyses to uncover areas of opportunity and present written business recommendations Exhibit sound product judgment and present clear measurable objectives that will lead to achieving business goals. Clearly, communicate product ideas and benefits to our users and internal stakeholders. Write specs, work cross-functionally with engineering, data, design, QA team and Stakeholders to launch features, analyze results and iterate on feature/product via learning Build a Very strong Platform support system Conceptual understanding of User Experience Design, Design Process Understand and Analyze Data Proven experience in communicating feature requirements across various platforms Basic Qualifications: Master’s degree from Top Tier MBA school Proven analytical and quantitative skills Should be able to communicate effectively PM - Previous Experience (4+ years) in Product management mandatory Experience in Fintech desirable
About Credit Saison India:Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Job Location- New Delhi Roles & Responsibilities Candidates should have 15+ years of experience in Collections with good communication skills and digital orientation. Candidates should have a team management role for 5+ years. Experience of handling unsecured products (SME BL and PL) will be an added advantage. Expectations and Responsibilities: Managing the assigned portfolio by driving the collections team. Ensure implementation of Collections Strategies. Recruiting and Training In house as well as out bound teams. Identification and empanelment of Collection agencies to ensure proper collections coverage. Ensure field collection visits to customers for achieving resolution of allocated accounts. Responsible for achieving monthly targets and bucket wise resolution targets for the assigned region. Managing NPA and Cost of Collections for the Region. Ensure maximum recoveries by collaborating with other teams including Legal/Central collections. Achieve target collections of Charges and Late payment penalties. To regularly present the performance of the assigned Region to Senior Management. Ensure Collection Process and Legal guidelines are adhered to and Collections Code of Conduct is followed.
About Credit Saison: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Key Responsibilities: 1. Reporting & Visualization ○ Design, develop, and maintain Tableau dashboards for real-time monitoring of operational KPIs (e.g., turnaround time, efficiency, risk metrics). ○ Automate recurring reports to reduce manual efforts. 2. Data Analysis & Insights ○ Perform deep-dive analyses to identify bottlenecks, trends, and opportunities in operational workflows. ○ Translate findings into actionable recommendations for process improvements. 3. Cross-functional Collaboration ○ Partner with Central Analytics to align on data governance, metrics definitions, and advanced modeling needs. ○ Act as the bridge between Operations teams and Data Science for predictive analytics use cases (e.g., demand forecasting, risk scoring). 4. Data Integrity & Governance ○ Ensure accuracy and consistency of operational data by implementing validation checks in SQL/queries. ○ Document data lineage and key metric calculations. ○ Adhere to the policy & guidelines shared by Central Analytics/DS team related to Data governance and security Required Skills & Qualifications: Must-Have 2+ years of hands-on experience in: ● Tableau (dashboard development, calculated fields, parameters). ● SQL (complex joins, window functions, query optimization). ● Strong analytical mindset with ability to solve operations-specific problems (e.g., capacity planning, SLA adherence). ● Bachelor’s degree in Engineering, Math, or Statistics from a Tier 1/Tier 2 institute. ● Experience working with large datasets and ETL pipelines. Good-to-Have ● Python for data manipulation (Pandas, NumPy) and automation. ● Exposure to FinTech/Digital Lending (e.g., loan processing, fraud detection). ● Familiarity with statistical concepts (A/B testing, regression). Soft Skills ● Ability to communicate insights effectively to non-technical stakeholders. ● Proactive attitude to navigate ambiguity in a fast-paced environment. Education ● Graduation from a Tier I / II Institution.
As an Associate Director of Technology Operations at CS India, you will be responsible for leading technology operations and the Project Management Office (PMO) to drive efficiency, innovation, and business alignment. Your role will involve ensuring the smooth operation of enterprise technology systems, enhancing cross-functional collaboration, and implementing modern project delivery practices to accelerate business outcomes. Your key responsibilities will include overseeing and enhancing technology operations by fostering collaborative teams, optimizing processes, and ensuring security and compliance. You will develop and enforce technology governance frameworks, policies, and best practices aligned with industry standards, as well as ensure operational resilience through proactive risk management, incident response, and continuous improvement initiatives. Additionally, you will establish and lead an effective technology application support function, ensuring high availability and performance of critical business applications. You will implement robust incident and problem management processes to minimize downtime and drive long-term stability, leveraging automation and analytics to enhance monitoring, troubleshooting, and resolution efficiency. In terms of project management and delivery, you will lead the PMO, implementing Agile, Scrum, and SAFe methodologies to drive efficient and iterative project delivery. You will oversee end-to-end program execution by managing key deliverables, mitigating risks, and ensuring budget adherence. Furthermore, you will champion a culture of continuous improvement, driving enhancements in project governance, execution, and business alignment, and enable cross-functional collaboration between technology teams, business stakeholders, and external partners to deliver strategic initiatives. As a leader, you will build, mentor, and lead a high-performing team across technology operations and project management disciplines. You will foster a culture of innovation, accountability, and customer-centric service excellence, collaborating with senior leadership to align technology initiatives with business priorities and long-term goals. Moreover, you will optimize technology investments through strategic budget planning and cost management, and manage relationships with third-party vendors and service providers to ensure quality service delivery and value optimization. To qualify for this role, you should have a Bachelors or Masters degree in Technology, Engineering, Business Administration, or a related field, along with 10+ years of experience in technology operations and project management, including at least 3 years in a leadership role. You should have expertise in technology governance, enterprise systems, and service management, as well as a strong background in Agile, Scrum, SAFe, and modern project execution methodologies. Your proven ability to drive digital transformation, process optimization, and cross-functional collaboration, along with excellent leadership, strategic thinking, and stakeholder management skills, will be crucial for success in this position.,
About Credit Saison India Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Product Head for Data, Analytics and Platform - Director/Sr. Director Role Overview: The Product Head - Data and Analytics will lead the strategic development and execution of our data platform initiatives, ensuring they align with business goals and deliver measurable results. You will be responsible for defining product strategy, setting OKRs, and ensuring the successful execution of programs that drive the product roadmap. You will work cross-functionally with technical teams to integrate advanced analytics, machine learning, and AI capabilities into scalable data platforms. Key Responsibilities: Define and drive the strategic direction for data platforms, aligning technical initiatives with business goals and objectives. Set clear OKRs (Objectives and Key Results) for data platform development and ensure alignment across all teams (engineering, data science, analytics, etc.). Establish and enforce standards for planning, project management, execution, and documentation throughout the product lifecycle. Lead the design and implementation of scalable data pipelines, data lakes, and real-time analytics architectures, ensuring robust performance, security, and compliance. Collaborate with Data Science, Analytics, Platform, and AI teams to ensure seamless integration of machine learning models, predictive analytics, and AI technologies. Set and maintain high standards for project management, ensuring initiatives are delivered on time, within scope, and on budget, using Agile methodologies. Ensure thorough documentation of technical processes, product specifications, and architectural decisions to maintain transparency and scalability. Implement strong data governance and security protocols, ensuring compliance with relevant data protection regulations (GDPR, CCPA). Develop key performance metrics (KPIs) to assess the success of data products and continuously iterate for improvement. Mentor and lead product managers and technical teams, instilling a culture of ownership, innovation, and excellence in execution. Qualifications: BTech and/or MBA from top-tier colleges (e.g., IITs, NITs, ISBs, IIMs, or equivalent). 10+ years of experience in product management, with a focus on building data platforms and integrating advanced analytics. Proven track record in setting and executing strategic roadmaps, OKRs, and ensuring business alignment across teams. Deep understanding of cloud technologies (e.g., AWS, Azure) and familiarity with data frameworks (Hadoop, Spark, Kafka). Strong experience with data architectures (data lakes, data warehouses, NoSQL/SQL), data governance, and real-time data pipelines. Experience in integrating AI/ML models into data products and driving business intelligence (BI) initiatives (e.g., Tableau, Power BI). Solid program management expertise with the ability to lead cross-functional teams and deliver complex projects on schedule. Proven ability to set and maintain standards for planning, project management, and documentation to ensure high-quality execution. Knowledge of data governance frameworks and experience ensuring compliance with regulations like GDPR, CCPA. Excellent leadership, communication, and interpersonal skills, with the ability to engage and align technical and business stakeholders.
Selected Intern's Day-to-day Responsibilities Include Assist in HR processes such as employee data management, BGV, onboarding, and documentation Help streamline HR operations and improve process efficiencies Contribute to HR projects and reporting activities Collaborate with cross-functional teams to ensure smooth HR operations About Company: Credit Saison is on the path to solving the problem of financial lending in India. Join the coolest engineering team solving awesome fintech products in India. Learn and contribute to cutting-edge tech built by our extremely talented people. Develop and support software applications built on the state-of-the-art tech. Pick up new skills, transition roles, the sky is the limit at Credit Saison.
Job description Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. More about us on https://www.creditsaison.in Key Responsibilities: 1)Property & Legal Compliance: ● Sound knowledge of state-wise property laws, local bylaws, and regulatory requirements. ● Review Title Search Reports (TSR), title deeds, and chain documents of immovable properties. 2)Legal Due Diligence & Liaison: ● Coordinate with external legal counsel for title search reports, legal opinions, and property documentation. ● Ensure clear and marketable title of properties offered as collateral. 3)Field & Branch Coordination: ● Travel to locations/branches for physical verification, legal checks, and dispute resolution as needed. 4)Legal MIS & Documentation: ● Maintain Legal MIS (tracking cases, legal vetting, and documentation). ● Ensure compliance with internal legal policies and external regulatory norms. 5)Process & Policy Implementation: ● Assist in drafting and implementing legal policies in coordination with the credit team. ● Contribute to process improvements and policy frameworks related to lending & security documentation. Desired Candidate Profile: ● LLB qualified with 4-5 years of experience in Banks/NBFCs. ● Strong understanding of property laws, mortgage documentation, and title scrutiny. ● Ability to liaise with lawyers, local authorities, and internal teams. ● Willingness to travel as per business needs. ● Local candidates & immediate joiners preferred.
About Credit Saison India Established in 2019, Credit Saison India is one of the country's fastest-growing Non-Bank Financial Company (NBFC) lenders. Our verticals include wholesale, direct lending, and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Our tech-enabled model, combined with underwriting capability, allows us to facilitate lending at scale, addressing India's significant credit gap, particularly in underserved and underpenetrated segments of the population. Credit Saison India is dedicated to expanding as a lender and enhancing its offerings in India for the long term, focusing on MSMEs, households, individuals, and more. We are registered with the Reserve Bank of India (RBI) and hold an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Presently, Credit Saison India operates through a branch network of 45 physical offices, servicing 1.2 million active loans, managing an AUM of over US$1.5 billion, and employing approximately 1,000 individuals. As a part of Saison International, a global financial company with a vision to unite people, partners, and technology, Credit Saison India strives to develop resilient and innovative financial solutions for positive impact. Saison International, headquartered in Singapore, is committed to fostering opportunities and empowering individuals through its business arms of lending and corporate venture capital. With a team of over 1,000 employees spread across global operations in Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil, Saison International aims to be a transformative partner in fulfilling the aspirations of people.,
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Roles & Responsibilities: Define and drive the long-term AI engineering strategy and roadmap aligned with the company’s business goals and innovation vision, focusing on scalable AI and machine learning solutions including Generative AI. Lead, mentor, and grow a high-performing AI engineering team, fostering a culture of innovation, collaboration, and technical excellence. Collaborate closely with product, data science, infrastructure, and business teams to identify AI use cases, design end-to-end AI solutions, and integrate them seamlessly into products and platforms. Oversee the architecture, development, deployment, and continuous improvement of AI/ML models and systems, ensuring scalability, robustness, and real-time performance. Own the full AI/ML lifecycle including data strategy, model development, validation, deployment, monitoring, and retraining pipelines. Evaluate and incorporate state-of-the-art AI technologies, frameworks, and external AI services (e.g., APIs, pre-trained models) to accelerate delivery and enhance capabilities. Establish and enforce engineering standards, best practices, and observability tools (e.g., MLflow, Langsmith) for model governance, performance tracking, and compliance with data privacy and security requirements. Collaborate with infrastructure and DevOps teams to design and maintain cloud infrastructure optimized for AI workloads, including GPU acceleration and MLOps automation. Manage project timelines, resource allocation, and cross-team coordination to ensure timely delivery of AI initiatives. Stay abreast of emerging AI trends, research, and tools to continuously evolve the AI engineering function. Required Skills & Qualifications: 10 to 15 years of experience in AI, machine learning, or data engineering roles, with at least 8 years in leadership or managerial positions Bachelor’s, Master’s, or PhD degree from a top-tier college in Computer Science, Statistics, Mathematics, or related quantitative fields is strongly preferred. Proven experience leading AI engineering teams and delivering production-grade AI/ML systems at scale. Strong expertise in machine learning algorithms, deep learning, NLP, computer vision, and Generative AI technologies. Hands-on experience with AI/ML frameworks and libraries such as TensorFlow, PyTorch, Keras, Hugging Face Transformers, LangChain, MLflow, and related tools. Solid understanding of data engineering concepts, ETL pipelines, and working knowledge of distributed computing frameworks (Spark, Hadoop). Experience with cloud platforms (AWS, Azure, GCP) and container orchestration (Kubernetes, Docker). Familiarity with software engineering best practices including CI/CD, version control (Git), and microservices architecture. Strong problem-solving skills with a product-oriented mindset and ability to translate business needs into technical solutions. Excellent communication skills to collaborate effectively across technical and non-technical teams. Experience in AI governance, model monitoring, and compliance with data privacy/security standards. Preferred Qualifications: Experience building or managing ML platforms or MLOps pipelines. Knowledge of NoSQL databases (MongoDB, Cassandra) and real-time data processing. Prior exposure to AI in specific domains like banking, finance and credit experience is a strong plus. This role offers the opportunity to lead AI innovation at scale, shaping the future of AI-powered products and services in a fast-growing, technology-driven environment.
As an intern at Credit Saison, you will have the opportunity to immerse yourself in various HR processes to support the organization's objectives. Your responsibilities will include assisting in employee data management, background verification, onboarding procedures, and documentation tasks. By actively participating in these activities, you will play a vital role in ensuring the smooth functioning of HR operations. Moreover, you will be involved in the optimization of HR processes to enhance efficiency and effectiveness. Your contribution to HR projects and reporting initiatives will be crucial in driving strategic decision-making within the department. Additionally, collaborating with cross-functional teams will enable you to gain a holistic understanding of the organization's operations and foster seamless HR practices. Credit Saison is dedicated to revolutionizing financial lending in India and is seeking individuals who are passionate about fintech innovation. By joining our dynamic engineering team, you will have the opportunity to work on cutting-edge technologies and contribute to the development of innovative financial products. Our supportive environment encourages continuous learning and skill development, allowing you to explore new opportunities and reach new heights in your career journey. At Credit Saison, the possibilities are endless, and you are empowered to excel and grow within the organization.,
As an intern at Credit Saison, you will be responsible for assisting in various HR processes including employee data management, background verification, onboarding, and documentation. Your role will involve helping to streamline HR operations, identifying areas for process improvement, and contributing to HR projects and reporting activities. Additionally, you will collaborate with cross-functional teams to ensure the smooth functioning of HR operations. Credit Saison is dedicated to addressing the challenges of financial lending in India through innovative solutions. As part of our engineering team, you will have the opportunity to work on cutting-edge fintech products and learn from highly skilled professionals. You will be involved in developing and supporting software applications that leverage state-of-the-art technology. At Credit Saison, you can expand your skill set, explore new opportunities, and reach new heights in your career. Join us in our mission to revolutionize the financial industry in India.,
About Credit Saison India: Credit Saison India, established in 2019, is one of the fastest-growing Non-Bank Financial Company (NBFC) lenders in the country. With verticals in wholesale, direct lending, and tech-enabled partnerships with NBFCs and fintechs, Credit Saison India's tech-enabled model, along with underwriting capability, facilitates lending at scale, addressing India's significant credit gap, especially within underserved segments of the population. Committed to long-term growth as a lender in India, Credit Saison India serves MSMEs, households, individuals, and more. Registered with the Reserve Bank of India (RBI) and holding an AAA rating from CRISIL and CARE Ratings, the company has a branch network of 45 physical offices, 1.2 million active loans, an AUM exceeding US$1.5B, and an employee base of around 1,000 people. As part of Saison International, a global financial company, Credit Saison India aims to bring people, partners, and technology together to create resilient and innovative financial solutions for positive impact. With operations spanning across various countries, including Singapore, India, Indonesia, Thailand, Vietnam, Mexico, and Brazil, Credit Saison India is dedicated to transforming opportunities and enabling people's dreams. Roles & Responsibilities: Define and drive the long-term AI engineering strategy aligned with the company's business goals, focusing on scalable AI and machine learning solutions, including Generative AI. Lead, mentor, and develop a high-performing AI engineering team, fostering innovation, collaboration, and technical excellence. Collaborate with product, data science, infrastructure, and business teams to identify AI use cases, design end-to-end solutions, and seamlessly integrate them into products and platforms. Oversee the development, deployment, and continuous improvement of AI/ML models and systems to ensure scalability, robustness, and real-time performance. Manage the full AI/ML lifecycle, including data strategy, model development, validation, deployment, monitoring, and retraining pipelines. Evaluate and incorporate cutting-edge AI technologies, frameworks, and external AI services to enhance capabilities and accelerate delivery. Establish and enforce engineering standards, best practices, and observability tools for model governance, performance tracking, and compliance with data privacy and security requirements. Collaborate with infrastructure and DevOps teams to design and maintain cloud infrastructure optimized for AI workloads, including GPU acceleration and MLOps automation. Manage project timelines, resource allocation, and cross-team coordination to ensure timely delivery of AI initiatives. Stay updated on emerging AI trends, research, and tools to continuously evolve the AI engineering function. Required Skills & Qualifications: 10 to 15 years of experience in AI, machine learning, or data engineering roles, with at least 8 years in leadership or managerial positions. Bachelors, Masters, or PhD degree in Computer Science, Statistics, Mathematics, or related fields from a top-tier college is preferred. Proven track record of leading AI engineering teams and delivering production-grade AI/ML systems at scale. Expertise in machine learning algorithms, deep learning, NLP, computer vision, and Generative AI technologies. Hands-on experience with AI/ML frameworks such as TensorFlow, PyTorch, Keras, Hugging Face Transformers, LangChain, MLflow, and related tools. Strong understanding of data engineering concepts, ETL pipelines, and distributed computing frameworks like Spark and Hadoop. Experience with cloud platforms (AWS, Azure, GCP) and container orchestration (Kubernetes, Docker). Familiarity with software engineering practices, CI/CD, version control (Git), and microservices architecture. Strong problem-solving skills with a product-oriented mindset and the ability to translate business requirements into technical solutions. Excellent communication skills for effective collaboration across technical and non-technical teams. Experience in AI governance, model monitoring, and compliance with data privacy/security standards. Preferred Qualifications: Experience in building or managing ML platforms or MLOps pipelines. Knowledge of NoSQL databases (MongoDB, Cassandra) and real-time data processing. Previous exposure to AI in domains like banking, finance, and credit is advantageous. This role presents an opportunity to lead AI innovation at scale, shaping the future of AI-powered products and services in a rapidly growing, technology-centric environment.,
About Credit Saison India: Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Role Objective Own and manage end-to-end campaign execution for all lifecycle journeys – across loan activation, usage, repayment, and top-up/cross-sell. The primary goal will be to deepen customer engagement and improve business metrics such as activation rate, product stickiness, and customer lifetime value, using CRM-driven communication. Key Responsibilities ● Define, build, and deploy communication journeys aligned with key lifecycle stages: Post-disbursal onboarding, Pre-EMI reminders, repayment follow-ups, Top and cross-sell campaigns ● Own campaign design and deployment using Salesforce Marketing Cloud, define trigger logic, audiences, templates, and frequency. Build journeys across channels – SMS, WhatsApp, Email, Push. ● Monitor campaign performance: open rate, click rate, repayment %, bounce resolution %, top-up conversion, etc. ● Run A/B tests, track control vs. exposed cohorts, and iterate for performance lift. ● Work with Data Science, Product, Collections, and Customer Experience teams to integrate lifecycle requirements. ● Align campaign flows with operational changes (e.g., repayment cycles, product updates, regulatory norms). ● Partner with Tech/CRM to ensure data flows, tagging, and event integrations are in place. ● Monitor and optimize campaign performance. ● Responsible for end-to-end development and execution of customer communication journeys using behavioral hooks, customer intent signals, and lifecycle triggers to drive timely actions and habit formation across lending products. ● Identify actionable customer insights and translate them into targeted, insight-led campaigns that influence user behavior and improve lifecycle outcomes. Must-Have Experience & Skills ● 3–5 years of hands-on CLCM experience in an BFSI, preferably in lending products. ● Preferably have worked with the SME audience ● Deep familiarity with borrower lifecycle journeys and communication needs across credit stages. ● Strong command over Salesforce Marketing Cloud (Journey Builder, Automation Studio, Contact Builder). ● Experience managing multi-channel campaigns in regulated environments. ● Analytical mindset – can work with dashboards and data to make campaign decisions. ● Should be extremely collaborative, have good project management skills driven environment.