Credit Card Bill Payments Growth
CRED · Posted Sep 24
Credit card bill payment, rewards, lending, and financial management services
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About the role
CRED is hiring for its Credit Card Bill Payments (CCBP) growth charter, owning the key input levers of member acquisition, resurrection, multi-card adoption, and bill-pay funnel conversion. The role sits at the intersection of growth strategy, category management, merchandising, and experimentation — translating category strategy into campaigns, experiments, and personalization models built with product and data science teams. It demands a data-driven operator who can run multiple cross-functional initiatives across Marketing, Rewards, Product, and Risk.
What you will do
- own key input levers of the ccbp business - acquisition and resurrection of members paying credit card bills, and multi-card adoption - deep-diving on metrics and diagnosing drop-offs to course-correct performance.
- track and report on these levers daily/weekly/monthly, owning monthly planning and flagging deviations early.
- exercise judgment on when to resolve issues independently vs. escalate, and anticipate recurring problem patterns before they hit the numbers.
- own execution across the bill-pay funnel (discovery, reminders, payment, retry/failure), building preventive and reactive interventions to lift conversion.
- translate broader category strategy into concrete campaigns, experiments, and milestones you can ship and measure.
- own merchandising for ccbp on and off app - home page assets, cross-sell placements, communication plans.
- design and run campaigns (offers, cashback, reward mechanics) to drive adoption and repeat usage, optimizing spend for roI rather than just reach.
- focus on reducing friction and building payment confidence — low-cost engagement over short-term yield maximization.
- run a constant experimentation cadence (A/B/multivariate testing) to find growth inflection points, and productize what works into the core journey.
- partner with product and data science teams to build personalization models (due-date prediction, smart nudges, next-best-card-to-pay) that increase throughput.
- bring clear, data-backed narratives to cross-functional discussions (Marketing, Rewards, Product, Risk) to align on priorities and unblock execution.
Skills used in this role
What the employer is looking for
- 4–7 years of experience in user growth/ category management roles, with prior ownership of high-frequency consumer transaction/payment categories or 3-5 years of experience in management consulting, investment banking, growth strategy, corporate strategy, or fintech strategy roles.
- data-driven mindset — comfortable analyzing data to form hypotheses, identify opportunities, and measure experiment success.
- track record of driving growth initiatives end-to-end (ideation → execution → measurable impact) at a consumer-first company.
- high ownership and bias for action in a fast-paced, ambiguous, agile environment.
- strong program/project management skills - able to run multiple cross-functional initiatives (product, marketing, risk, ops) simultaneously with attention to detail.
Benefits and support
- Compensation and benefits are detailed in the job posting
About CRED
CRED is an Indian financial technology platform that rewards individuals for timely credit card bill payments and offers curated financial products, lending, and lifestyle services. Built as a members-only community for users with high credit scores, the platform expands into wealth management, insurance, and e-commerce checkouts. Headquartered in Bengaluru, it plays a prominent role in digital payments and credit management across India.
- Industry
- Fintech
- Company size
- 1001-5000 employees
- Founded
- 2018
- Location
- Bengaluru, Karnataka, India
- Funding stage
- Series H
Funding
Series H · $2.38B raised
- 2026-06-22Series H$900M
- 2025-05-11Venture Round$72M
- 2022-06-09Series F$140M
- 2021-10-20Series E$251M
Leadership
Founder
Interim CEO
Recent coverage
Fintech Futures
CRED to raise ₹8,550 crore (~US$900M) from Meta2026-06-23
CRED Press Release
New AI coach from CRED enables members to proactively manage and improve their credit scores2026-06-25
CRED Announcements
Cash by CRED: a new app for the creditworthy to borrow prudently2026-06-09
CRED Press Release
RBI authorizes CRED to operate as a payment aggregator2026-03-11