on deck payments - new opportunities
CRED
Bengaluru, Karnataka, India
Posted on Jan 5, 2026
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.
As part of the new opportunities – on-deck payments team, you will be responsible for identifying, validating, and incubating new monetisation and engagement opportunities across CRED’s payment ecosystem. you will combine market understanding, financial analysis, and user insights to build business cases and shape zero-to-one proofs of concept (pocs).Your work will influence the future roadmap of how CRED expands its payment stack, builds value for members, and unlocks high-quality revenue streams.
As the business category lead for utility bill payments & recharge, you will own the end-to-end strategy, growth, and p&l for one of CRED’s most important engagement categories. this role is responsible for step-change growth — scaling the category 2–3× by making utility payments and recharges a habit-forming, low-friction, and high-frequency use case for CRED members. the mandate is not short-term monetisation, but maximising active transacting members at the lowest cost to serve, while building a compliant, resilient, and scalable business.
As part of the new opportunities – on-deck payments team, you will be responsible for identifying, validating, and incubating new monetisation and engagement opportunities across CRED’s payment ecosystem. you will combine market understanding, financial analysis, and user insights to build business cases and shape zero-to-one proofs of concept (pocs). your work will influence the future roadmap of how CRED expands its payment stack, builds value for members, and unlocks high-quality revenue streams.
what you will do
- continuously scan the financial services and payments ecosystem to identify whitespace opportunities across monetisation, new payment flows, member behaviour, and merchant problems.
- evaluate new categories, business models, regulatory tailwinds, and competitive landscapes to build a long-term opportunity pipeline.
- conduct structured market sizing, benchmarking, and thematic deep-dives to identify compelling ideas worth pursuing.
- build robust business cases for high-potential opportunities, including revenue models, unit economics, feasibility assessments, risk mapping, and expected impact.
- conduct sensitivity modelling, scenario planning, and bottom-up sizing to determine attractiveness and prioritisation.
- work cross-functionally with product, finance, compliance, and growth teams to pressure-test assumptions.
- convert approved business cases into structured PoCs with clear objectives, metrics, and timelines.
- work with product and design teams to define experiments, prototype flows, and validate hypotheses via user behaviour, controlled rollouts, or merchant pilots.
- measure performance of experiments, evaluate outcomes, and recommend scale / pivot / kill decisions with clarity.
- conduct diligences similar to consulting/IB workflows — competitive benchmarking, financial analysis, partner evaluation, and risk-return assessments.
- evaluate potential partnership opportunities with banks, NBFCs, fintechs, and service providers.
- build executive-ready documents with clear insights, hypotheses, and recommendations.
- work closely with product, risk, compliance, engineering, and business teams to ensure feasibility and regulatory alignment of new ideas.
- influence stakeholders using structured analysis, clear storytelling, and first-principles reasoning.
- drive clarity in ambiguous spaces and bring order to zero-to-one problem statements.
- 3-8 years of experience in management consulting, investment banking, growth strategy, corporate strategy, or fintech strategy roles.
- strong exposure to financial services, digital payments, or fintech business models.
- proven experience working on opportunity evaluations, market studies, financial modelling, and diligences.
- ability to think from first principles, break down complex problems, and structure ambiguous spaces.
- strong analytical and presentation skills — comfortable with data, modelling, and storytelling.
- high bias for action and comfort with fast-paced, experiment-driven environments.