credit card bill payments growth

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.

as part of the credit card bill payments (ccbp) team at CRED, you'll be responsible for the overall growth of credit-card bill payments on the platform - the flow through which members pay their credit card bills (their own and others') via CRED. ccbp is one of the highest-frequency, highest-trust actions on the app, and directly compounds into CRED's growth and retention.

what will you 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.

What we’re 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.