credit strategy management

lending business – lending /
full time /
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

CRED is the largest digital lender in the country today. we are rewriting the script on digital lending.  
you will apply your strategic and analytical skills to building the next generation of lending products in the country. you'll team up with world-class professionals to develop and test strategies that ultimately impact the bottom line and you will do it all in a collaborative environment that values your insight, encourages ownership, insists on compounding and rewards the audacious

what will you do?

    • own P&L outcomes and develop business strategies that will drive growth, profitability, and competitive success for CRED in the face of shifting consumer and regulatory demands
    • work closely with world class product teams to develop and implement new product and pricing strategies for various lending products
    • lead product level modelling/ analytics to drive step-change improvements in credit risk performance by connecting drivers of future consumer credit trends to historical behaviour and test hypotheses using rigorous monitoring and analysis

you should apply if you:

    • have a proven track record of decision making and problem solving based on analytics
    • have conceptual thinking skills complemented by strong quantitative orientation, given that a large part of the business is based on rigorous analytic marketing & credit risk management
    • have a successful track record of thriving in a fast paced, entrepreneurial and dynamic environment.  are a tenacious decision maker with the ability to bring a healthy, aggressive, yet responsible approach to business
    • have previous consulting or banking/investments or relevant credit risk experience (as a plus)
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, 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.