credit card bill payments growth

Job description

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<p>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.</p>
<p>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.</p>
<p>here's what will be in store for you at CRED once you join the team.</p>
<p>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.</p>
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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.

Interview problems reported for Cred

Reported by candidates and public write-ups, not by Cred. Practise each one here:

• Longest Repeating Character Replacement — Medium