AVP - Accounts

Kisetsu Saison Finance (India) Private Limited; Mumbai; On-site; INR 4,000,000 - 6,000,000; Full time

Job summary

Credit Saison India is seeking an experienced Accounts Payable leader to oversee end-to-end AP operations and supervise the AP team across branches. The role emphasizes strong controls, regulatory compliance, and collaboration with business functions to ensure accurate processing and timely payments.

You will define the automation roadmap, drive process transformation using OCR/RPA tools, and monitor KPIs and SLAs to support scalable growth for the NBFC lender in a fast-paced environment.

Qualifications

• 10–15 years in finance operations with 3+ years leading AP/P2P.
• Experience in asset management or regulated environments preferred.
• Track record in AP automation or process transformation projects.

Responsibilities

• Oversee end-to-end AP operations including onboarding, processing, three-way matching, approvals, payments, and reconciliations.
• Maintain internal controls, tax compliance (e.g., TDS, GST), and audit readiness.
• Define and drive AP automation roadmap; evaluate OCR and RPA tools.
• Develop policies, KPIs, SLAs; drive scalability and standardization.
• Serve as main contact for business units and vendors; improve transparency.
• Provide MIS and analytics on payables, ageing, cash flow forecasts.

Skills

Accounts Payable leadership

AP automation

Internal audit coordination

Regulatory compliance

Tools

OCR tools

RPA tools

ERP systems

Job description

About Credit Saison India

Established in 2019, CS India is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. CS India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people. Credit Saison India (CS India) is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainments.

Role Overview

• 1. Accounts Payable Operations and Supervision Oversee end-to-end AP operations: vendor onboarding, invoice processing, three-way matching, approvals, payments, and reconciliations Ensure accurate, timely processing and month-end and year-end close support Supervise, coach, and develop the AP team; set performance goals and manage workload and capacity Manage escalations, exceptions, and vendor disputes
• 2. Control, Compliance, and Risk Maintain strong internal controls, including segregation of duties, approval matrices, and delegation-of-authority adherence Ensure compliance with applicable regulations, tax requirements (e.g., TDS, GST), and internal policies Prevent and detect duplicate payments, errors, and fraud through preventive and detective controls Act as the primary contact for internal audit, statutory audit, and regulatory queries related to Accounts Payable
• 3. Automation and Process Transformation Define and execute the Accounts Payable automation roadmap to reduce manual touchpoints and improve processing times Evaluate, select, and implement tools such as OCR/intelligent invoice capture, workflow automation, and RPA Partner with IT, Finance Systems, and vendors on implementation, testing, and change management Track ROI and benefits realization from automation initiatives
• 4. Governance and Scalability Establish AP policies, SOPs, and exception-handling protocols Define KPIs and SLAs, and report performance regularly to senior management Build capacity-planning and contingency models to absorb anticipated volume growth Drive continuous improvement and standardization across the function
• 5. Stakeholder Experience Serve as the single accountable point of contact for business functions and key vendors Improve transparency through dashboards, status tracking, and clear communication Gather stakeholder feedback regularly and act on it to improve service quality
• 6. Reporting and Analytics Provide MIS on payables, ageing, accruals, cash-flow forecasts, and vendor spend

Experience

Experience 10 to 15 years in finance operations, with 3+ years leading an Accounts Payable or P2P function Experience in asset management, financial services, or another regulated environment (preferred) Demonstrated track record of delivering AP automation or process-transformation projects Experience managing audits and strengthening control frameworks.

About Credit Saison India

At Credit Saison India, we are driven by Innovation, Inclusion, and Integrity to create a meaningful Impact. As one of India's fastest-growing NBFC lenders, our mission is to bridge the credit gap and transform lives by empowering underserved communities. Our journey is fueled by a team of 1,400+ employees across 80+ branches, with an AUM of over $2 billion. Join us and help build a brighter financial future for millions across the country. Established in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population. Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings. Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about 1,400 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people. Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology.