DVP - Embedded Finance

Credit Saison India; Bengaluru; On-site; INR 3,500,000 - 6,500,000; Full time

Job summary

Credit Saison India is seeking a Senior Manager/AVP for Embedded Finance & Strategic Partnerships. You will own key partner relationships, contribute to risk and product co-design, and drive performance narratives for leadership.

In this role, you will manage a small team, work closely with Risk and Product, and stay abreast of regulatory developments impacting embedded finance and co-lending partnerships. Mumbai-based, high-visibility role with senior stakeholder exposure.

Qualifications

• Experience in embedded finance, digital lending, or BFSI partnerships.
• Experience owning CXO-level discussions and senior stakeholder conversations.
• Strong MIS and analytics to translate data into leadership narratives.

Responsibilities

• Own day-to-day relationships with 3–5 enterprise partners across e-commerce, investment platforms, telecom, and payment networks.
• Lead CXO-level partner conversations and contribute to bespoke commercial and risk framework design.
• Track credit cost, approval rates, and disbursal performance against targets.
• Manage monthly/quarterly MIS for the vertical and support Board presentations.
• Lead a small cross-functional squad spanning Credit, Product, Technology, and Collections to deliver partner outcomes.

Skills

Partner relationship management

Data analysis

MIS reporting

Credit risk concepts

Cross-functional leadership

Education

Bachelor's degree

MBA or equivalent

Job description

Senior Manager / AVP — Embedded Finance & Strategic Partnerships

Function: Embedded Finance & Digital Lending | Reports to: Vice President — Embedded Finance & Strategic Partnerships

Location: Mumbai

What You'll Own

Partner & Enterprise Relationship Management

• Own day-to-day relationships with 3–5 enterprise partners across e-commerce, investment platforms, telecom, and payment networks — the primary point of contact for commercial and operational issues.
• Support and independently lead select CXO-level partner conversations, contributing to bespoke commercial and risk framework design for new and existing partnerships.
• Identify and evaluate inbound partnership opportunities, doing first-pass diligence on borrower risk profile and business fit before escalating recommendations to the VP.

Credit, Risk & Product Co-design

• Work closely with Risk leadership on underwriting segmentation — tracking approval rate movements, credit cost bands, and portfolio quality across partner cohorts.
• Own the analytics and reporting layer that tracks credit cost, approval rates, and disbursal performance against target bands (e.g. the 1.8–2.2% credit cost range).
• Support design and rollout of product extensions such as top-up programmes, identifying incremental volume opportunities within the existing book.

Business Performance & P&L Support

• Own monthly and quarterly MIS for the vertical — disbursals, revenue, CAC, and credit cost — and translate the numbers into a clear performance narrative for leadership.
• Support the VP in preparing quarterly Board and credit committee presentations, including data consolidation, trend analysis, and slide narrative.
• Track partner-wise and product-wise contribution margin, flagging deviations early.

Team & Cross-functional Leadership

• Directly manage 1–2 team members and coordinate a cross-functional squad spanning Credit, Product, Technology, and Collections to keep partner deliverables on track.
• Act as the escalation point for operational issues raised by partners or internal stakeholders, resolving independently where possible and escalating with context where not.

Market & Regulatory Awareness

• Stay current on embedded finance and co-lending regulatory developments (including RBI FLDG guidelines) and flag implications for existing or prospective partnerships.
• Represent Credit Saison at industry forums and partner-facing events as needed.

What We're Looking For

• 5–8 years of experience in embedded finance, digital lending, fintech partnerships, or BFSI strategic alliances, with direct exposure to consumer credit products (personal loans, credit lines, BNPL).
• Demonstrated experience owning partner relationships end-to-end, including some exposure to CXO-level or senior stakeholder conversations.
• Working fluency in credit and risk concepts — approval rates, credit cost, portfolio quality — and comfort partnering closely with Risk teams.
• Strong analytical and MIS skills; able to build and defend a performance narrative from raw numbers.
• Prior experience managing a small team or cross-functional squad, ideally in a matrix environment.
• Structured communicator, comfortable preparing content for senior leadership and Board-level audiences.
• Bachelor's degree required; MBA or equivalent postgraduate qualification preferred.