DVP - Embedded Finance

Kisetsu Saison Finance (India) Private Limited; Mumbai; On-site; INR 4,500,000 - 7,500,000; Full time

Job summary

Credit Saison India in Mumbai seeks a Senior Manager/AVP for Embedded Finance & Strategic Partnerships. You will own partner relationships with 3–5 enterprises across e-commerce, fintechs, telecom, and payments, and lead CXO-level conversations to shape commercial and risk frameworks.

You will work with Risk on underwriting segmentation, track metrics like credit cost and approval rates, manage MIS and board presentations, and build a small cross-functional team to deliver high-impact

Qualifications

• 5–8 years in embedded finance, digital lending, fintech partnerships, or BFSI strategic alliances.
• Experience owning partner relationships end-to-end, including CXO-level conversations.
• Fluent in credit and risk concepts and working with Risk teams.

Responsibilities

• Own relationships with 3–5 enterprise partners across ecommerce, fintechs, telecom, and payments.
• Lead CXO-level partner conversations and design risk/ commercial frameworks.
• Evaluate inbound partnership opportunities and perform first-pass diligence.
• Collaborate with Risk on underwriting segmentation and monitor metrics.
• Own analytics for credit cost, approval rates and disbursal performance.
• Assist product with extensions like top-up programmes.
• Prepare MIS and board/credit committee presentations.
• Direct a small cross-functional team and coordinate cross-department delivery.
• Stay updated on RBI FLDG guidelines and regulatory developments.

Skills

Enterprise relationship management

CXO-level conversations

Analytical thinking

MIS reporting

Team leadership

Communication to leadership

Education

Bachelor’s degree

MBA or equivalent postgraduate qualification

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

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.