DVP - Embedded Finance

Credit Saison India; Mumbai Suburban; On-site; INR 3,000,000 - 5,200,000; Full time

Job summary

Credit Saison India in Mumbai seeks a Senior Manager / AVP — Embedded Finance & Strategic Partnerships to own partner relationships with 3–5 enterprises across e‑commerce, digital lending, and payments networks. You will lead CXO-level discussions, shape risk/commercial frameworks, and monitor credit cost, approval rates, and portfolio quality while collaborating with Risk, Product, Tech, and Collections.

Requirements include 5–8 years in embedded finance or fintech partnerships and a Bachelor's

Qualifications

• 5–8 years of experience in embedded finance, digital lending, fintech partnerships, or BFSI strategic alliances.
• Bachelor's degree required; MBA or equivalent postgraduate qualification preferred.
• Strong analytical and MIS skills; able to build and defend a performance narrative from data.

Responsibilities

• Own day-to-day relationships with 3–5 enterprise partners across e-commerce, investment platforms, telecom, and payment networks.
• Lead select CXO-level partner conversations and contribute to risk framework design.
• Perform first-pass diligence on borrower risk profile and business fit for new opportunities.
• Collaborate with Risk on underwriting segmentation and monitor portfolio quality.
• Own analytics and reporting for credit cost, approval rates, and disbursal performance.
• Support product extensions and top-up opportunities within the existing book.
• Prepare quarterly Board and credit committee presentations with data and narrative.
• Manage a small team and coordinate cross-functional squads with Credit, Product, Tech, and Collections.

Skills

Embedded finance

Digital lending

Fintech partnerships

CXO conversations

Analytical skills

MIS reporting

Team management

Board presentations

Education

Bachelor's degree

MBA

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

• 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.
• 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.
• 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.
• 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.
• 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