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.
- Solid 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

📌 DVP - Embedded Finance (Mumbai)
🏢 Creditsaison
📍 Mumbai