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)
🏢 Credit Saison India
📍 Mumbai