Unit Head – Credit Line on UPI

Role Summary

The Unit Head will own the end-to-end business performance of the Credit Line on UPI (CLoU) portfolio. This includes growth strategy, acquisition funnels, partner ecosystem management, monetisation, unit economics, and lifecycle optimization.

The role is deeply P&L-oriented;, requiring strong cross-functional collaboration with product, risk, operations, finance, and partner-bank teams to drive scalable and sustainable business outcomes.

Key Responsibilities

- Business Growth & Strategy
- Own overall business performance for Credit Line on UPI—including lines created, active users, activation %, throughput, and revenue generation.
- Craft the go-to-market (GTM) strategy across target customer segments (merchant & consumer), use cases, and distribution channels.
- Develop and execute strategies to grow P2M adoption, repeat usage, frequency, and wallet share.
- Evaluate market trends, competitive landscape, and regulatory context to shape business priorities.
- Ensure predictable, controllable growth aligned with portfolio health and partner expectations.
- Partner & Ecosystem Management
- Manage relationships with partner LSPs, PSPs, TPAPs, distribution partners, and ecosystem players.
- Drive partner onboarding, integration planning, scale-up, and ongoing performance management.
- Align incentives, revenue models, and commercial structures to optimise partner throughput and profitability.
- Lead governance forums with partners—reviewing business volumes, operational issues, funnel leakages, risk metrics, and revenue outcomes.
- Ensure reliable and high-performing partnerships that enable predictable business scaling.
- Acquisition & Post-Acquisition Ownership
- Work with growth, marketing, product,



and channel partners to optimise acquisition funnels end-to-end.
- Identify drop-off points across onboarding, activation, and early-usage stages; drive initiatives to improve activation and engagement.
- Own lifecycle interventions post-acquisition—nudges, journeys, campaigns, and partner-led programs to improve usage and repeat transactions.
- Drive funnel improvements that translate into higher active base, improved retention, and stronger unit economics.
- Revenue, Monetisation & Unit Economics
- Own all monetisation levers including interchange, MDR, interest income, late fees, and partner-linked revenue streams.
- Analyse and manage CAC, cost-to-serve, collection efficiency, risk-adjusted contribution margin, and overall P&L; sustainability.
- Balance growth with portfolio quality, working closely with Risk teams to maintain controlled delinquency and financial discipline.
- Build revenue forecasts, P&L; models, and commercial scenarios for planning and partner negotiations.
- Ensure strong visibility into revenue performance, profitability, and economic drivers across customer cohorts.
- Data, Analytics & Performance Management
- Monitor dashboards tracking lines created, activations, active users, repeat usage, transaction value, risk metrics, and revenue.
- Identify performance patterns and proactively address early-warning signals related to risk, conversion, or partner issues.
- Lead business reviews with leadership, presenting insights, strategic decisions, and data-driven action plans.
- Drive controlled experiments, pilots, and A/B tests to unlock new segments, use cases, and monetisation opportunities.
- Use analytics to forecast performance, optimise growth levers, and improve portfolio profitability.

📌 Unit Head (Mumbai)
🏢 Yes Bank
📍 Mumbai