DVP - Embedded Finance

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