Risk Operations

**what is CRED?**

CRED is an exclusive community for India’s most trustworthy and creditworthy individuals, where the members are rewarded for good financial behavior. CRED was born out of a need to bring back the focus on a long lost virtue, one of trust, the idea being to create a community centered around this virtue. a community that constantly strives to become more virtuous in this regard till they finally scale their behavior to create a utopia where being trustworthy is the norm and not the exception. to build a community like this requires a community of its own; a community special in its own way, working towards making this vision come true.

here’s a thought experiment: what do you get when you put a group of incredibly passionate and driven people and entrust them with the complete freedom to chase down their goals in a completely uninhibited manner? answer: you get something close to what we have at CRED; CRED just has it better.

here’s what will be in store for you at CRED once you join risk operations team.

**what will you do**:
- driving the overall time bound risk operational activities and its KPIs, activities involving policy execution/underwriting, portfolio reporting, etc
- developing, implementing and governing KPIs reporting for the portfolio of programs (risk, collections, partner), providing visibility to the milestones and performance across all activities
- managing multiple stakeholders (internal and external) for ensuring end objective delivery requiring frequent communication, organization/time management and problem solving skills
- identifying and setting up new processes by working with multiple cross-functional teams
- designing SOPs and metrics of the new processes being set up
- driving continuous improvement culture by identifying process gaps, automating manual error points and creating monitoring and corrective controls
- leading business critical high impacting activities and ensures they are delivered within planned timelines and with expected measurable output
- supporting team members as-needed to improve processes, provide project intervention and coaching, etc
- updating SOPs and metrics basis performance analysis of the running processes, support in team tech architecture revamp/upgradation.- 2-4 years of ops experience in NBFCs/Fintechs with strong stakeholder management experience
- 2 years of min experience working with tech and risk teams
- experience managing prioritization, risk tasks keeping user experience and business requirements in the picture
- track record of employee development (including an emphasis on selection and retention)
- ability to build relationships and influence others without authority
- ability to identify gaps and communicate with tech, product, risk, business, and leadership
- proficiency in excel, google sheets, SQL, tableau, databricks
- strong written and verbal communication skills

**how is life at CRED?**

working at CRED would instantly make you realize one thing: you are working with the best talent around you. not just in the role you occupy, but everywhere you go. talk to someone around you; most likely you will be talking to a singer, standup comic, artist, writer, an athlete, maybe a magician. at CRED people always have talent up their sleeves. with the right company, even conversations can be rejuvenating. at CRED, we guarantee a good company.

hard truths: pushing oneself comes with the role. and we realise pushing oneself is hard work. which is why CRED is in the continuous process of building an environment that helps the team rejuvenate oneself: included but not limited to a stacked, in-house pantry, with lunch and dinner provided for all the team members, paid sick leaves and a comprehensive health insurance.

to make things smoother and to make sure you spend time and energy only on the most important things, CRED strives to make every process transparent: there are no work timings because we do not believe in archaic methods of calculating productivity, your work should speak for you. there are no job designations because you will be expected to hold down roles that cannot be described in one word. since trust is a major virtue in the community we have built, we make it a point to highlight it in the community behind CRED: all our employees get their salaries before their joining date. a show of trust that speaks volumes because of the skin in the game.

there are many more such eccentricities that make CRED what it is but that’s for one to discover. if you feel at home reading this, get in touch.