Payment 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 as a part of the team

**what you will do**:
- own the merchant payouts process for the CRED Rewards & Store charter end-to-end
- manage MIS — compiling costs, revenues, and driving actionable insights for the business P&L
- extract and analyze data to uncover trends and enable decision-making
- set up SOPs, streamline processes, and ensure smooth execution across payouts and reconciliation workflows
- liaise closely with the finance team to ensure timely merchant payment clearance
- validate invoices, payables, and receivables with thorough checks
- be the single point of contact (SPOC) for merchants on reconciliation and drive timely resolutions for queries
- coordinate with finance on GST, TDS, TCS and other compliance-related aspects
- work with multiple teams — partnerships, legal, operations, and product — to drive seamless execution and business outcomes- possess at least 2-3 years of work experience in payments, operations or finance functions
- have a basic understanding of SQL
- have meticulous attention to detail and do not shy away from large data sets
- have a knack for digging deep to find data driven insights
- are willing to bring your best to work consistently and diligently
- are able to think and react in a high-energy, fast-paced environment
- thrive with high ownership independently in a dynamic environment

**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.