Job Description

CRED is a members-only platform that rewards creditworthy individuals for their responsible financial behavior. The Merchant Payments team at CRED builds and operates an (in-principle) RBI-approved Payment Aggregator. With a comprehensive charter that supports payments not only for CRED but also for external merchants through CRED Pay, we are building one of the largest payment aggregators in the country by value - processing lakhs of crores in transactions every year. Our focus on prudent risk management, robust technology infrastructure, regulatory compliance, and seamless partner integrations - while navigating the scale, complexity, and regulatory rigor of the payments ecosystem - positions us to redefine the payment experience for both merchants and users.
Key impact areas of the role

• define and drive the technology strategy for CRED's merchant payments products and horizontal platform capabilities, positioning the division as scalable.
• you will make critical technology strategy decisions on build vs. buy for merchant payments infrastructure, balancing speed of execution with long-term scalability and platform thinking.
• your responsibility extends to establishing industry-leading technology practices for building resilient, compliant systems that can handle complex workflows, and real-time transaction processing at scale.
• You will integrate and harmonize multiple systems across the ecosystem - spanning merchant onboarding, checkout, payment processing, and post-payment experiences such as refunds, chargebacks, settlements, and reconciliation - to build a comprehensive payments platform.
• you will be responsible for building and leading a high-caliber engineering team (10+ engineers) steering the team towards building world-class, technology-driven solutions.

here's what will be in store for you at CRED once you join the team
organizational leadership * understands the big picture & impact of day-to-day decisions on business, product outcomes & customer experience.

• sets the right direction for the engineering team and leads by example in building scalable platforms.
• align & inspire the team to gravitate towards the shared vision of building a robust platform powering some of the critical business for CRED like, lending, credit card bill payments etc.
• enable agility to respond to product changes, regulatory requirements, and market dynamics effectively.
• innate ability to be trusted by cross-functional teams including risk, compliance, business, and external partners.

technology orientation * creates a culture that enables technology to catalyze solving complex problems and enhancing the customer experience.

• ensure the best engineering practices are adopted for building high-volume transaction processing systems with strong consistency and reliability guarantees.
• hands-on with technology stack and tools, and can lead by example in architectural decisions.
• works closely with architects to choose the right technology stack & ensure RASP (reliability, availability, scalability & performance) characteristics.
• apply the first-principles approach to solving complex technology problems, including workflow orchestration, state management, and integration challenges.

delivery orientation * drives results & focuses on outcomes that directly impact business metrics and customer satisfaction.

• responsible for timeliness and quality of deliverables across pods like merchant onboarding, payment processing, post payments etc.
• communicates effectively and keeps internal stakeholders (risk, compliance, business, product) and external partners updated on progress.
• anticipate problems in complex workflows and unblock the team proactively.

people management * mentor & coach the team on both technical excellence and understanding of payments domain complexities.

• actively engage with the team and help build their career path.
• manage conflicts proactively and provide timely feedback in a fast-paced environment.
• motivate, inspire, recognize & reward good performance while maintaining high standards for platform reliability.

you should apply if you

• possess 8+ years experience (with 1+ years of experience being an engineering leader managing teams of 6-8 engineers).
• exhibit strong competencies in software design & architecture with deep understanding of scalability for high-volume transaction processing systems.
• proficiency in Java or Go with experience in building distributed systems and microservices architecture.
• are experienced in agile methodologies and have led cross-functional teams in complex product development.
• have experience building platforms that integrate with multiple external systems and handle complex workflows.
• have the ability to make decisions independently under ambiguity and navigate technical trade-offs effectively.
• are able to lend structure to complex technical problems and break them down into executable roadmaps.
• have the ability to communicate and manage internal and external stakeholders effectively in a regulated environment.
• demonstrate strong understanding of system reliability, fault tolerance, and operational excellence for mission-critical financial systems.
• have experience with cloud platforms (AWS) and modern architecture patterns.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

Skills Required