merchant payments engineering manager

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

technology orientation

delivery orientation

people management

you should apply if you

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

Operational Excellence, Java, Go, Fault Tolerance, Agile Methodologies, Distributed Systems