Manager - Direct (Top Ups & Cross-Sell)

About Credit Saison IndiaEstablished in 2019, Credit Saison India (CS India) is one of the country’s fastest growing Non-Bank Financial Company (NBFC) lenders, with verticals in wholesale, direct lending and tech-enabled partnerships with Non-Bank Financial Companies (NBFCs) and fintechs. Its tech-enabled model coupled with underwriting capability facilitates lending at scale, meeting India’s huge gap for credit, especially with underserved and under penetrated segments of the population.Credit Saison India is committed to growing as a lender and evolving its offerings in India for the long-term for MSMEs, households, individuals and more. Credit Saison India is registered with the Reserve Bank of India (RBI) and has an AAA rating from CRISIL (a subsidiary of S&P Global) and CARE Ratings.Currently, Credit Saison India has a branch network of 80+ physical offices, 2.06 million active loans, an AUM of over US$2B and an employee base of about approx ~2000 employees. Credit Saison India is part of Saison International, a global financial company with a mission to bring people, partners and technology together, creating resilient and innovative financial solutions for positive impact. Across its business arms of lending and corporate venture capital, Saison International is committed to being a transformative partner in creating opportunities and enabling the dreams of people.Saison International is the international headquarters (IHQ) of Credit Saison Company Limited, founded in 1951 and one of Japan’s largest lending conglomerates with over 70 years of history and listed on the Tokyo Stock Exchange. The Company has evolved from a credit-card issuer to a diversified financial services provider across payments, leasing, finance, real estate and entertainment. Based in Singapore, Saison International’s global operations span over Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil, with active investments in debt, equity, corporate venture capital, and technology. Candidate will be the primary responsible for driving incremental growth from our existing customer base for Personal Loan and Business Loan Top UpsCore ResponsibilitiesData-Driven Targeting: Partner with the Analytics team to build propensity models and utilization triggers.Campaign Management: Oversee end-to-end execution of multi-channel campaigns (WhatsApp, SMS, Email, App Push, and Tele-calling) to drive top-up conversions.Risk & Policy Alignment: Collaborate with the Risk department to define /"Pre-Approved/" and /"Pre-Qualified/" criteria, ensuring portfolio health remains within guardrails while scaling.Funnel Optimization: Constant A/B testing of communication hooks, UI/UX journeys to promote DIY journey , and offer constructs (e.g., interest rate resets vs. processing fee waivers).P&L Accountability: Own the monthly and quarterly targets for AUM growth specifically derived from the internal base and the Cost of Acquisition (COA) for these loans.Key Performance Indicators :Penetration Rate- of the eligible internal base converted for a Top-UpAUM Contribution- Total book value generated from the internal baseConversion Rate- lead-to-disbursement efficiencyUnit Economics- Reduction in COA compared to external sourcing channelsPortfolio Quality- Delinquencies to be within the defined threshold

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