About WeRize

India's first social distribution AI fintech platform for the underserved aspirational middle-class- delivering Secured & Unsecured loans, Insurance, and Investment products across 5,000+ small cities of India (referred as India-2). Founded in 2019, WeRize is at an annualized-run-rate of $60 Mn (Gross revenues) and $32Mn (Net) and $7Mn+ of net profits before taxes (3x Y-o-Y growth) with ROE > 20%. We are projecting ~2x growth in topline and ~3x growth in profits over the next 12 months.

WeRize operates as a “category creator” three-sided marketplace connecting 17,000+ trained local freelancers with India-2 customers and partner financial institutions, all powered by a full stack AI operating layer that creates a “flywheel of trust” with self-reinforcing network effects.

• Distributor trust: Freelancers are empowered through AI-led tools that help them act in the long-term best interests of their customers.

• Customer trust: End customers rely on WeRize’s assisted distributor, data-driven recommendations across both asset and liability products

• Manufacturer trust: Financial Institutions rely on WeRize’s data, risk management and distribution intelligence to reach small city customers that they can’t serve on their own.

Key highlights: What do we do

1. Large, underpenetrated market opportunity: India’s 300Mn+ aspirational middle class captures ~30% of GDP, yet remains financially underserved across credit, insurance, and investments. Pure-digital models lack the required trust, while physical branches are economically unviable.

2. Differentiated, asset-light social distribution: WeRize leverages 17,000+ financially literate freelancers across 5,000+ small cities. This branchless, zero-sales-team model delivers high-trust human touchpoints, superb unit economics, and strong freelancer retention through a broad product suite.

3. Proprietary AI driven tech stack: Trained on 20Bn+ data points across 4Mn+ households, WeRize’s AI powers end-to-end operations. For distribution, it optimizes lead gen, selling, and engagement—turning freelancers into professional advisors. For manufacturing, it sharpens risk management, underwriting, and product structuring for high-margin expansion.

Role Description:

We are seeking an experienced, strategic, and execution-focused leader to head our Fixed Deposit backed Credit Card (FDCC) division as Director / Senior Director.. In this role, you will be P&L responsible for building, scaling, and managing the end-to-end FDCC product line. You will drive business growth, forge strategic bank/SBM/fintech partnerships, oversee risk & operations, and streamline customer journeys across acquisition, underwriting, issuance, and lifecycle management.

Key Responsibilities:

1. Business Strategy & P&L Ownership

• Own the P&L, key performance metrics (AUM, Spends, Active Users, CAC, LTV), and growth roadmap for the FDCC business.

• Design and execute innovative go-to-market (GTM) strategies to acquire new-to-credit (NTC), credit-rebuilder, and secured-card customer segments.

• Structure product constructs, rewards programs, interest rates, and lien-marking mechanisms to maximize customer value and unit economics.

Bank Partnerships & Alliances

• Lead relationships with co-branding partners, issuer banks, NBFCs, credit bureaus, and payment networks.

• Negotiate commercial terms, service-level agreements (SLAs), and integration workflows with banking and technology partners.

3. Operations & Customer Experience

• Oversee end-to-end operational workflows: FD creation, lien-marking/unlien mechanisms, instant digital card issuance, billing, collections, and FD liquidation.

• Partner with Product and Engineering teams to build seamless, 100% digital, and frictionless onboarding journeys (Video KYC, e-sign, instant credit limit assignment).

• Maintain high operational SLAs, low dispute rates, and superior customer satisfaction (NPS).

4. Risk, Credit & Compliance • Collaborate with Credit Risk to define secured underwriting policies, credit limit utilization ratios, and auto-lien enforcement rules. • Ensure strict adherence to RBI/regulatory guidelines regarding credit cards, FD creation, data privacy, and co-branding norms. • Oversee anti-money laundering (AML), fraud control, and audit compliance across the FDCC lifecycle.

5. Team Leadership & Stakeholder Management

• Build, mentor, and lead a high-performing team across business development, product operations, and partner management.

• Work closely with Cross-Functional Teams (Marketing, Tech, Risk, Legal, Compliance, Customer Service) to drive organizational alignment.

Required Qualifications & Experience

• Education: MBA / Master’s degree or equivalent professional experience.

• Experience: 12 to 18+ years of total experience in Fintech, Banking, or Financial Services, with at least 5+ years in a senior leadership role within Credit Cards, Consumer Lending, or Secured Lending products.

• Direct experience with secured credit products, FD-backed cards, or co-branded card programs is strongly preferred.

• Deep domain knowledge of credit card operations, payment network, core banking systems (CBS) integrations, and RBI regulations.

Key Skills & Competencies

• Strategic Vision & P&L Management: Proven track record of scaling a lending/card product from launch to high volume.

• Banking Partner Management: Demonstrated ability to work with and influence senior leadership at partner banks and payment networks.

• Process & Operations Excellence: Deep understanding of operational workflows (lien-marking, instant KYC, clearing, collections, and dispute management).

• Analytical & Data-Driven: Strong capability in analysing funnels, portfolio metrics, risk indicators, and customer behavioural data.