StashFin - Business Head - Credit Card Bill Payments

About the role:

Credit card bill payment is one of the highest-frequency, highest-intent financial behaviours in India - and one of the sharpest signals of a customer's credit profile. Stashfin is building it as a revenue line in its own right and as a strategic acquisition channel into lending.

You will own that business: build it, monetise it, and scale it.

What you will own:

- P&L ownership. Build and own the credit card bill payments P&L from the ground up - revenue, cost per transaction, contribution margin and path to breakeven.

- Business model design. Define the monetisation model - convenience fees, MDR economics, float, cross-sell value - and the pricing architecture that makes it defensible.

- Growth and scale. Own acquisition, activation, repeat rate and transacting user growth. Set the marketing and distribution strategy in partnership with the growth function.

- Partnerships and rails commercials. Own relationships and commercials across BBPS, card networks (Visa, Mastercard, RuPay), issuing banks and payment gateways. Negotiate rates, expand coverage, enforce uptime.

- Portfolio linkage. Convert bill payment behaviour into qualified credit demand for the lending business, with measurable, attributed contribution.

- Cross-functional direction. Set the agenda for product, engineering, data science, risk, compliance and operations against your business outcomes.

- Team building. Build the team required to run the line as it scales.

What you need:

- 814 years total experience, including 35 years owning a P&L, business vertical or revenue line in payments, cards or bill payments.

- Demonstrated 01 business building - something you launched, monetised and scaled, with numbers attached.

- Working knowledge of BBPS, card network rails and payment gateway commercials.

- Strong commercial and unit-economics fluency; you own the model, not finance.

- Track record of negotiating with banks, networks and aggregators.

- Experience leading cross-functional teams without direct authority over all of them.

Good to have:

- Consumer lending or credit product exposure.

- Experience with reconciliation, settlement and dispute handling at scale.