Location: Bengaluru (in-office) Experience: 3+ years Function: Growth / Business — reports to Co-founder
About Credfix
Credfix is an AI-first debt management and resolution platform helping distressed borrowers across India understand, negotiate, and resolve their debt. We serve a massive, underserved market — millions of borrowers in Tier 2/3 India stuck between aggressive collections and zero guidance — with a WhatsApp-first, vernacular-friendly product. We are seed-funded and scaling fast.
The Role
At Credfix, a category is a user cohort — borrowers segmented by delinquency stage, credit profile, and resolution intent. Each cohort behaves differently: how they discover us, what they'll pay for, how they convert, and how they resolve. As Category Manager, you will own one or more of these cohorts end-to-end — from acquisition to monetization to resolution outcomes — and be accountable for its P&L.
This is a full-stack ownership role: part growth manager, part business owner, part product thinker.
What You'll Own
Cohort P&L
- Own revenue, contribution margin, CAC, and LTV for your cohorts
- Decide where to spend, what to price, and which sub-segments to double down on or cut
- Build and defend a monthly cohort business plan with the founders
Funnel
- Own the full funnel for your cohorts: lead → opt-in → activation → conversion → retention/resolution
- Diagnose drop-offs at each stage and drive fixes with marketing, product, and ops
- Run pricing, offer, and messaging experiments; scale what works
Acquisition
- Partner with performance marketing on targeting, creative direction, and landing/WhatsApp flows tuned to your cohort
- Own channel mix decisions (paid, outbound, partnerships, referrals) for your category
Insight & Product Feedback
- Become the company's deepest expert on your cohort — their financial situation, psychology, objections, and triggers
- Talk to users regularly; translate insight into funnel changes and product asks
- Define what resolution success looks like for your cohort and instrument it
Who You Are
- 3+ years in growth, category management, P&L ownership, or business roles at a consumer internet, fintech, or lending company
- You've owned a number before — revenue, GMV, conversion, or margin — and can walk us through how you moved it
- Strongly analytical: comfortable in SQL/Excel, fluent in funnel math, CAC/LTV, and cohort analysis
- High agency and bias to action — you unblock yourself, run experiments weekly, and don't wait for a playbook
- Empathy for users in financial distress; comfort working with Hindi/vernacular-speaking users in Tier 2/3 markets is a plus
- Bonus: experience in lending, collections, credit, or subscription monetization
Why Join
- Own a real P&L — rare at any stage, rarer at 3–5 years of experience
- Work directly with the founders on a category-defining problem in Indian fintech
- Meaningful ESOPs and a front-row seat to a 0→1→scale journey
- Build for a user base that genuinely needs what you're making
