AVP - Accounts

About Credit Saison India

Established in 2019, 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. CS 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, CS India has a branch network of 45 physical offices, 1.2 million active loans, an AUM of over US$1.5B and an employee base of about 1,000 people.

Credit Saison India (CS 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.

Based in Singapore, over 1,000 employees work across Saison’s global operations spanning Singapore, India, Indonesia, Thailand, Vietnam, Mexico, Brazil.

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 entertainments.

Role Overview

• Accounts Payable Operations and Supervision

Oversee end-to-end AP operations: vendor onboarding, invoice processing, three-way matching, approvals, payments, and reconciliations

Ensure accurate, timely processing and month-end and year-end close support

Supervise, coach, and develop the AP team; set performance goals and manage workload and capacity

Manage escalations, exceptions, and vendor disputes

• Control, Compliance, and Risk

Maintain strong internal controls, including segregation of duties, approval matrices, and delegation-of-authority adherence

Ensure compliance with applicable regulations, tax requirements (e.g., TDS, GST), and internal policies

Prevent and detect duplicate payments, errors, and fraud through preventive and detective controls

Act as the primary contact for internal audit, statutory audit, and regulatory queries related to Accounts Payable

• Automation and Process Transformation

Define and execute the Accounts Payable automation roadmap to reduce manual touchpoints and improve processing times

Evaluate, select, and implement tools such as OCR/intelligent invoice capture, workflow automation, and RPA

Partner with IT, Finance Systems, and vendors on implementation, testing, and change management

Track ROI and benefits realization from automation initiatives

• Governance and Scalability

Establish AP policies, SOPs, and exception-handling protocols

Define KPIs and SLAs, and report performance regularly to senior management

Build capacity-planning and contingency models to absorb anticipated volume growth

Drive continuous improvement and standardization across the function

• Stakeholder Experience

Serve as the single accountable point of contact for business functions and key vendors

Improve transparency through dashboards, status tracking, and clear communication

Gather stakeholder feedback regularly and act on it to improve service quality

• Reporting and Analytics

Provide MIS on payables, ageing, accruals, cash-flow forecasts, and vendor spend

10 to 15 years in finance operations, with 3+ years leading an Accounts Payable or P2P function

Experience in asset management, financial services, or another regulated environment (preferred)

Demonstrated track record of delivering AP automation or process-transformation projects

Experience managing audits and strengthening control frameworks