Ai Senior Systems Engineer in India

About Paytm Lending Paytm’s Lending marketplace connects millions of consumers and merchant partners with top NBFCs and banks across Personal Loans, Merchant Loans, Postpaid, and Credit Cards. We build cutting-edge financial products powered by real-time risk modelling, seamless distribution, and high-volume transaction processing. Role Overview We are seeking an energetic, analytical, and business-focused Manager – Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios. You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency. Key Responsibilities 1. Revenue Modelling & Portfolio Economics - Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid). Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners. - Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening. 2. Business Partnering & Decision Support - Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches. - Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy. - Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation. 3. Financial Planning & Analysis (FP&A) - Lead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and q

Role : Program Manager Function: Personal Loans, Lending Location: [Noida / Mumbai] Experience: 3–6 years About the Role: We are hiring a Program / Category Manager to help drive Paytm's Personal Loans business. You will own a set of lending partners end-to-end; their volumes, their economics and their journey and be the connective tissue between Business, Product, Technology, Operations, Risk, Compliance, Finance and Marketing. This is a builder's role, not a coordinator's. You will be expected to find growth yourself: dig into the funnel, form a view on what is broken or under-exploited, build the business case, and then drive it to launch with the teams that can make it happen. The partners in this portfolio contribute a meaningful share of Paytm's monthly disbursals, so the decisions you make show up directly in the P&L. Key Responsibilities: - Own the AOP for your lending partners and drive the initiatives needed to deliver it month on month, not just at quarter end. - Build the forward view forecasts, scenario plans and the levers available if the base case slips. - Own the funnel end to end: stage-wise conversion, drop-offs, TATs and the specific reason codes behind each leak, from offer display through KYC, e-mandate, e-sign and disbursal. - Run cohort and vintage analysis to understand how different user segments, sources and offer constructs behave over time, and use it to shape targeting and offer strategy. - Design and run experiments: A/B tests on journeys, messaging, offers and routing and read the results honestly, including the ones that fail. - Build and maintain the dashboards and MIS that the business runs on, so that you and your stakeholders are always looking at the same, current, correct numbers. - Turn analysis into a recommendation. The deliverable is a decision with a number attached to it, not a deck of charts. - Drive end-to-end execution of strategic lending programs, delivered on time and against clearly defined business outcomes. -

About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Team Paytm Ads is the digital advertising platform of Paytm, enabling brands to reach and engage with over 350M+ users across Paytm’s ecosystem of 200+ payment, commerce, and retail services—both online and offline. By leveraging transaction signals and behavioral insights, Paytm Ads enables advertisers to target highly relevant consumer cohorts and deliver performance-driven campaigns. About the Role We are looking for a Manager – Product Analytics to drive data-led decision making across the Paytm Ads platform. This role works closely with Product, Data Engineering, Sales, and Operations teams to analyze product performance, user behavior, and campaign outcomes, translating data into actionable insights that improve advertiser and platform performance. Key Responsibilities: ● Build and maintain automated dashboards and BI reports for key product and revenue metrics. ● Write advanced SQL queries to analyze large datasets and generate actionable insights. ● Analyze product usage, funnels, retention, and feature adoption to identify growth opportunities. ● Conduct A/B testing, cohort analysis, and segmentation to measure product and campaign impact. ● Track and optimize digital marketing performance metrics such as CAC, ROI, CTR, and conversions. ● Translate business/product questions into structured analysis recommendations for stakeholders. Qualifications: ● B.E./B.Tech from a reputed engineering institute ● Experience in Product Analytics, Management Consulting, Business Strategy, or Sales/Marketing Analytics roles. ● Strong SQL expertise for large-scale data analysis and reporting. ● E

Title- Product Management - Lending About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Expectation: - Working closely with business, growth, design & cross-functional teams to understand product use cases, customer journeys, business applicability and impact of each use case. - Ability to understand different technology platforms, their features and be able to work with solution architects/engineering leads and write detailed product requirement documents, manage future roadmaps and deliverables - Own end-to-end product lifecycle for lending journeys – onboarding, credit decisioning, disbursement, repayment, and closure. - Define and optimize funnels to drive adoption, reduce drop-offs, and improve approval/disbursement rates. - Use data to identify bottlenecks, define hypotheses, run experiments (A/B), and track impact. - Be involved in what your team is building - Run edge cases, test products proactively and its features to provide feedback early in the cycle, make sure entire journeys are covered, and that product reporting exists to track KPIs for the product and its success (data-driven product management). - Use SQL or comparable query languages/excel etc to access, analyze, and validate data independently - Track key product and data metrics (OKRs and KPIs), adjusting strategies as needed for product optimization - Stay updated with RBI regulations, compliance norms, best industry practices and credit bureau practices. Superpowers that will help you succeed in this role: - Bachelor’s degree in engineering, computer science and/or related field with MBA from Top Tier colleges - Professional experience of 3-5 years in product management - Having deep underst

Position Summary: We are seeking an experienced and result-oriented IT Procurement Professional with 5-7 years of proven expertise for strategic sourcing and procurement of IT products and services. The ideal candidate will have strong expertise in procuring IT hardware, software, cloud services, SaaS applications, cybersecurity solutions, telecommunications, and professional services. The role requires end-to-end ownership of procurement activities, supplier relationship management, commercial negotiations, contract management, and stakeholder engagement while ensuring cost optimization, regulatory compliance, and procurement governance. Key Responsibilities: Strategic Procurement & Sourcing:  End-to-end procurement of IT hardware, software, cloud services, SaaS applications, cybersecurity solutions, telecommunications, data center infrastructure, and technology services.  Proven experience in procurement of IT infrastructure, software licensing, cloud platforms (AWS, Azure, Google Cloud), SaaS applications, cybersecurity solutions, telecommunications, and managed services.  Develop and execute category sourcing strategies aligned with business objectives and technology roadmaps.  Manage the complete sourcing lifecycle, including requirement gathering, market assessment, RFI/RFP/RFQ preparation, supplier evaluation, commercial analysis, negotiations, and contract award.  Drive competitive bidding and supplier selection to achieve optimum commercial and technical outcomes. Commercial & Contract Management:  Negotiate pricing, commercial terms, payment terms, SLAs, licensing models, support agreements, renewals, and long-term contracts.  Ensure timely execution of contracts in collaboration with Legal, Finance, Information Security, and business stakeholders.  Manage contract renewals, amendments, vendor obligations, and commercial risk throughout the contract lifecycle.  Deliver measurable cost savings while optimizing Total Cost of Ownership (TCO). Ve

Position Overview We are seeking a highly analytical and data-driven Payment Reconciliation Specialist / Analyst to oversee our end-to-end financial reconciliation processes. In this role, you will be responsible for managing high-volume transaction datasets, tracking payment lifecycles, and ensuring absolute financial accuracy across internal systems, payment gateways, and banking partners. The ideal candidate bridges the gap between finance and technology—possessing strong core accounting fundamentals alongside advanced technical skills in SQL and Python to drive automation, eliminate manual workflows, and optimize payment processing costs. Key Responsibilities 1. Core Payment & Financial Reconciliation End-to-End Auditing: Validate transaction records across internal systems, payment gateways (PGs), banking partners, settlement files, and merchant reports. High-Volume Data Analysis: Analyze massive transaction datasets to promptly identify mismatches, pending settlements, duplicate transactions, and financial exceptions. Chargeback Management: Monitor disputed transactions, track the complete chargeback lifecycle, validate reversal entries, and ensure accurate accounting adjustments/recovery. Finance & Accounting Support: Validate transaction postings, track pending receivables, manage refund accounting, handle merchant payout reconciliation, and assist with balance sheet reconciliation. 2. Cost Optimization & Reporting PG Cost Analysis: Monitor and analyze Payment Gateway costs (MDR charges, transaction processing fees, bank charges, gateway settlement fees) to identify cost-optimization opportunities. MIS & Dashboards: Prepare daily, weekly, and monthly MIS reports and design reconciliation dashboards for leadership, finance, and operations teams to support audit readiness. 3. Data Engineering & Process Automation SQL Data Extraction: Write complex SQL queries for reconciliation checks, exception reporting, and data validation across large transactional da

About Paytm Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Role Overview We are seeking a strong consumer facing Product Manager for the Merchant Lending team. This role demands solving for one of the most complex, nuanced but neglected problems in the broader financial services: Customer Experience. The ideal candidate should be a strong first principles thinker, comfortable with diving deep into data to uncover insights and should possess high customer empathy and knack for UI/UX design. Key Responsibilities - Design frictionless, intuitive digital journeys for merchants (onboarding, credit decisioning, KYC, disbursement, repayment, and closure). - Identify and eliminate drop-off points using funnel data and user feedback. - Develop a nuanced understanding of small business owners’ needs, anxieties, and motivations when borrowing. - Translate those insights into UI/UX that builds trust and reduces cognitive load. - Evangelize customer-first practices within the merchant lending space. - Ability to understand different technology platforms, their features and be able to work with solution architects/engineering leads and write detailed product requirement documents. Manage future roadmaps and deliverables. Use data to identify bottlenecks, define hypotheses, run experiments (A/B), and track impact. - Be involved in what your team is building: Run edge cases, test products proactively and its features to provide feedback early in the cycle, make sure entire journeys are covered, and that product reporting exists to track KPIs for the product and its success (data-driven product management). - Use SQL or comparable query languages/excel etc to access, analyze, and validate

About the Role: We are seeking an experienced Risk Management professional to lead and strengthen the organisation's Operational Risk and Outsourcing Risk Management framework. The role will be responsible for identifying, assessing, monitoring, and mitigating operational and third-party risks across payment products, merchant acquiring, cross-border payments, and outsourced business operations. The incumbent will work closely with business, operations, compliance, technology, audit, and leadership teams to ensure adherence to regulatory requirements, network guidelines, and internal risk policies. Key Responsibilities Operational Risk Management: Develop, implement, and enhance the Operational Risk Management (ORM) framework, including Risk and Control Self-Assessments (RCSAs), across the organisation. Identify, assess, monitor, and mitigate operational risks arising from payment operations, merchant onboarding, transaction processing, and customer servicing. Drive corrective action plans arising from RCSA findings and control gaps. Monitor Key Risk Indicators (KRIs), operational losses, incidents, and control effectiveness. Lead root cause analysis and remediation for operational risk events. Own SOP and policy lifecycle management — including drafting, versioning, and periodic review — for all operational risk policies and procedures. Outsourcing Risk Management: Manage end-to-end outsourcing risk governance for third-party vendors involved in KYC verification, PAN validation, customer onboarding, payment processing, and other critical functions. Maintain and operate a vendor categorisation framework (IT/Non-IT, critical/non-critical outsourcing) and ensure risk assessments are calibrated to vendor tier and exposure. Ensure compliance with RBI Outsourcing Guidelines, PA Master Directions 2025, and all applicable regulatory requirements. Conduct vendor due diligence, risk assessments, performance reviews, and periodic audits. Monitor SLA adherence, control ef

About Us: Paytm is India’s largest digital payments and financial services platform, leading the mobile QR revolution. We power millions of businesses and individuals, and we’re building scalable, resilient systems to serve half a billion Indians and beyond. Here at Paytm, technology isn't just about keeping up, it's about building the future. We believe the next generation of engineers must not only scale systems to billions but also leverage AI and GPT tools to accelerate innovation. Role Overview: We are seeking an experienced Data Protection and Privacy Manager, who will be responsible for overseeing the organization's data protection strategy and ensuring compliance with Indian laws such as the Information Technology Act, 2000, and the Personal Data Protection Bill. The DPPM will work closely with DPO and regulatory authorities to ensure that sensitive data is processed securely and ethically. This role is crucial in safeguarding our digital assets and maintaining compliance with industry standards and law. Key Responsibilities: 1. Legal Compliance: Ensure adherence to data protection laws, including local DPDPA, IT Act and international regulations like GDPR. 2. Policy Development: Formulate and implement data protection policies and guidelines across the organization. 3. Data Classification & Security: Well versed in managing the DSPM, DLP and PET technologies. 4. Data Breach Management: Investigate and report data breaches to relevant authorities within the stipulated timeframe. 5. Training & Awareness: Conduct training sessions for employees on data protection practices and raise awareness about privacy policies. 6. Impact Assessments: Perform Data Protection Impact Assessments (DPIA) to identify risks and recommend mitigation strategies. 7. Grievance Redressal: Act as the point of contact for data principals (individuals) for grievances related to data handling or privacy violations. 8. Recordkeeping: Maintain records of all data processing activities

About Paytm Group: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Role- Expectations/ Requirements: -Own marketing campaign operations & implementation design logic end to end in alignment with the marketing strategy decided upon -Own the monitoring and tracking of metrics useful for performance analyses of campaigns -Set up and run experiments on campaigns -Streamline operations for reduced errors and increased efficiency -Run root cause analyses and narrow down the cause(s) in cases of deviations from expected campaign behavior Superpowers/ Skills that will help you succeed in this role: -Familiarity with any CLM tool. Prior experience with CleverTap will be an added advantage. -Aptitude – good with logical reasoning, breaking down problem statements, and hypothesis formation and validation -Ownership – Own campaigns end to end from execution to assessment to accommodating learnings – the candidate should be interested in the role or else it will be difficult to gather ownership and excel -Previous experience in operations is preferred - not mandatory Why join us? A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average revenue per use by increasing the cross-sell opportunities A solid 360 feedback from your peer teams on your support of their goals Respect, that is earned, not demanded from your peers and manager Compensation: If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 17 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merc

About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Location- Noida / Bangalore / Mumbai Role Overview : The Campaign Operations Specialist will be responsible for end-to-end execution and optimization of advertiser campaigns on the Paytm Ads platform. This role sits at the intersection of ad operations, performance optimization, and client delivery, ensuring campaigns run flawlessly, meet KPIs, and drive measurable business outcomes. Key Responsibilities Campaign Setup & Execution ● Set up and launch managed service ad campaigns across Paytm ad inventory (primarily scratch cards). ● Configure targeting, budgets, bidding, creatives, and flighting based on client briefs. ● Ensure accurate tagging, tracking, and attribution setup. Campaign Monitoring & Optimization ● Monitor live campaigns for delivery, pacing, CTR, CVR, ROAS, and CPA. ● Perform ongoing optimizations on bids, targeting, creatives, and budgets to maximize performance. ● Identify and resolve delivery issues (under-delivery, drop in CTR, tracking gaps). ● Translate learnings into repeatable playbooks and SOPs. Reporting & Insights ● Prepare daily, weekly, and post-campaign reports for advertisers and internal stakeholders. ● Analyze performance trends and convert data into actionable insights and recommendations. ● Support QBRs and performance reviews with clear narratives and data storytelling. Client & Internal Collaboration ● Act as the operations SPOC for sales, account management, and product teams. ● Work closely with Sales to understand client objectives and translate them into executable media plans. ● Coordinate with creative, tech, and product te

About Us : Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm's mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Role : We are looking for an experienced Category Lead to define, build, and scale one of our categories from the ground up This is a high-impact, entrepreneurial role that combines category ownership, product thinking, business strategy, and cross-functional execution. The ideal candidate will have experience owning large business categories, driving growth, and building customer-centric products at scale. What You'll Do : - Own the end-to-end strategy, growth, and P&L of the category. - Design customer-first financing journeys where interest is charged only on the utilized amount, creating a flexible borrowing experience. - Identify new customer segments, use cases, and growth opportunities across merchants, D2C brands, SMEs, and digital businesses. - Drive category performance through data-led decision making, experimentation, and continuous optimization. - Monitor portfolio performance, customer adoption, profitability, and key business metrics. - Work closely with leadership to launch and scale new initiatives as part of Paytm's new venture. What We're Looking For : - 7-10 years of experience in Category Management, Product Ownership, Business Management, or General Management. - Strong experience owning and scaling a business category or product with measurable business impact. - Strong understanding of customer journeys, marketplace ecosystems, supply chain, logistics, merchant platforms, or financial products. - Demonstrated ability to manage large portfolios, drive business growth, and influence cross-functional teams. - Excellent analytical, stakeholder management, and problem-solving skills.

About Us Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. Location- Noida / Bangalore / Mumbai Role Overview The Campaign Operations Specialist will be responsible for end-to-end execution and optimization of advertiser campaigns on the Paytm Ads platform. This role sits at the intersection of ad operations, performance optimization, and client delivery, ensuring campaigns run flawlessly, meet KPIs, and drive measurable business outcomes. Key Responsibilities Campaign Setup & Execution ● Set up and launch managed service ad campaigns across Paytm inventory (Search Ads, Display, Native, Post-Transaction placements, Video where applicable). ● Configure targeting, budgets, bidding, creatives, and flighting based on client briefs. ● Ensure accurate tagging, tracking, and attribution setup. Campaign Monitoring & Optimization ● Monitor live campaigns for delivery, pacing, CTR, CVR, ROAS, and CPA. ● Perform ongoing optimizations on bids, targeting, creatives, and budgets to maximize performance. ● Identify and resolve delivery issues (under-delivery, drop in CTR, tracking gaps). Reporting & Insights ● Prepare daily, weekly, and post-campaign reports for advertisers and internal stakeholders. ● Analyze performance trends and convert data into actionable insights and recommendations. ● Support QBRs and performance reviews with clear narratives and data storytelling. Client & Internal Collaboration ● Act as the operations SPOC for sales, account management, and product teams. ● Work closely with Sales to understand client objectives and translate them into executable media plans. ● Coordinate with creative, tech, and product teams to resolve issues and improve c

Job Title: Data Analyst (Finance) Location: Noida / Gurgaon About the Role: We are looking for a Data Analyst with prior experience in a Finance team to help analyze financial data, track payments performance, and automate daily reporting. You will work closely with Finance, FP&A, and Product teams to drive data-backed financial decisions. Key Responsibilities: ● Dashboards & Reporting: Create and maintain Power BI/Tableau dashboards to track financial metrics like revenue, margins, transaction volumes, and operating costs. ● Data Analysis: Query large databases using SQL to understand transaction trends, cost structures, and profitability. ● Reconciliation & Auditing: Reconcile transaction data across banks, payment gateways, and accounting records to ensure accuracy. ● FP&A Support: Help Finance and FP&A teams with monthly closings, budgeting, variance analysis, and revenue forecasting. ● Process Automation: Automate routine financial reports using SQL and Python to reduce manual Excel work. What We Are Looking For: ● Experience: 2–4 years of experience as a Data Analyst within a Finance, Payments, or FinTech environment. ● Technical Skills: Strong proficiency in SQL and Excel. Visualisation dashboards or business intelligence tools (Tableau, Power BI etc) ● Finance Knowledge: Solid understanding of financial basics, profit & loss (P&L), payments/settlements, and unit economics. ● Education: Bachelor’s degree in Finance, Data Analytics, Engineering, Economics, or a related field.

About Us: Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the role: The candidate will be responsible for handling the Employee Query coming on the helpdesk ticket system and have to ensure the ticket closures within specific TAT. Responsibilities: Knowledge of MS Office/Advanced MS Excel Good communications skills Email etiquettes Internal team coordination and data management Desired Candidate : Should be very prompt over email/calls A candidate with good communication skills is preferred Basic Excel knowledge is preferred. Verbal and written communication in English Duration: Should be available for 6 months of Internship Education: Must be pursuing Graduation or Post Graduation Why join us: Merit-based culture that thrives on self-motivated & driven individuals who are set out to make a successful career in India’s fastest-growing Fintech Organization. Agile & democratic setup that gives space to your creativity, and offers the opportunity to work at scale coupled with an environment that encourages diverse perspectives at all times. Compensation: If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!