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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

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. Key Responsibilities: 1. Conduct Ethics Investigations: Conduct thorough and unbiased investigations into alleged ethical violations, ensuring all relevant information is collected and analyzed. This includes interviewing relevant parties, reviewing documentation, and gathering evidence. 2. Evaluate and Analyze Findings: Analyze investigation findings to determine the severity and impact of ethical violations. 3. Maintain Confidentiality: Handle all investigations with the utmost confidentiality and discretion, ensuring that sensitive information is protected. Adhere to privacy policies and legal requirements when handling and sharing investigation findings. 4. Develop Investigation Plans: Develop comprehensive investigation plans, including timelines, interview schedules, and evidence collection strategies. 5. Collaborate with Stakeholders: Work closely with HR, legal, and senior management to ensure alignment of investigation processes and outcomes with organizational policies and objectives. Provide guidance and support to stakeholders throughout the investigation process. 6. Report and Document Findings: Prepare detailed investigation reports that clearly document the findings, analysis, and recommended actions. Qualifications: ● Bachelor's degree in a related field (e.g., law, ethics, CA, MSW etc) required; advanced degree preferred. ● Proven experience in conducting ethics investigations, preferably in a leadership role. ● Strong knowledge of ethical principles, regulations, and industry best practices. ● Excellent analytical and problem-solving skills, with the ability to

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 Summary We are looking for a high-ownership Central Growth manager to drive measurable monetization outcomes across the Paytm consumer app. This role will own the “growth & monetization levers to increase ARPU, engagement, and category adoption, while maintaining tight ROI discipline. You will work cross-functionally with Product, Data Science, Marketing, and Ops to identify the highest ROI opportunities, build scalable offer frameworks, and improve conversion across key discovery journeys. The mandate is to build a stronger, more profitable consumer growth business. Key Responsibilities 1) Own app monetization outcomes (ARPU + engagement) Drive consumer monetization KPIs: ARPU uplift, conversion to paid/monetized actions, repeat usage, category adoption, and engagement depth Identify growth pockets across categories (e.g., RU, bill pay, commerce, travel, financial products) and scale what works. 2) Traffic strategy & allocation (maximize ROI) Build a traffic allocation strategy across app surfaces and journeys to maximize incremental ARPU and engagement Partner with DS/Product to create routing/next-best-action models and run continuous optimization via experiments Manage trade-offs across categories (where to push, when to hold, and how to protect user experience). 3) Monetization-led cross-sell (embed in discovery journeys) Scale new cross-sell avenues by embedding monetization hooks in high-frequency moments Improve funnel steps: message clarity, eligibility communication, UX friction reduction, and conversion rates. 4) Experimentation engine & growth ops Run structured experimentation: hypothe

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