Design Methodology in India

About Paytm Paytm is a pioneer of digital payments in India, serving over 450 million consumers and 45 million merchants across payments, financial services, and commerce. Over the years, Paytm has built deep in-house capabilities across technology, data, and operations to operate at scale with high reliability. About the role We're looking for product managers who think deeply about consumers and move fast. You'll own a meaningful area of product used by a large and diverse set of Indian consumers, making decisions that show up in people's hands within weeks. This is a role for builders who treat ambiguity as opportunity. What you'll do You'll own the strategy and execution for your product area end to end — from identifying the right problem to shipping and iterating. You'll spend real time understanding users (not just reading research decks), translate insight into crisp product bets, and partner closely with design, engineering, and business to ship. You'll be measured on outcomes, not output, and you'll be expected to drive your area with minimal hand-holding. What we're looking for ● 3–8 years of experience, ideally in entrepreneurship, building consumer products or top-tier consulting. ● Strong consumer intuition — you have opinions about why products work, and you can defend them with both logic and evidence. ● High agency. You define the problem, find the path, and get it done without waiting for permission. ● Sharp analytical and structured thinking, balanced with a bias for action. ● Comfort operating in a fast-paced, high-ownership environment where speed and judgment both matter. Why this matters You’ll be at the cutting edge of tech and finance. You'll build for one of the largest and most diverse consumer bases in the world, ship at scale and at pace. The problems are hard, the impact is immediate, and the autonomy is real. Why join us? ● A collaborative output driven program that brings cohesiveness across

About Us Paytm is India's payment Super App offering consumers and merchants the most comprehensive payment services. As the pioneer of the mobile QR payments revolution in India, today, Paytm stands as India’s largest payment company by Users, Merchants, Payment Transactions, and Revenue. Paytm’s mission is to drive financial inclusion in India and bring half a billion Indians into the mainstream economy through technology-led financial Services. Paytm enables commerce for small merchants and distributes various financial services offerings to its consumers and merchants in partnership with financial institutions. Paytm has been a pioneer in the merchant space by introducing innovative solutions like QR codes to accept payments and Sound-box to reconcile payments via voice alerts. We are also distributing loans to these partners via our ‘Paytm for Business’ App. About The Team Paytm Intelligence is building next-generation AI platforms across two key areas: AI inference infrastructure and agentic AI solutions. Our focus is on enabling enterprises to move from AI experimentation to production-grade deployment with measurable business outcomes. In the agentic AI space, we are building solutions such as Outreach Manager, CLM agents, and domain- specific AI agents that automate complex customer journeys across sales, service, and operations. These systems go beyond traditional chatbots, orchestrating workflows, decisions, and actions across enterprise systems. About the Role We are hiring an AI Agentic Solutions Architect to drive enterprise adoption of AI-powered workflow automation. This role sits at the intersection of business process transformation, AI systems, and enterprise sales. You will work directly with enterprise customers to understand their workflows, identify automation opportunities, and design agentic solutions that deliver measurable outcomes such as cost reduction, conversion uplift, and improved customer experience. Key Responsibilities Customer

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. Role Overview We are seeking a Database STL (Individual Contributor) with deep expertise in MySQL and strong working knowledge of MongoDB, PostgreSQL, and Cassandra. This role combines hands-on database administration and optimization with strategic ownership of database reliability, automation, and cloud adoption. The candidate will lead by example—driving technical excellence, influencing best practices, and partnering cross-functionally with DevOps, SRE, and product engineering teams to deliver highly available, secure, and scalable database platforms. Key Responsibilities 1. End-to-End Ownership of MySQL databases in production & staging—availability, performance, and reliability. 2. Architect, manage, and support MongoDB, PostgreSQL, and Cassandra clusters for scale and resilience. 3. Define and enforce backup, recovery, HA, and DR strategies across all critical database platforms. 4. Drive database performance engineering—tuning queries, optimizing schemas, indexing, and partitioning for high-volume workloads. 5. Own replication, clustering, and failover architectures ensuring business continuity. 6. Champion automation & AI-driven operations—design self-healing scripts, predictive scaling, and proactive monitoring solutions. Collaborate with Cloud/DevOps teams on AWS database services (RDS, Aurora, DynamoDB, EC2, S3) to optimize cost, security, and performance. 7. Establish monitoring dashboards & alerting mechanisms for slow queries, replication lag, deadlocks, and capacity planning. Ensure compliance & security standards—encryption, auditing, and regulatory requirements. 8. Lea

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 Paytm Paytm is a pioneer of digital payments in India, serving over 450 million consumers and 45 million merchants across payments, financial services, and commerce. Over the years, Paytm has built deep in-house capabilities across technology, data, and operations to operate at scale with high reliability. About the role We're looking for product managers who think deeply about consumers and move fast. You'll own a meaningful area of product used by a large and diverse set of Indian consumers, making decisions that show up in people's hands within weeks. This is a role for builders who treat ambiguity as opportunity. What you'll do You'll own the strategy and execution for your product area end to end — from identifying the right problem to shipping and iterating. You'll spend real time understanding users (not just reading research decks), translate insight into crisp product bets, and partner closely with design, engineering, and business to ship. You'll be measured on outcomes, not output, and you'll be expected to drive your area with minimal hand-holding. What we're looking for ● 3–8 years of experience, ideally in entrepreneurship, building consumer products or top-tier consulting. ● Strong consumer intuition — you have opinions about why products work, and you can defend them with both logic and evidence. ● High agency. You define the problem, find the path, and get it done without waiting for permission. ● Sharp analytical and structured thinking, balanced with a bias for action. ● Comfort operating in a fast-paced, high-ownership environment where speed and judgment both matter. Why this matters You’ll be at the cutting edge of tech and finance. You'll build for one of the largest and most diverse consumer bases in the world, ship at scale and at pace. The problems are hard, the impact is immediate, and the autonomy is real. Why join us? ● A collaborative output driven program that brings cohesiveness across

About the Role We are looking for a powerhouse Head of Go-To-Market (GTM) / Growth to own the entire commercial launch and expansion strategy for our product. This isn't a traditional, siloed marketing or sales role—this is a unified, high-impact position designed for a strategic leader who views marketing, launch mechanics, demand generation, and sales enablement as a single, continuous motion. As a product goes live, you will literally be the person who takes the product to market. If you possess a rare blend of sharp marketing instincts and a commercial sales mindset, this role is built for you. Key Responsibilities Your mission is simple yet challenging: bridge the gap between product readiness and market dominance.  The Launch Mastermind: Own the end-to-end launch strategy for our product. You will define the positioning, messaging, and rollout phases to ensure maximum impact on day one.  Unified GTM Execution: Treat marketing, demand gen, and sales enablement not as separate departments, but as a single, cohesive engine.  Demand Generation: Design, execute, and scale data-driven inbound and outbound campaigns that build a robust, high-converting pipeline.  Sales Enablement: Arm the sales team with the exact tools, collateral, competitive intelligence, and playbook they need to close deals faster.  Cross-Functional Leadership: Work hand-in-hand with Product, Engineering, and Executive leadership to align market feedback with product roadmaps. What We Are Looking For  The Sales & Marketing Contour: You don't just sit in a marketing silo or a sales bullpen. You deeply understand the psychology of the buyer (Marketing) and the mechanics of closing a deal (Sales).  Launch Experience: You have a proven track record of successfully launching new products or entering new markets from scratch, preferably in a fast-paced environment.  Data-Driven Builder: You are comfortable working with analytics, attribution models, and CRM data to optimize the funnel contin

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

Role : Associate Product Manager 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 Our Story Join the Recharges & Bill Payments Product team at Paytm which touches millions of users daily across 26+ categories including Mobile Recharges, Electricity Bills, DTH, Credit Card Bills and FASTag. As a team, we operate at the intersection of scale, reliability, and innovation, constantly reimagining how India pays its bills. You'll be part of a fast-paced, data-driven environment with end-to-end ownership, where every experiment and product improvement directly impacts user experience for millions. If you're excited about solving complex problems at scale and building for Bharat, this is the place for you. Expectations/Requirements : · Own the end-to-end product lifecycle for key categories under Recharges & Bill Payments — from user pain-point discovery to solution design, rollout, and optimization. Work closely with design, engineering, analytics, and business teams to build intuitive, reliable, and scalable product experiences used by millions daily. Prioritize ruthlessly in a high-volume environment, balancing user needs, business impact, and tech constraints. Drive growth through thoughtful experimentation, funnel optimization, and user retention strategies. Build a deep understanding of our users across segments and geographies — especially Bharat users — and translate insights into product strategy. Bring in first principles thinking to challenge assumptions and reimagine how India pays its bills. Superpowers/ Skills that will help you succeed in this role: · 2-5 years of product management experience, ideally in consumer tech, fintech, or large-scale pr

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 About Team Paytm's Unified Payments Interface (UPI) offering that enables users to make instant bank-to-bank payments directly from their linked bank accounts. About the Role We are looking for an AI Product Manager to lead the development of Agentic AI solutions for Paytm's UPI ecosystem. The role focuses on building intelligent, autonomous AI agents that enhance payment experiences, automate customer support, detect fraud, provide personalized financial insights, and optimize payment success rates. Key Responsibilities -Define product strategy and roadmap for AI-powered UPI experiences. -Build autonomous AI agents for payments, dispute resolution, customer assistance, and transaction recommendations. -Collaborate with Engineering, Data Science, Design, and Risk teams to deliver AI-first products. -Leverage LLMs, AI agents, and workflow automation to improve user engagement and operational efficiency. -Drive experimentation using analytics, customer insights, and A/B testing. -Ensure compliance with NPCI guidelines, privacy, and responsible AI practices. Superpowers/ Skills that will help you succeed in this role: · -3–8 years of Product Management experience in FinTech, Payments, or AI products. -Understanding of UPI, digital payments, and banking ecosystems. -Experience with Generative AI, LLMs, Agentic AI frameworks, and AI product development. -Strong analytical skills with SQL and product analytics tools. -Excellent stakeholder management and execution capabilities. Why join us: A collaborative output driven program that brings cohesiveness across businesses through technology Improve the average r

Paytm Money is building the next generation of wealth management and investment products for India. As a Growth, Process & Data Specialist at the, you will sit at the intersection of analytics, CRM, and growth strategy - owning the data infrastructure and intelligence layer that powers our user acquisition, engagement, and retention campaigns. This is a high-ownership, cross-functional role where you will independently drive cohort analytics, campaign attribution, CLTV modelling, and business review reporting, while acting as the primary bridge between the CRM and Data teams. Key Responsibilities - Own end-to-end cohort analytics across the user lifecycle - acquisition, activation, engagement, and churn - and translate insights into actionable growth strategiesDesign and maintain user scoring models (engagement, propensity-to-invest, churn risk) to enable intelligent segmentation and personalised CRM campaignsBuild and manage data pipelines and Looker Studio dashboards to provide self-serve reporting for growth, CRM, and leadership teamsDevelop and iterate on multi-touch campaign attribution models and Customer Lifetime Value (CLTV) frameworks to measure ROI and guide retention investmentDefine audience segments, trigger logic, and data contracts for CRM automation tools (Seller Panel / CleverTap or equivalent) to enable precise, data-driven campaign executionCreate and own structured PowerPoint decks for weekly, monthly, and quarterly business reviews - synthesising data into crisp narratives for leadership and cross-functional stakeholdersDrive standardised processes for campaign planning, data QA, A/B test design, and performance reporting across the growth function Who We're Looking For 3–6 years of experience in growth analytics, CRM analytics, or a data specialist role, preferably in fintech, consumer internet, or BFSI Strong hands-on proficiency in SQL & dashboards, with demonstrated experience building cohort analyses, funnel analytics, and behavioural se

Position: Engineering Manager - Database Job Location: Noida Role Overview We are seeking a Database Engineering Manager (Individual Contributor) with deep expertise in MySQL and strong working knowledge of MongoDB, PostgreSQL, and Cassandra. This role combines hands-on database administration and optimization with strategic ownership of database reliability, automation, and cloud adoption. The candidate will lead by example—driving technical excellence, influencing best practices, and partnering cross-functionally with DevOps, SRE, and product engineering teams to deliver highly available, secure, and scalable database platforms. Key Responsibilities 1. End-to-End Ownership of MySQL databases in production & staging—availability, performance, and reliability. 2. Architect, manage, and support MongoDB, PostgreSQL, and Cassandra clusters for scale and resilience. 3. Define and enforce backup, recovery, HA, and DR strategies across all critical database platforms. 4. Drive database performance engineering—tuning queries, optimizing schemas, indexing, and partitioning for high-volume workloads. 5. Own replication, clustering, and failover architectures ensuring business continuity. 6. Champion automation & AI-driven operations—design self-healing scripts, predictive scaling, and proactive monitoring solutions. Collaborate with Cloud/DevOps teams on AWS database services (RDS, Aurora, DynamoDB, EC2, S3) to optimize cost, security, and performance. 7. Establish monitoring dashboards & alerting mechanisms for slow queries, replication lag, deadlocks, and capacity planning. Ensure compliance & security standards—encryption, auditing, and regulatory requirements. 8. Lead incident management & on-call rotations, ensuring rapid response and minimal MTTR. 9. Act as a strategic technical partner, contributing to database roadmaps, automation strategy, and adoption of AI-driven DBA practices. Required Skills & Experience 1. 6–10 years of p

CORPORATE DEVELOPMENT Job Purpose The Corporate Development team is responsible for driving the company's long-term growth and strategic evolution. As a Corporate Development , you will play a pivotal role in identifying, evaluating, and executing inorganic growth opportunities. This includes mergers and acquisitions (M&A), joint ventures, strategic alliances, divestitures, and corporate investments. You will act as a key connector between external market opportunities and internal executive leadership. Key Responsibilities 1. Strategy & Market Intelligence Collaborate with senior executives to define and refine the company’s inorganic growth roadmap.Conduct continuous macroeconomic, industry research to identify emerging trends, market disruptions, and potential targets. Tracking market developments, precedent transactions, and comparable companies. Maintain a robust, proactive pipeline of acquisition, investment, and partnership targets. 2. Deal Sourcing & Evaluation Build and maintain relationships with investment bankers, venture capital/private equity firms, and target company management teams. Perform initial screening of inbound and outbound deal opportunities against corporate strategic criteria. Develop high-quality strategic rationale and business cases for presentation to the C-suite and Board of Directors. 3. Due Diligence & Deal Execution Coordinating due diligence processes and managing data rooms (in live deals) Coordinate internal cross-functional teams (Legal, Finance, Tax, HR, Product, Operations) and external advisors during the due diligence process. Lead the project management of the transaction lifecycle from Letter of Intent (LOI) to definitive documentation and closing. 4. Integration & Post-Closing Support Partner with operational teams to design post-merger integration (PMI) playbooks. Ensure that projected financial and operational synergies are tracked and realized post-acquisition Role Requirements & Qualifications Educati

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. Role Overview We’re looking for a GM/ AVP to drive growth for Lending vertical at Paytm. This role is deeply analytical and focused on reading user and marketing funnels at an atomic level, forming strong hypotheses, and designing experiments to unlock scalable growth. You will work closely with senior stakeholders across Product, Business, Risk, Marketing and growth teams across paytm. Key Responsibilities ● Own end-to-end growth analysis across the unsecured lending, from impressions and clicks to activation, usage, and credit consumption ● Analyze marketing and acquisition funnels at an atomic level using event, clickstream, and impression data to identify gaps and inefficiencies ● Use tools like CleverTap, SQL, Looker and Superset to track funnel movement, drop-offs, and cohort behavior ● Form clear, data-backed hypotheses and design experiments to validate growth opportunities ● Work with campaign managers in the team to execute experiments, relevant campaigns, review content and suggest improvements ● Lead cohort analysis to understand differential behavior across user segments ● Partner with Product teams to identify opportunities to improve user journeys and reduce funnel friction. ● Identify new opportunities for top funnel growth, both within the Paytm ecosystem and outside it. ● Translate complex analyses into clear, actionable recommendations for senior stakeholders ● Build and maintain dashboards to monitor funnel health and experiment outcomes Requirements ● 10+ years of experience in growth, analytics, or product strategy roles ● Strong analytical and problem-solv

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. About the Team: The Compliance department has five areas of responsibility—identification, prevention, monitoring and detection, resolution, and advisory for the entity with respect to regulations/ laws, and is part of the enterprise compliance group at Paytm. About the role: This role will focus on advising business and overseeing compliance-related matters in the company. The role entails advising in terms of the relevant regulatory expectations to the respective business units and ensuring timely monitoring and detection of compliance-related issues. Expectations/ Requirements: 1) Oversee and monitor adherence to applicable laws and regulations in the domains of digital lending, offline payments aggregators, BBPS, and UPI TPAP segments. 2) Provide informed compliance opinions to the internal stakeholders on the applicability of regulatory laws and guidelines. 3) Assess compliance and regulatory risks associated with business activities and ensure effective risk management strategies are in place. 4) Collaborate closely and creatively with cross-functional teams to guide the seamless implementation of regulatory guidelines and compliance requirements. 5) Manage audits and ensure timely, accurate responses to regulatory/ third-party inquiries and inspections. 6) Interpret policies, procedures, and compliance requirements while influencing and collaborating with professionals across all organizational levels. Lead and mentor the compliance team to achieve organizational compliance objectives effectively. 7) Ensure effective assessment of control design and maintenance of compliance framework, training on the reg

About Us Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners. About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances. The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making. Key Responsibilities : - Portfolio Monitoring & Analytics - Risk Strategy & Policy Design - Stress Testing & Risk Containment - Loss forecasting & scenario planning - Product & Growth Partnership - Collections Interface / Strategy - Compliance & Bureau Management Requirements: - 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC - Hands on experience in SQL, Python, R, Pyspark - Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc - Ability to translate data into clear insights and recommendations - Familiarity with BI tools like Tableau, Looker , Metabase etc - Understanding of machine learning models in credit risk - Strong problem solving and stakeholder management skills