Lead Full Stack Software Development Engineer Specialist in India

About Ema Ema is building the world’s leading Agentic AI platform to transform enterprise productivity. We enable organizations to delegate repetitive tasks to Ema, the Universal AI Employee, delivering 10x gains in workforce efficiency, across functions. Founded by former executives from Google, Coinbase, Flipkart, and Okta, our team includes engineers from premier tech companies and graduates of Stanford, MIT, UC Berkeley, CMU, and IITs. We are backed by industry leading investors including Accel, Naspers/Prosus, Section32, and angels like Sheryl Sandberg and Dustin Moskovitz. Headquartered in Silicon Valley and with offices in London, Bangalore and Vancouver, Ema is at the frontier of what Agentic AI can do in production — we ship real systems that run real business processes at scale. Role Overview & Key Responsibilities This is a high-leverage leadership role that spans architecture, execution, and org-building, and will shape the direction of our AI / ML initiatives at Ema. We are seeking an AI / ML technical leader who can take a vision and build it. As a Principal ML Engineer at Ema, you will be a senior technical leader responsible for shaping the machine learning roadmap, architecting large-scale ML systems, driving innovation, and ensuring our mixture of expert models (LLM + SLM + Custom Model) is accurate and performant at scale. You will collaborate across teams (research, product, infra, data, etc.), mentor senior engineers, and influence strategy and execution at company-wide levels. Responsibilities Lead the technical direction of GenAI and agentic ML systems that power enterprise-grade AI agents — spanning reasoning, retrieval, tool use, and integrations across various SaaS products. Architect, design, and implement scalable production pipelines for model training, fine-tuning, retrieval (RAG), agent orchestration, and evaluation — ensuring robustness, latency efficiency, and continuous learning. Define and own the multi-year ML roadmap for GenA

About Ema Ema is building the world’s leading Agentic AI platform to transform enterprise productivity. We enable organizations to delegate repetitive tasks to Ema, the Universal AI Employee, delivering 10x gains in workforce efficiency, across functions. Founded by former executives from Google, Coinbase, Flipkart, and Okta, our team includes engineers from premier tech companies and graduates of Stanford, MIT, UC Berkeley, CMU, and IITs. We are backed by industry leading investors including Accel, Naspers/Prosus, Section32, and angels like Sheryl Sandberg and Dustin Moskovitz. Headquartered in Silicon Valley and with offices in London, Bangalore and Vancouver, Ema is at the frontier of what Agentic AI can do in production — we ship real systems that run real business processes at scale. Who you are We're looking for an innovative and passionate Machine Learning Engineers to join our team. You are someone who loves solving complex problems, enjoys the challenges of working with huge data sets, and has a knack for turning theoretical concepts into practical, scalable solutions. You are a strong team player but also thrive in autonomous environments where your ideas can make a significant impact. You love utilizing machine learning techniques to push the boundaries of what is possible within the realm of Natural Language Processing, Information Retrieval and related Machine Learning technologies. Most importantly, you are excited to be part of a mission-oriented high-growth startup that can create a lasting impact. You will: Conceptualize, develop, and deploy machine learning models that underpin our NLP, retrieval, ranking, reasoning, dialog and code-generation systems. Implement advanced machine learning algorithms, such as Transformer-based models, reinforcement learning, ensemble learning, and agent-based systems to continually improve the performance of our AI systems. Lead the processing and analysis of large, complex datasets (structured, semi-structured, and

At Snowflake, we are powering the era of the agentic enterprise. To usher in this new era, we seek AI-native thinkers across every function who are energized by the opportunity to reinvent how they work. You don’t just use tools; you possess an innate curiosity, treating AI as a high-trust collaborator that is core to how you solve problems and accelerate your impact. We look for low-ego individuals who thrive in dynamic and fast-moving environments and move with an experimental mindset — who rapidly test emerging capabilities to discover simpler, more powerful ways to deliver results. At Snowflake, your role isn't just to execute a function, but to help redefine the future of how work gets done. About Snowflake Founded by industry experts and backed by strategic investors, our disruptive built-for-the-cloud architecture was designed to push the limitations of conventional data warehousing. Our teams breed ambition, challenge ordinary thinking, push the pace of innovation, and work hard to provide our customers with the best experience possible. As an Enterprise Product Manager, your key role will be to optimize and strategically evolve Workday Finance Order to Cash (OTC) IT Systems at Snowflake. You will bridge diverse business stakeholders and skilled development teams, translating complex business requirements into precise, actionable functional specifications for technical implementations. This role offers a unique opportunity to contribute to the entire solution lifecycle for critical OTC systems, from design to deployment. Your expertise will directly impact the efficiency, scalability, and accuracy of Snowflake's revenue-generating processes, ensuring a robust OTC ecosystem. What you will be doing As a Staff Enterprise Product Manager, you will independently contribute to and lead the following areas: Process Optimization: Optimize and strategically evolve Workday Finance Order to Cash (OTC) systems, bridging business needs with technical solutions. Operation

At Snowflake, we are powering the era of the agentic enterprise. To usher in this new era, we seek AI-native thinkers across every function who are energized by the opportunity to reinvent how they work. You don’t just use tools; you possess an innate curiosity, treating AI as a high-trust collaborator that is core to how you solve problems and accelerate your impact. We look for low-ego individuals who thrive in dynamic and fast-moving environments and move with an experimental mindset — who rapidly test emerging capabilities to discover simpler, more powerful ways to deliver results. At Snowflake, your role isn't just to execute a function, but to help redefine the future of how work gets done. At Snowflake, we are building the future of the data-driven enterprise. We are looking for a Sales Development Representative (Inbound) who operates with a seller mindset, responds with speed and precision to inbound demand, and is driven by revenue impact — not just activity metrics. This is not a traditional SDR role focused on meeting bookings. You will be Snowflake's first point of contact for enterprise buyers who have already raised their hand — through demo requests, trial signups, content downloads, event registrations, and partner referrals. Your job is to qualify that interest fast, engage with insight, and convert it into high-quality pipeline alongside Account Executives. The person we are looking for shares our passion about reinventing the data platform and thrives in a high-volume, high-variety environment. That means bringing structure and judgement to every inbound interaction, maintaining deep knowledge of Snowflake's platform and competitive landscape, and partnering tightly with both Marketing and Sales to close the loop between demand and revenue. AS A SALES DEVELOPMENT REPRESENTATIVE (INBOUND) AT SNOWFLAKE, YOU WILL: Respond to and qualify inbound leads with speed — time-to-first-contact and lead conversion are your primary performance signals Triage a

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

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 Paytm's digital advertising vertical that offers innovative ad solutions to clients across industries It offers advertisers the opportunity to engage with 300Mn+ users who interact with over 200 payment & retail services, online and offline - offered on the Paytm app. Paytm Ads maps the user transactions to their lifestyle choices and creates customized segmentation cohorts for sharp shooting ad campaigns to the most relevant TG. Expectations/ Requirements We are hiring for the role of Government Ad Sales for FMCG, Consumer. Internet, Gaming verticals. The responsibilities would be as follows:  Become an expert in Paytm Ads solutions for businesses of all sizes and adapt recommendations quickly to suit varying client needs Experience in handling Government clients is must.  Own end-to-end key business metrics like ads revenue, educate and lead strategic conversations with clients and navigate complex relationships  Be the voice of Paytm ads in the industry and present Paytm's advertising solutions to CXOs, media heads, brand managers, agency partners of large brands in the market  Build a strong pipeline of media briefs and respond with customized pitches and proposals aligned with the client’s business and marketing objectives  Work closely with the campaign delivery and optimization team to monitor and deliver expected results to the advertiser  Lead initiatives which require significant cross team collaboration to build innovative advertising solutions for key advertisers  Provide constant feedback to the product team to improve advertising performance and customer exper

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 Paytm's digital advertising vertical that offers innovative ad solutions to clients across industries It offers advertisers the opportunity to engage with 300Mn+ users who interact with over 200 payment & retail services, online and offline - offered on the Paytm app. Paytm Ads maps the user transactions to their lifestyle choices and creates customized segmentation cohorts for sharp shooting ad campaigns to the most relevant TG. Expectations/ Requirements We are hiring for the role of Government Ad Sales for FMCG, Consumer. Internet, Gaming verticals. The responsibilities would be as follows:  Become an expert in Paytm Ads solutions for businesses of all sizes and adapt recommendations quickly to suit varying client needs Experience in handling Government clients is must.  Own end-to-end key business metrics like ads revenue, educate and lead strategic conversations with clients and navigate complex relationships  Be the voice of Paytm ads in the industry and present Paytm's advertising solutions to CXOs, media heads, brand managers, agency partners of large brands in the market  Build a strong pipeline of media briefs and respond with customized pitches and proposals aligned with the client’s business and marketing objectives  Work closely with the campaign delivery and optimization team to monitor and deliver expected results to the advertiser  Lead initiatives which require significant cross team collaboration to build innovative advertising solutions for key advertisers  Provide constant feedback to the product team to improve advertising performance and customer exper

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensu

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