Policy And Partnerships Lead Cee And Baltics in Bengaluru

About the Team Our Human Resources team operates as a strategic partner to the business, focused on cultivating a high-performance culture where exceptional talent thrives. Our work is fundamentally guided by the DICE (Democratize Internet Commerce for Everyone) mission, which underpins our approach to all people strategies. Our core mandate centers on two critical pillars: driving world-class Talent Density and continuously elevating Employee Experience. We achieve this by relentlessly attracting, developing, and retaining the highest caliber of professionals, ensuring that every individual contributes significantly to our success. Concurrently, we are committed to shaping an unparalleled employee experience—one defined by transparent communication, meaningful development, and a deeply engaging, inclusive culture. As stewards of the company's most valuable asset—its people—we design, implement, and champion people strategies that directly translate into sustained business growth and a position as one of India’s most sought-after e-commerce destinations. About the Role As an integral part of the HR CoE Team, this role will be instrumental in elevating Meesho's culture. The role will be at the forefront of identifying and addressing critical challenges that impact the employee experience, implementing innovative policy and process solutions. The role will play a pivotal role in shaping and driving our eNPS and Talent Density charters. This role demands a user-centric mindset, a creative approach to problem-solving, and the ability to collaborate across departments to deliver impactful results. The role will have frequent opportunities to interact with leadership, ensuring the work directly contributes to shaping the company's future. The role will constantly be challenged to find innovative solutions to complex issues, making every day an exciting opportunity to drive positive change.

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 Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

About Us: Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. About the Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are seeking a detail-oriented Credit Analyst to join our risk management team. The ideal candidate will be responsible for implementing credit risk policies, optimizing risk policies, and ensuring compliance with regulatory requirements. You will work closely with data scientists, product managers, and credit teams to enhance our underwriting models and decisioning frameworks. Key Responsibilities: * Analyze credit risk across various products, including merchant and personal loans, postpaid. * Liaison with the business team to understand the credit risk policies and implement the same on platform. * Implement the credit risk policies on our proprietary platform. * Monitor performance of credit risk policies. Share feedback with product and Policy team what's working well and what needs improvement. * Utilize alternative data sources, machine learning models, and traditional credit assessment techniques to enhance risk evaluation. * Conduct testing and scenario analysis to measure policy resilience. * Monitor key risk indicators (KRIs) and provide actionable