Technology Intern Summer 2027 in India

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 consumers and small businesses with payments, commerce, and credit. 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 looking for an early-career Product Manager to join Paytm Lending. The role is about re-imagining how a lending business runs, from underwriting and risk to operations and customer journeys, using LLMs and AI agents. It is a hands-on role. You will dig into data, edge cases, and day-to-day operational problems to understand them from the ground up before designing solutions. We are looking for first-principles thinkers who enjoy building with LLMs and like going deep on real problems. Key Responsibilities - Identify workflows across lending (underwriting, risk, recon, operations, collections) where LLMs and agents can add value, and judge where they cannot. - Build and ship product solutions from prototype to production, working closely with engineering. - Dig into data, edge cases, and operational detail to understand problems at the root. - Partner with stakeholders across risk, operations, engineering, and business to align priorities and drive delivery. - Write clear product requirement documents and manage roadmaps and deliverables. - Use data to define hypotheses, run experiments (A/B), and track impact; use SQL or Excel to access and validate data independently. - Track key product and data metrics (OKRs and KPIs) and adjust strategy as needed. Requirements - Bachelor's degree in engineering, computer science and/or related field with MBA from top tier colleges. - 2 to 4 years of professional experience in product management, product analytics, or a similar role, with a strong customer-first mindset. - Genuine, hands-on experience building with LLMs.

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 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 vertical product managers/ business leads 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 • Make sure that clear, simple, and technically sound decisions are made • With your strong domain knowledge of lending platforms, we expect you to provide your subject matter expertise in requirements solutioning • Ability to work with multiple stakeholders / senior management / cross-functional teams to influence them for quicker decisions, manage sudden technical roadblocks and be able to clear them • Lead product team processes (Agile/Scrum) and manage expectations and track roadmap regularly • 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). Superpowers that will help you succeed in this role: • Bachelor’s degree in engineering, computer science and/or related field • Professional experience in a product management or analytical role with hands on experience in banking processes • Having deep understanding of Lending and LMS (Loan Management System) Platform(s) in Product Management role building credit platform products Knowledge of Fintech/ BFSI/ Lending domain • Exp sh

Title: Product Design 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 a Product Designer 3 who combines strong problem-solving ability with solid design craft. In this role, you will own product areas end-to-end, create high-quality designs, and collaborate closely with product, engineering, and research to ship impactful solutions. You will be expected to push for excellence, contribute to systems, and grow into a craft leader for more junior designers. What You’ll Do • Own Product Areas: Take end-to-end responsibility for medium-to-large product features, from concept to delivery. • Solve Problems with Clarity: Break down user and business challenges into clear, elegant design solutions. • Deliver with Craft: Create polished interaction and visual design that aligns with design systems and elevates user experience. • Collaborate Deeply: Partner with product managers, engineers, and researchers to ensure design is central to decision-making. • Contribute to Systems: Apply and extend existing design systems, ensuring consistency across product experiences. • Articulate Decisions: Present and defend design decisions with clarity and confidence to peers and stakeholders. • Mentor Juniors: Guide early-career designers through feedback and critique, contributing to their growth. What We’re Looking For • 3–5 years of experience in product design with shipped work that demonstrates craft and problem solving. • Strong portfolio showcasing interaction design, visual design, and product thinking. • Ability to translate requirements and research insights into actionable design solutions. • Working knowledge of design systems and scalable

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 vertical product managers/ business leads 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 • Make sure that clear, simple, and technically sound decisions are made • With your strong domain knowledge of lending platforms, we expect you to provide your subject matter expertise in requirements solutioning • Ability to work with multiple stakeholders / senior management / cross-functional teams to influence them for quicker decisions, manage sudden technical roadblocks and be able to clear them • Lead product team processes (Agile/Scrum) and manage expectations and track roadmap regularly • 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). Superpowers that will help you succeed in this role: • Bachelor’s degree in engineering, computer science and/or related field • Professional experience in a product management or analytical role with hands on experience in banking processes • Having deep understanding of Lending Platform(s) in Product Management role building credit platform products Knowledge of Fintech/ BFSI/ Lending domain • Exp should be in between 4 - 8 years

Position Summary: We are seeking a dynamic and experienced IT Procurement Professional with 8–10 years of proven expertise in strategic IT procurement, including substantial experience managing procurement activities across the European region. The ideal candidate will have a strong track record of leading end-to-end sourcing initiatives for IT hardware, software, cloud technologies, SaaS applications, telecommunications, and technology services. This role requires expertise in strategic sourcing, supplier relationship management, contract negotiations, cost optimization, and procurement governance, while ensuring compliance with organizational policies and applicable European regulatory requirements. Key Responsibilities:  Lead end-to-end procurement of IT products and services across the Europe region from local vendors.  Develop and execute sourcing strategies for software, cloud services, IT infrastructure, cybersecurity solutions, telecom, and professional services across the Europe region from local vendors.  Manage strategic sourcing initiatives, including RFIs, RFPs, RFQs, supplier evaluations, negotiations, and contract finalization.  Collaborate closely with IT, Information Security, Finance, Legal, and business stakeholders to understand business requirements and deliver timely, value-driven procurement solutions.  Negotiate commercial terms, pricing, SLAs, licensing models, payment terms, and contract renewals to maximize business value.  Build and manage relationships with global and regional technology vendors and service providers.  Ensure compliance with company procurement policies, contractual obligations, and applicable European regulations such as GDPR, DORA, CRA etc  Partner closely with IT, Information Security, Finance, Legal, and business stakeholders to understand procurement requirements and deliver timely sourcing support.  Drive supplier performance reviews, vendor governance, and continuous improvement initiatives.  Monitor

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 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. Paytm is building a full stack AI platform focussed on Inference and Agents, enabling large enterprises to deploy AI driven automation across sales, service, operations, and analytics. The Inference and Agentic AI team operates as a cross functional unit spanning engineering, product, data science, business management, and sales, and owns the full lifecycle of AI. Role Overview Paytm is looking to hire Sales Operations Managers to drive financial and operational rigor across its AI Inference and Agentic AI business. This role sits at the core of sales operations, working closely with sales, business management, and central finance teams to ensure accurate billing, collections, and revenue recognition. The role involves owning the full order to cash lifecycle, strengthening revenue assurance, and managing procurement and vendor operations for the AI charter. The candidate will play a key role in building scalable, audit ready systems that improve financial control, reduce leakage, and enable efficient business growth. Key Responsibilities Order to Cash Operations Own end to end invoicing for enterprise AI deals from contract trigger to invoice generation, dispatch, and acknowledgement. Maintain a central invoicing tracker covering deal terms, billing milestones, invoice status, and collections. Coordinate with central finance and accounts receivable teams to ensure GST compliant, PO aligned, and accurately booked invoices. Drive collections follow ups with enterprise clients in partnership with business teams and escalate overdue receivables. Manage billing adjustments including credit notes, disputes, and corrections. Revenue Assurance and Financial Co

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. We offer competitive compensation, opportunities for professional growth, and a dynamic work environment. About the Team: The Compliance department has five areas of responsibility—identification, monitoring, advisory, reporting and review for the entity with respect to regulations/ laws. About the role: This role includes managing regulatory compliance for UPI TPAP, BBPS and Digital Lending Business. The role entails advising the UPI TPAP, BBPS, Digital Lending business units of the relevant regulatory expectations and ensuring timely monitoring and detection of compliance-related issues. The successful candidate will be responsible for individually contributing and ensuring compliance with relevant laws, regulations, and guidelines related primarily to UPI TPAP, BBPS and Digital Lending. The ideal candidate should have experience in relevant domain dealing with RBI and NPCI obligations preferably in a fintech environment, bank and possess strong self-driven skills to manage compliance effectively. Expectations/ Requirements: 1) Regulatory Compliance Management and Monitoring: Monitoring and interpreting regulations and guidelines in the domain of UPI TPAP, BBPS and Digital Lending and ensuring compliance with applicable laws, regulations, and guidelines. Provide informed compliance advisory to the internal stakeholders on the applicability of regulatory laws and guidelines. 2) Policy and Procedure Development: Develop, implement, and maintain compliance policies and procedures ensuring that they are up-to-date. 3) Regulatory Reporting: Prepare and submit timely and accurate compliance reports to senior ma

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

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. Paytms mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Role This role will drive integrations between Paytm EDC and other billing POS providers, enabling seamless merchant experiences and improving adoption across key segments. Key Responsibilities * Own end-to-end integration lifecycle Work with product team to enable seamless EDC + billing interoperability. * Drive technical and business alignment between Paytm product and partner teams. * Identify high-impact POS platforms and prioritize integrations based on merchant demand and revenue potential. * Ensure smooth onboarding, testing, deployment, and post-integration support. * Act as the bridge between business, product, and engineering teams. Ideal Candidate Profile * 5–7 years of relevant experience in POS integrations, fintech, SaaS, or payments ecosystem. * Strong understanding of billing software / POS systems / APIs / integrations. * Ability to work closely with technical teams while driving business outcomes. * Experience in merchant-facing solutions or retail tech ecosystems is a plus. * Strong problem-solving and stakeholder management skills. * Based in Delhi (mandatory requirement). 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 ecosyst

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 Role At Paytm, we are building the next generation of intelligent payment experiences for millions of users. We are looking for an AI-first Senior Product Manager who combines exceptional product thinking, customer empathy, UX sensibility, and execution excellence with a strong understanding of modern AI capabilities. You will own high-impact consumer journeys across UPI payments, onboarding, mandates, and engagement, while identifying opportunities where AI can simplify experiences, automate workflows, and solve customer problems at scale. You will work closely with Engineering, AI/Data Science, Design, Analytics, Risk, Operations, and Business teams to build products that are intuitive, reliable, and loved by customers. If you are passionate about building products, experimenting with AI, solving complex customer problems, and delivering measurable business impact, we'd love to hear from you. What You will Own * Define the product vision, strategy, and roadmap for consumer-facing UPI experiences. * Own critical customer journeys across UPI onboarding, payments, mandates, payment management, and engagement. * Identify opportunities to leverage Generative AI and AI Agents to simplify customer journeys, improve payment success, and automate internal workflows. * Design AI-powered experiences such as intelligent assistants, conversational interfaces, recommendation systems, and workflow automation. * Partner with Design to build simple, intuitive, and delightful user experiences. *Translate customer pain points into product opportunities backed by user research and data. * Prioritize the roadmap

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 leading mobile payments and financial services distribution company. A 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: As the KAM, you will manage and grow Paytm’s relationships with State Road Transport Corporations (RTCs) and private bus operators in your assigned region. You will drive strategic partnerships, ensure competitive supply availability, and take end-to-end ownership of regional revenue, pricing health, and operational performance. Key Responsibilities: Partnership & Supply Management Build, maintain, and expand strong working relationships with RTCs and top private operators in the region. Onboard new operators and ensure digital adoption of Paytm Travel tools and dashboards. Negotiate commission structures, payout terms, and commercial agreements aligned with platform objectives. Revenue & Performance Management Own and drive revenue targets, load factors, and seat fill rates for your region. Collaborate with central pricing and analytics teams to implement dynamic pricing strategies. Track revenue leakage, cancellations, and penal charges; work with operators to resolve issues. Market & Competition Analysis Regularly benchmark fares, seat inventory, and operator quality against regional competitors. Provide actionable insights on price trends, route-level demand patterns, and consumer behavior. Recommend product/UX changes based on feedback from operators and market observations. Operational Excellence Monitor SLA adherence on seat confirmations, refunds, and cancellation handling. Collaborate with customer support and tech teams to address escalations and resolve partner issues. Run regular health checks and audits on partner performance and NPS metrics. What We're Looking For: 4–10 years of exper