Technology Research 2d Transistor Engineer Intern in India

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 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 the digital advertising platform of Paytm, enabling brands to reach and engage with over 350M+ users across Paytm’s ecosystem of 200+ payment, commerce, and retail services—both online and offline. By leveraging transaction signals and behavioral insights, Paytm Ads enables advertisers to target highly relevant consumer cohorts and deliver performance-driven campaigns. About the Role We are looking for a Manager – Product Analytics to drive data-led decision making across the Paytm Ads platform. This role works closely with Product, Data Engineering, Sales, and Operations teams to analyze product performance, user behavior, and campaign outcomes, translating data into actionable insights that improve advertiser and platform performance. Key Responsibilities: ● Build and maintain automated dashboards and BI reports for key product and revenue metrics. ● Write advanced SQL queries to analyze large datasets and generate actionable insights. ● Analyze product usage, funnels, retention, and feature adoption to identify growth opportunities. ● Conduct A/B testing, cohort analysis, and segmentation to measure product and campaign impact. ● Track and optimize digital marketing performance metrics such as CAC, ROI, CTR, and conversions. ● Translate business/product questions into structured analysis recommendations for stakeholders. Qualifications: ● B.E./B.Tech from a reputed engineering institute ● Experience in Product Analytics, Management Consulting, Business Strategy, or Sales/Marketing Analytics roles. ● Strong SQL expertise for large-scale data analysis and reporting. ● E

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

Expectations/ Requirements  Own marketing campaign operations & implementation design logic end to end in alignment with the marketing strategy decided upon  Own the monitoring and tracking of metrics useful for performance analyses of campaigns  Set up and run experiments on campaigns  Streamline operations for reduced errors and increased efficiency  Run root cause analyses and narrow down the cause(s) in cases of deviations from expected campaign behavior Superpowers/ Skills that will help you succeed in this role  Familiarity with any CLM tool. Prior experience with CleverTap will be an added advantage.  Aptitude – good with logical reasoning, breaking down problem statements, and hypothesis formation and validation  Ownership – Own campaigns end to end from execution to assessment to accommodating learnings – the candidate should be interested in the role or else it will be difficult to gather ownership and excel  Previous experience in operations is preferred - not mandatory 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 feedbacks from your peer teams on your support of their goals  Respect, that is earned, not demanded from your peers and manager

Position Summary: We are seeking an experienced and result-oriented IT Procurement Professional with 5-7 years of proven expertise for strategic sourcing and procurement of IT products and services. The ideal candidate will have strong expertise in procuring IT hardware, software, cloud services, SaaS applications, cybersecurity solutions, telecommunications, and professional services. The role requires end-to-end ownership of procurement activities, supplier relationship management, commercial negotiations, contract management, and stakeholder engagement while ensuring cost optimization, regulatory compliance, and procurement governance. Key Responsibilities: Strategic Procurement & Sourcing:  End-to-end procurement of IT hardware, software, cloud services, SaaS applications, cybersecurity solutions, telecommunications, data center infrastructure, and technology services.  Proven experience in procurement of IT infrastructure, software licensing, cloud platforms (AWS, Azure, Google Cloud), SaaS applications, cybersecurity solutions, telecommunications, and managed services.  Develop and execute category sourcing strategies aligned with business objectives and technology roadmaps.  Manage the complete sourcing lifecycle, including requirement gathering, market assessment, RFI/RFP/RFQ preparation, supplier evaluation, commercial analysis, negotiations, and contract award.  Drive competitive bidding and supplier selection to achieve optimum commercial and technical outcomes. Commercial & Contract Management:  Negotiate pricing, commercial terms, payment terms, SLAs, licensing models, support agreements, renewals, and long-term contracts.  Ensure timely execution of contracts in collaboration with Legal, Finance, Information Security, and business stakeholders.  Manage contract renewals, amendments, vendor obligations, and commercial risk throughout the contract lifecycle.  Deliver measurable cost savings while optimizing Total Cost of Ownership (TCO). Ve

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. 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 an experienced program manager in our Gold team. The ideal candidate would have a good blend of business and technical acumen and would be able to deliver in a high paced environment. Responsibilities: ● Plan and Drive complex programs simultaneously from initiation through launch ● Collaborate with multiple cross functional teams to drive program launch, ensuring ownership of the revenue including call center, insurance partners, marketing, tech and product teams, ● Proactively identify and resolve product issues by effectively working with Product Managers, Business Owners and Engineering Teams ● Individual contributor role in a matrix structure ● Report and communicate progress and status of projects to relevant stakeholders ● Build program review cadence and bring discipline to track success objectively ● Assist in production launches, coordinate UAT, implementation of process change and trainings as needed ● Help in monthly and quarterly roadmap planning by reaching out to dependant business and prioritizing their asks ● Identify the right KPIs for multiple teams, build dashboards to rack these KPIs and highlight in the right meetings Basic Qualifications : ● 3 - 5 years of experience in managing projects across cross functional teams ● Experience working directly with business stakeholders. ● Experience in strategy consulting, ceo office, chief of staff, EIR roles ● Bachelor's degree in Engineering, business or related technical field ● Strong oral and written communication skills are crucial ● Prior work experience in insurance or fintech pre

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

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