Growth Management - Merchant Lending (AM/DM)

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 We are looking for an experienced Growth professional (DGM/GM) to own customer acquisition, activation and usage for our Lending EMI business. The incumbent will drive the strategy and execution behind how customers discover, check their eligibility for, and activate Paytm EMI — spanning proactive outreach to pre-scored segments, always-on in-app/in-store eligibility checks, and in-the-moment discovery at the point of purchase. The role requires close partnership with Business Product, App Product, Risk, Risk Analytics, Brand Alliance, and Marketing teams to convert Paytm's existing user base — including Postpaid and other lending cohorts, and customers who already use Paytm's free credit report — into active, repeat EMI users, while keeping growth targets aligned with underwriting and portfolio quality constraints. About the Team The Growth team for Lending EMI owns the full top-of-funnel, activation charter and usage matrices: sizing and prioritizing the addressable base, running outbound and in-product campaigns, and measuring and improving conversion across every discovery channel — proactive whitelist outreach, standalone self- check, contextual at-purchase discovery, and merchant-assisted discovery. Key Responsibilities ● Own the GTM strategy and sequencing across customer segments (existing loan products/lending cohorts, the CIR base, internal usage patterns, new-to-credit customers) and merchant/category segments. ● Drive the proactive outreach ("Signup") program end to end: whitelist targeting, campaign design across push/SMS/email/in-app, frequency and consent management, and conversion tra

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

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: - 2 to 5 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

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 looking for a Growth Manager to own the overall growth strategy and business outcomes for our merchant-user ecosystem. The role will drive the journey from new user → activation → engagement → retention → power user, translating merchant insights into propositions, campaigns, and scalable growth initiatives. Key Responsibilities - Own the overall user growth strategy, with accountability for active users, engagement, transactions, and incremental business outcomes. - Define and drive the end-to-end user lifecycle strategy across acquisition, activation, engagement, retention, and reactivation. - Translate merchant behaviour, customer insights, and data into compelling propositions, gratification constructs, campaigns, and growth interventions. - Lead integrated execution across CLM, Product, Marketing, Social, Influencer, Regional, and Finance teams. - Identify and prioritise growth opportunities across user cohorts, lifecycle stages, app journeys, campaigns, offers, and engagement levers. - Drive continuous experimentation and optimisation to improve conversion, engagement, retention, and transaction frequency. - Own senior stakeholder reviews, including performance narratives, key risks, business decisions, and forward-looking growth plans. - Build a strong operating rhythm across teams, ensuring clear ownership, prioritisation, execution quality, and timely delivery. - Lead and mentor growth leaders/teams while ensuring an integrated roadmap and strong cross-functional collaboration. Key Success Metrics - Merchant-to-user conversion - Active merchant users - Incremental engagement

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 strategic, data-driven Growth leader to drive business growth across Card payments and Pay By Link (PBL) within the Paytm for Business ecosystem. - The role will own key growth metrics, including Card GMV and transactions and PBL GMV and Monthly Active Users (MAUs). - The ideal candidate will be responsible for driving merchant acquisition and activation, increasing product adoption and usage, strengthening retention among high-value cohorts, and expanding market share across these businesses. - This is a high-ownership role requiring strong growth strategy, analytical capabilities, experimentation and execution. - The candidate will work closely with Product, Engineering, Data, Marketing, Risk and Business teams to build scalable growth initiatives and deliver measurable business outcomes. Key Responsibilities: 1. Card Business Growth: - Own and drive Card GMV and transaction growth through targeted acquisition, activation and engagement strategies. - Increase card acceptance and adoption among merchants and drive deeper usage among existing card-transacting merchants. - Improve the percentage of active card-transacting merchants and strengthen card penetration and market share. - Identify opportunities to increase transaction frequency, average transaction value and overall merchant contribution. - Develop strategies to retain and grow high-value card merchant cohorts, with a focus on the 80/20 principle and Pareto-based cohort management. 2. Personal Business Loans (PBL) Growth: - Drive PBL GMV and growth in Monthly Active Users (MAUs) across EDC and non-EDC merc

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 strategic, data-driven Growth leader to drive UPI GMV and transaction growth across the Paytm ecosystem. The role will focus on increasing merchant transaction volumes, improving share of wallet, retaining high-value merchants and reducing churn through targeted, cohort-led growth strategies. The ideal candidate will combine strong growth and analytical thinking with expertise in experimentation, segmentation and lifecycle management to drive sustainable business outcomes at scale. Key Responsibilities: - UPI Growth: Own and drive UPI GMV and transaction growth, improving merchant engagement, transaction frequency and overall business performance. - High Value Merchant Retention: Identify and address declining activity among high-value merchants, focusing on retention, reactivation and reducing churn. - Share of Wallet and Market Share: Develop strategies to increase Paytm’s share of merchant transactions and strengthen market position. - Cohort led Growth: Build targeted growth strategies using merchant segmentation, Pareto-based analysis and cohort performance to improve engagement and retention. - Growth Analytics and Experimentation: Track key KPIs, analyze funnels and behavioral trends, and drive hypothesis-led experiments and A/B testing to improve business outcomes. - Lifecycle Management: Design targeted engagement, retention and win back initiatives, including active-to-soft-churn interventions. - Cross Functional Collaboration: Partner with Product, Engineering, Data, Marketing and Business teams to identify growth opportunities and execute scalable initiatives. - Tea