Product Management - Manager- Lending (AI & Platform)

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

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

About the Team Would you like to be part of creating a unicorn within a unicorn? Solve some of the biggest challenges facing financial inclusion of Bharat? Well, then here's your chance! Financial Services (FS) is one of the biggest new bets we are taking at Meesho on the next 10x horizon opportunity for us. Just as Ant Financial did for Alibaba, and Mercado Pago did for Mercado Libre, our vision is to build financial services for Meesho, becoming our key growth and revenue driver. We have found our Product-Market Fit, built and proved 0-1 and 1-10 journeys. Now looking for someone who can be the founding member of a 10-100-1000 journey, and this is possibly one of the most exciting and enriching experiences one could consider in their career. About the Role Meesho FS runs two lines of business: SME Lending, which offers Business Loans, and User Lending, which offers BNPL and Personal Loans (PL). User Lending is now our primary focus in this phase of our FS journey. We have 274Mn ATU, and risk management is at the core of building any sustainable credit business at scale - our being a captive audience means both Growth and Risk are an outcome of underwriting, which is owned by the Risk team. Herein also lies one of our biggest challenges: how do we assess the risk of borrowers without any credit history or income data? How can we leverage alternative information to better profile borrowers? How can we leverage our platform uniquely to create a sustained competitive advantage? This person will be responsible for driving the analytics behind these questions for User Lending - creating analytical frameworks, developing high quality analysis, driving insights and actions, and recommending policy decisions, across a well-established BNPL portfolio and a Personal Loans portfolio that is still scaling. Your role will focus on: Owning the risk for one or more segments of the portfolio while maintaining a healthy growth. Analyzing credit policies using Meesho platform data,

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 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. In this role, your work will involve: Product Strategy & Vision: Define and communicate the product strategy and roadmap based on market trends, customer needs, and company goals. Work closely with senior management and stakeholders to align the product strategy with business objectives. Market & User Research: Conduct market research and competitor analysis to identify opportunities, gaps, and market demands. Understand customer needs and translate them into product requirements. Define user personas and use cases to ensure products meet user expectations. Product Development: Collaborate with engineering, design, and marketing teams to deliver products that are functional, user-friendly, and aligned with business goals. Prioritize product features, enhancements, and bug fixes based on customer feedback, technical feasibility, and business impact. Manage the product development lifecycle, including setting timelines and milestones. Cross-Functional Collaboration: Work closely with cross-functional teams (sales, marketing, customer support) to ensure successful product launches. Communicate progress, roadblocks, and product updates with stakeholders and teams across the org