Consumer Operations Jobs

Technical Lead - Backend 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 Tech Lead for the Gold Tech team to drive technical direction, architecture, and delivery of Paytm Digital Gold — a high-scale bullion platform serving consumer and merchant use cases at lakhs+ rpm. This role combines hands-on engineering with technical leadership — you will architect solutions, unblock the team, own critical money-path reliability, and partner with Product and Engineering leadership on roadmap and execution. We are building reliable, high-availability financial products and need a Tech Lead who can own modules end-to-end, raise the bar on code quality, and mentor junior engineers. Key Responsibilities: ● Define and evolve technical architecture for Gold services — scalability, reliability, security, and maintainability. ● Lead design and implementation of high-availability, high-volume transactional systems. ● Own end-to-end delivery of major initiatives — breakdown, estimation, risk management, and production rollout. ● Set engineering standards: code quality, review practices, testing strategy, observability, and incident response. ● Drive cross-service integration design. ● Guide the team on Kafka event design, scheduler orchestration, CDC pipelines, and data consistency patterns. ● Mentor and grow engineers (SSE and below); conduct reviews, pair on complex problems, and build team capability. ● Contribute hands-on to critical modules; unblock the team on complex bugs, performance issues, and production fires. ● Represent Gold Tech in architecture reviews, tech debt prioritization, and platform-wide initiatives. Skills Required: ●

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 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. Skills that will help you succeed in this role - 3–6 years of core Product Management experience, specifically within high-growth consumer or partner-facing product charters. - Proven track record in scaling products and owning KPI outcomes, preferably at new-age internet leaders (e.g., Zomato, Swiggy, Flipkart, Amazon, MMT or equivalent). - Strong preference for candidates with platform-thinking capabilities - those who can look beyond the immediate sprint to architect 1-year scalable roadmaps across multiple business verticals. - Must possess a 'data-first' mindset, with the ability to move beyond basic reporting to derive actionable insights - Hands-on experience with product analytics suites (e.g., Amplitude, Mixpanel, Google Analytics or Clevertap) and prevalent visualization tools - Candidates with hands-on experience of building Data Science, Machine Learning, AI native products to be preferred. - Hands-on experience in using AI tools or Agentic AI for wireframing, workflows, prototyping, documentation, data analysis & generating insights. 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 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, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers

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 Travel is the travel and ticketing platform of Paytm, offering seamless booking services for flights, trains, buses, hotels, and other travel-related needs. The platform leverages technology to simplify travel planning and booking for millions of users across India, providing a convenient, secure, and user-friendly experience through the Paytm ecosystem. Responsibilities: 1)Support the roadmap for a key consumer-facing product within the travel ecosystem, owning well-defined features and flows end to end. 2) Collaborate cross-functionally with design, engineering, and business teams to deliver features that resonate with users. 3) Participate in technical discussions, building an understanding of system design and architecture to make informed decisions. 4)Leverage AI technologies like LLMs (e.g. GPT, Claude), retrieval-augmented generation (RAG), recommendation systems, and conversational agents to enhance product intelligence and personalization. 5)Balance speed and quality, prioritizing rapid iterations over perfection to meet market demands. 6)Dive into product metrics and user funnels to identify opportunities and measure impact of shipped features. Requirements: 1)2+ years of product management experience in consumer internet companies (preferred); strong candidates from analytics, engineering, or design backgrounds transitioning into product are encouraged to apply. 2)Mobile product experience (Android, iOS) is a must, with a keen eye for user experience. 3)Should be able to have brainstorming discussions with tech on flutter vs native app. 4)Exposure to or curiosity about AI age

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. Skills that will help you succeed in this role - 3–6 years of core Product Management experience, specifically within high-growth consumer or partner-facing product charters. - Proven track record in scaling products and owning KPI outcomes, preferably at new-age internet leaders (e.g., Zomato, Swiggy, Flipkart, Amazon, MMT or equivalent). - Strong preference for candidates with platform-thinking capabilities - those who can look beyond the immediate sprint to architect 1-year scalable roadmaps across multiple business verticals. - Must possess a 'data-first' mindset, with the ability to move beyond basic reporting to derive actionable insights - Hands-on experience with product analytics suites (e.g., Amplitude, Mixpanel, Google Analytics or Clevertap) and prevalent visualization tools - Candidates with hands-on experience of building Data Science, Machine Learning, AI native products to be preferred. - Hands-on experience in using AI tools or Agentic AI for wireframing, workflows, prototyping, documentation, data analysis & generating insights. 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 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, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving cons

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: We are the Central Data and AI Product team, responsible for building and managing the analytical products and datasets that power decision-making across Paytm. We’re rebuilding how analytics gets done at the company. As a central product team, we drive the build and adoption of our data platform in close partnership with consumer teams across business verticals (Online Payments and Offline Payments) and functions (Growth, Risk, Data Science). About the Role: This is a senior Data Product Management role for someone who enjoys marrying business analytics problems to simplified data design solutions. You will own a portfolio within the Central Data and AI Product charter, lead a small, high-leverage team (1–2 PMs and 1 analyst), and partner with engineering and business stakeholders to ship products that scale across the organisation. Key Responsibilities: * Lead and grow a team of product managers and analysts (1–2 PMs and 1 analyst) — hiring, coaching, performance management, and career development. * Drive the end-to-end data product development lifecycle — from discovery and scoping through delivery, adoption, and iteration. * Define and articulate the product vision, strategy, and roadmap in alignment with company goals and market trends. * Partner with cross-functional teams — business, growth, risk, and data science — to understand customer needs and align product offerings to work cleanly with agentic analytical workflows. * Work closely with engineering on technical design, development, sprint planning, and prioritisation across our stack (AWS, Spark, EMR, EC2, Hive, Trino, Superset)

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 Paytm's digital advertising vertical that offers innovative ad solutions to clients across industries It offers advertisers the opportunity to engage with 300Mn+ users who interact with over 200 payment & retail services, online and offline - offered on the Paytm app. Paytm Ads maps the user transactions to their lifestyle choices and creates customized segmentation cohorts for sharp shooting ad campaigns to the most relevant TG. Expectations/ Requirements We are hiring for the role of Government Ad Sales for FMCG, Consumer. Internet, Gaming verticals. The responsibilities would be as follows:  Become an expert in Paytm Ads solutions for businesses of all sizes and adapt recommendations quickly to suit varying client needs Experience in handling Government clients is must.  Own end-to-end key business metrics like ads revenue, educate and lead strategic conversations with clients and navigate complex relationships  Be the voice of Paytm ads in the industry and present Paytm's advertising solutions to CXOs, media heads, brand managers, agency partners of large brands in the market  Build a strong pipeline of media briefs and respond with customized pitches and proposals aligned with the client’s business and marketing objectives  Work closely with the campaign delivery and optimization team to monitor and deliver expected results to the advertiser  Lead initiatives which require significant cross team collaboration to build innovative advertising solutions for key advertisers  Provide constant feedback to the product team to improve advertising performance and customer exper

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 Paytm's digital advertising vertical that offers innovative ad solutions to clients across industries It offers advertisers the opportunity to engage with 300Mn+ users who interact with over 200 payment & retail services, online and offline - offered on the Paytm app. Paytm Ads maps the user transactions to their lifestyle choices and creates customized segmentation cohorts for sharp shooting ad campaigns to the most relevant TG. Expectations/ Requirements We are hiring for the role of Government Ad Sales for FMCG, Consumer. Internet, Gaming verticals. The responsibilities would be as follows:  Become an expert in Paytm Ads solutions for businesses of all sizes and adapt recommendations quickly to suit varying client needs Experience in handling Government clients is must.  Own end-to-end key business metrics like ads revenue, educate and lead strategic conversations with clients and navigate complex relationships  Be the voice of Paytm ads in the industry and present Paytm's advertising solutions to CXOs, media heads, brand managers, agency partners of large brands in the market  Build a strong pipeline of media briefs and respond with customized pitches and proposals aligned with the client’s business and marketing objectives  Work closely with the campaign delivery and optimization team to monitor and deliver expected results to the advertiser  Lead initiatives which require significant cross team collaboration to build innovative advertising solutions for key advertisers  Provide constant feedback to the product team to improve advertising performance and customer exper

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 Summary We are looking for a high-ownership Central Growth manager to drive measurable monetization outcomes across the Paytm consumer app. This role will own the “growth & monetization levers to increase ARPU, engagement, and category adoption, while maintaining tight ROI discipline. You will work cross-functionally with Product, Data Science, Marketing, and Ops to identify the highest ROI opportunities, build scalable offer frameworks, and improve conversion across key discovery journeys. The mandate is to build a stronger, more profitable consumer growth business. Key Responsibilities 1) Own app monetization outcomes (ARPU + engagement) Drive consumer monetization KPIs: ARPU uplift, conversion to paid/monetized actions, repeat usage, category adoption, and engagement depth Identify growth pockets across categories (e.g., RU, bill pay, commerce, travel, financial products) and scale what works. 2) Traffic strategy & allocation (maximize ROI) Build a traffic allocation strategy across app surfaces and journeys to maximize incremental ARPU and engagement Partner with DS/Product to create routing/next-best-action models and run continuous optimization via experiments Manage trade-offs across categories (where to push, when to hold, and how to protect user experience). 3) Monetization-led cross-sell (embed in discovery journeys) Scale new cross-sell avenues by embedding monetization hooks in high-frequency moments Improve funnel steps: message clarity, eligibility communication, UX friction reduction, and conversion rates. 4) Experimentation engine & growth ops Run structured experimentation: hypothe

About the Role We are looking for an experienced Customer Retention & Loyalty Manager to drive customer engagement, repeat transactions, and long-term customer value. The ideal candidate will own retention strategy, loyalty programs, CRM campaigns, and lifecycle marketing initiatives to improve customer stickiness and maximize Customer Lifetime Value (LTV). The role requires a strong understanding of customer behavior, data analytics, CRM platforms, and loyalty frameworks, preferably in Travel, E-commerce, Fintech, or Consumer Internet businesses. Key Responsibilities Define and execute customer retention and loyalty strategies across customer lifecycle stages. Design and manage loyalty programs, membership offerings, rewards, cashback, and engagement initiatives. Drive repeat transactions and improve customer retention metrics through targeted CRM campaigns. Develop customer segmentation and personalization strategies using behavioral and transactional data. Own lifecycle communication across Push, Email, SMS, WhatsApp, and in-app channels. Monitor and optimize key metrics such as Retention Rate, Churn Rate, Repeat Purchase Rate, Engagement Rate, and LTV. Conduct cohort analysis and identify opportunities to improve customer stickiness. Partner with Product, Growth, Marketing, Analytics, and Business teams to launch retention initiatives. Drive A/B testing and experimentation to improve campaign performance and customer engagement. Build dashboards and reporting mechanisms to track loyalty and retention performance. Manage CRM and marketing automation platforms for campaign execution and optimization. Requirements 8+ years of experience in Customer Retention, Loyalty, CRM, Lifecycle Marketing, or Customer Engagement. Experience in Travel, E-commerce, Fintech, Consumer Internet, or Digital Platforms preferred. Proven track record of improving retention, repeat transactions, and customer lifetime value. Hands-on experience with CRM too

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. Roles‌ ‌& ‌Responsibilities:- ● Lead the P&L responsibility for RU & transit categories along with focus on bottomline enhancing strategies, optimising costs and delivering revenue targets. ● Own the business growth charter and work closely with central teams to strategize and coordinate user and value growth. ● Devise innovative user growth strategies in line with the category’s vision and business goals to increase the category’s presence on and off the app. ● Work closely with management to share funnel conversion improvement ideas, feedback & present results. ● Identify demand levers by thoroughly understanding consumer behavior and building offerings around it. ● Identifying user cohorts and run custom growth campaigns to drive user activation and user reactivation for growth. ● Define user acquisition and user retention strategies. ● Monitor market trends, research consumer markets, and competitors’ activities. ● Have an understanding of marketing and consumer behavior, experience in deploying successful marketing campaigns, and take ownership of implementation, tracking, and analytics. ● Create and execute a strong performance marketing strategy & execution plan for building awareness and driving conversions. ● Measure and report the performance of all marketing campaigns, and assess ROI and KPIs to track their efficacy over time Competencies. ● P&L Ownership ● Category Management. ● Offline, CLM Marketing & Performance Marketing. ● GTM Strategy. ● Product Strategy. ● Advance MS-Office, MS-Excel skills The‌ ‌Ideal‌ ‌Candidate‌ Must Have: ● 5-7‌ ‌years‌ ‌of‌ experience‌ ‌in‌ bill payments/transit or

We’re building a world of health around every individual — shaping a more connected, convenient and compassionate health experience. At CVS Health®, you’ll be surrounded by passionate colleagues who care deeply, innovate with purpose, hold ourselves accountable and prioritize safety and quality in everything we do. Join us and be part of something bigger – helping to simplify health care one person, one family and one community at a time. We're seeking a Senior Art Director, Social & Content to join Heart Haus, the internal creative agency for CVS Health. This role is ideal for a creative who combines strategic thinking, strong conceptual skills, and exceptional hands-on design expertise. The successful candidate will develop breakthrough ideas, create engaging content experiences, and help evolve the brand across social, digital, and emerging platforms. The ideal candidate is plugged into culture, consumer behavior, emerging technologies, and evolving social trends. They are naturally curious, digitally fluent, and actively explore AI-powered tools and new creative approaches to enhance innovation, efficiency, and impact. Description: The Senior Art Director develops innovative, audience-centric creative across social media, digital marketing, content ecosystems, video, and integrated campaigns. Working closely with Creative Directors, Writers, Marketing Strategy, Social Marketing, Production, and Brand teams, this role transforms business objectives and audience insights into compelling creative solutions that drive awareness, engagement, consideration, and growth. This individual serves as a bridge between concept and execution, bringing ideas to life through thoughtful design, visual storytelling, and a deep understanding of social-first content. They are equally comfortable prese

Become a part of our caring community The Senior Software Engineer codes software applications based on business requirements. The Senior Software Engineer work assignments involve moderately complex to complex issues where the analysis of situations or data requires an in-depth evaluation of variable factors. The Senior Software Engineer standardizes the quality assurance procedure for software. Oversees testing and debugging and develops fixes. Researches complaints and makes necessary adjustments and/or recommendations to resolve complex software related issues. Begins to influence department's strategy. Makes decisions on moderately complex to complex issues regarding technical approach for project components, and performs work without direction. Exercises considerable latitude in determining objectives and approaches to assignments. Collaborates with Business partners and Solution and Application architects in designing software solutions Use your skills to make an impact Required Qualifications Bachelor's Degree in Computer Science or related field 5 or more years of experience designing, developing, and testing of software applications and/or infrastructure Must be passionate about contributing to an organization focused on continuously improving consumer experiences 5+ years’ experience with Workday integration techniques including RaaS, API, Cloud Connector, and EIB 4+ years’ experience collaborating with HR, Talent, Payroll, Benefits, and Learning teams 3+ years’ experience with Workday architecture and data structures 3+ years’ experience working with protected information 2+ years’ experience implementing Workday security including SSO and MFA Preferred Qualifications Master's

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Lead Software Engineer Our Purpose We connect and power an inclusive digital economy that benefits everyone, everywhere. We enable safe, simple, smart, and accessible transactions through secure data, strong networks, partnerships, and innovation. Our culture is driven by our Decency Quotient (DQ), fostering inclusion, respect, and diversity. We believe that diverse perspectives strengthen decision-making, drive innovation, and deliver better business outcomes. About the Role The Mastercard Authentication Program owns how consumer authentication works for both in-store and e-commerce transactional use cases. The primary purpose of this role is to develop and deliver best-of-breed authentication products for e-commerce transactional use cases that will drive uptake and penetration for the products and revenue for Mastercard. The authentication products that fall within this role’s responsibilities are ID Check, Token Authentication Service and Token Authentication Framework. If you want a challenging project that is changing the way people make payments, this is the role for you! Role As a Lead Software Engineer, you will be responsible for: • Design and develop secure, reliable, and scalable solutions for globally distributed customer-facing products • Support dev

Our Purpose Mastercard powers economies and empowers people in 200+ countries and territories worldwide. Together with our customers, we’re helping build a sustainable economy where everyone can prosper. We support a wide range of digital payments choices, making transactions secure, simple, smart and accessible. Our technology and innovation, partnerships and networks combine to deliver a unique set of products and services that help people, businesses and governments realize their greatest potential. Title and Summary Manager, Financial Planning & Analysis Manager, Financial Planning & Analysis Overview: Mastercard is a global technology company in the payments industry. Our mission is to connect and power an inclusive, digital economy that benefits everyone, everywhere by making transactions safe, simple, smart, and accessible. Using secure data and networks, partnerships and passion, our innovations and solutions help individuals, financial institutions, governments, and businesses realize their greatest potential. Our decency quotient, or DQ, drives our culture and everything we do inside and outside of our company. With connections across more than 210 countries and territories, we are building a sustainable world that unlocks priceless possibilities for all. The Identity team resides within Mastercard’s Services organization. Mastercard Identity provides a complete view of the consumer digital identity footprint and the digital patterns it makes throughout the online journey. Identity is instrumental in developing solutions that transform the way consumers are authenticated and identity is verified. The Financial Planning & Analysis function manages all aspects of management reporting encompassing budgeting and forecasting, strategic and customer planning. This includes the management and exec