Credit Risk 2lod Senior Officer Jobs

Title: Manager/Sr. Manager - VOC Research About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role:We are looking for a customer-centric and execution-oriented VOC Research Executive to support user research and voice-of-customer initiatives for Paytm Money. The role involves conducting qualitative and quantitative research, managing research operations, and generating actionable insights to improve user experience and business outcomes. ResponsibilitiesManage and maintain focus groups across different investor and trader cohorts for qualitative and quantitative research initiatives. Conduct research with internal and external users to derive actionable insights for business and product teams. Coordinate research operations including vendor payments, user incentive distribution, and participant management. Build detailed user personas across various cohorts such as scalpers, swing traders, and long-term investors. Develop and maintain a knowledge base capturing investor and trader behavior patterns on the platform. Support business and product teams with insights across acquisition, activation, retention, and reactivation journeys. Prepare research summaries, reports, and presentations with clear recommendations. Work closely with cross-functional stakeholders to ensure smooth execution of VOC initiatives. Expectations/ Requirements: Minimum 2 years of Research and Analytics, with Stock Broking Industry experience. Strong communication

Title: AM/DM - VOC Research About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a customer-centric and execution-oriented VOC Research Executive to support user research and voice-of-customer initiatives for Paytm Money. The role involves conducting qualitative and quantitative research, managing research operations, and generating actionable insights to improve user experience and business outcomes. Responsibilities: Manage and maintain focus groups across different investor and trader cohorts for qualitative and quantitative research initiatives. Conduct research with internal and external users to derive actionable insights for business and product teams. Coordinate research operations including vendor payments, user incentive distribution, and participant management. Build detailed user personas across various cohorts such as scalpers, swing traders, and long-term investors. Develop and maintain a knowledge base capturing investor and trader behavior patterns on the platform. Support business and product teams with insights across acquisition, activation, retention, and reactivation journeys. Prepare research summaries, reports, and presentations with clear recommendations. Work closely with cross-functional stakeholders to ensure smooth execution of VOC initiatives. Expectations/ Requirements: Minimum 4 years of Research and Analytics, with Stock Broking Industry experience. Strong communication and stakeholder m

Location: Mumbai, India Experience: 8–10 Years Qualification: CA / MBA (Finance) / CFA or equivalent About the Role- We are looking for an experienced Treasury professional to join our Corporate Treasury & Capital Markets team. The role will be responsible for managing the organization's funding, liquidity, banking relationships, capital market borrowings, treasury operations, and regulatory compliance while ensuring efficient cash management and optimal utilization of financial resources. The ideal candidate will have strong experience in debt capital markets, corporate treasury operations, banking relationships, SAP, and regulatory compliance. Key Responsibilities 1. Capital Markets & Debt Management Structure, execute, and manage short-term and long-term debt instruments including: Commercial Papers (CPs) Non-Convertible Debentures (NCDs) Term Loans Coordinate with credit rating agencies, merchant bankers, debenture trustees, institutional investors, and lending banks. Support fund-raising initiatives and debt optimization strategies. Manage security creation, charge filings (ROC/CERSAI), and all related financing documentation. Monitor debt portfolio, repayment schedules, and borrowing costs. 2. Treasury Investments & Liquidity Management Manage daily liquidity and cash positioning across all bank accounts. Optimize deployment of surplus funds through: Money Market Instruments Mutual Funds Fixed Income Investments Prepare and monitor daily cash flow and liquidity reports. Develop and enhance working capital and cash flow forecasting models. Ensure efficient allocation of funds while minimizing idle cash balances. 3. Banking Relationships & Treasury Operations Manage strategic relationships with banks and financial institutions. Negotiate banking facilities, pricing, and credit limits. Oversee Corporate Banking platforms including: Host-to-Host (H2H) Cash Management Services (CMS) Online Banking Portals Administer banking access controls, user rights, and s

Title: Business Growth - Research & insights About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a highly driven and user-focused Research Lead to build deep customer understanding for Paytm Money. The role involves leading end-to-end research initiatives, collaborating closely with cross-functional stakeholders, and translating user behavior into actionable business and product insights. Responsibilities: Lead end-to-end research initiatives from stakeholder requirement gathering to execution and presentation of actionable insights. Design structured research frameworks, surveys, discussion guides, and user insight mechanisms. Manage and mentor research executives to ensure high-quality project delivery. Collaborate with leadership, business, product teams, and external vendors for customer-centric decision making. Build detailed user personas across investor and trader cohorts such as scalpers, swing traders, and long-term investors. Develop and maintain a centralized knowledge base on investor and trader behavior patterns. Translate research findings into recommendations across acquisition, activation, retention, and reactivation journeys. Work closely with product and growth teams to influence roadmap prioritization using user insights. Expectations/ Requirements: Minimum 4-5 years into Research and Analysis, with exposure to Stock Broking Industry. Strong understanding of qualitative and quantitative rese

TPM - Senior TPM 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. To merchants Paytm offers acquiring devices like Sound box, 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 As a Technical Program Manager, you will collaborate closely with engineering, infrastructure, and partner teams to deliver world-class products. You will represent the team internally in various product and cross-functional initiatives, define priorities, bring clarity, and lead continuous agile development. What You'll Do * Wear multiple hats as TPM, EM, and Product to drive results. * Champion execution, navigate ambiguity, and lead with clear prioritization and goals. * Communicate program plans, status, risks, and mitigation strategies to stakeholders. * Identify key technology solutions/services to define the team roadmap. * Drive internal process improvements across multiple teams and functions. * Communicate effectively with both technical and non-technical individuals. Skills That Will Help You Succeed * 10 to 14 years of experience handling complex programs across multiple teams. * Understanding of Software Development & Release Processes. * Experience navigating ambiguity and building programs from scratch. * Strong oral and written communication skills. * Ability to think clearly, analyze quantitatively, problem-solve, and prioritize. * Proven track record of driving impact for users & business. * Desirable: Analytical skills and experience with tools like Tableau. Why join us : Because

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: 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. About the Role: This role is focused on Growth/Data Analytics, where you use data to understand customer behavior, improve marketing performance, and drive business growth. The job involves working with tools like SQL, Excel, Tableau/Looker, and Python/R to analyze data, build customer segments, and optimize acquisition, engagement, and retention campaigns. You’ll collaborate closely with teams such as Marketing, Product, Finance, and Tech to make data-driven decisions and improve business outcomes. The role suits candidates who enjoy problem-solving, storytelling with data, and working in a fast-paced, cross-functional environment. Key Responsibilities 1. You are a dynamic problem solver, driven by a passion for data and the compelling narratives it reveals. 2. Constantly challenging the status quo, you possess a keen ability to understand and navigate its complexities. 3. Graduates/Post Grads from Tier 1/2 colleges with Engineering, Management/ Finance background are preferred. 4. Strong workin

About Us Paytm is India’s leading digital payments and financial services company, focused on driving consumers and merchants to its platform through a wide range of payment and financial solutions. Paytm enables consumers with services such as utility payments, money transfers, and digital commerce, while offering payment instruments including Paytm Wallet, UPI, Paytm Payments Bank Netbanking, FASTag, and Paytm Postpaid (Buy Now, Pay Later). For merchants, Paytm provides acquiring and payment solutions such as Soundbox, EDC, QR, and Payment Gateway services, enabling seamless payment acceptance across online and offline channels. About the Team The team is part of Paytm’s Merchant Lending vertical and is responsible for driving merchant loan and merchant cash advance businesses across India. The team plays a key role in enabling merchant growth through financial inclusion and credit accessibility. Role Overview We are looking for a dynamic and execution-oriented Process Trainer to support the Merchant Lending business. The role involves designing and delivering engaging learning experiences, building scalable capability programs, and driving learning effectiveness across the Lending Merchant ecosystem. The ideal candidate will work closely with business stakeholders and Subject Matter Experts (SMEs) to simplify complex domain knowledge into impactful learning content and training interventions. The role will also focus on digitization of learning content and strengthening capability-building initiatives across teams. Key Responsibilities Learning Partnership & Capability Building Act as the Learning Partner for the Merchant Lending business, demonstrating strong domain understanding. Build and strengthen the Lending Merchant Training function focused on capability development, SOP effectiveness, and learning engagement. Identify business capability gaps and design behavioral and functional training interventions. Content Development & Training Delivery Develop e

Title : HRBP – Manager / Sr. Manager About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a dynamic and business-oriented HRBP professional to partner closely with business leaders at Paytm Money. This role requires someone who can independently manage end-to-end HRBP responsibilities, drive people initiatives, influence stakeholders, and contribute strategically to business growth. The ideal candidate should have a strong business partnership mindset, executive presence, and the ability to balance employee engagement with business priorities in a fast-paced, high-growth environment. Responsibilities:• Partner closely with business leaders and managers to understand business priorities and align HR strategies accordingly.• Drive end-to-end HRBP responsibilities including employee engagement, performance management, employee relations, talent discussions, and organizational effectiveness.• Act as a trusted advisor to stakeholders and provide guidance on people-related matters and team effectiveness.• Lead and drive employee engagement initiatives to enhance culture, collaboration, and retention.• Support managers in driving performance conversations, people development, and team productivity.• Identify people's challenges proactively and drive practical, business-oriented solutions.• Drive ownership and accountability across teams while ensuring a positive employee experience.• Collaborate with Talent Acquisition, Learning

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 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

Data Engineering – Technical Lead 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. To merchants, Paytm 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: This position requires someone to work on complex technical projects and closely work with peers in an innovative and fast-paced environment. For this role, we require someone with a strong product design sense & specialized in Hadoop and Spark technologies. Requirements: 4 to 8 years of experience in Big Data technologies. The position Grow our analytics capabilities with faster, more reliable tools, handling petabytes of data every day. Brainstorm and create new platforms that can help in our quest to make available to cluster users in all shapes and forms, with low latency and horizontal scalability. Make changes to our diagnosing any problems across the entire technical stack. Design and develop a real-time events pipeline for Data ingestion for real-time dash- boarding.Develop complex and efficient functions to transform raw data sources into powerful, reliable components of our data lake. Design & implement new components and various emerging technologies in Hadoop Eco- System, and successful execution of various projects. Be a brand ambassador for Paytm – Stay Hungry, Stay Humble, Stay Relevant! Skills that will help you succeed in this role: Fluent with Strong hands-on experience with Hadoop, MapReduce, Hive, Spark, PySpark etc.Excellent progr

Title: Sr. Manager/DGM - User Investing Growth - Algo + Partnership About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a highly driven and partnership-focused professional to lead growth initiatives for Algo Trading and Strategic Partnerships at Paytm Money. The role involves driving derivative trading growth through the algo ecosystem, managing strategic fintech partnerships, and expanding the API and trading partner ecosystem for Paytm Money. Responsibilities : Drive MTUs and derivatives trading volume through algo trading initiatives and ecosystem partnerships. uild and manage partnerships with algo trading platforms, strategy providers, API partners, and fintech ecosystems. Own onboarding, activation, and growth of algo/strategy partners on Paytm Money. Collaborate closely with product and engineering teams to improve Algo API adoption and ecosystem scalability. Develop commercial models including revenue sharing, API monetization, and partner-led acquisition opportunities. Track partner performance, active usage, engagement metrics, and revenue contribution through dashboards and business reviews. Identify new growth opportunities within the retail algo trading, derivatives, and F&O ecosystem. Coordinate partner launches, campaigns, integrations, and ecosystem initiatives with cross-functional teams. Build and maintain strong relationships with fintech partners, trading communities, brokers, and industry stakeholders

Title: Sr. Manager/DGM - User Investing Growth. About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role: We are looking for a growth-oriented and customer-focused professional to drive user acquisition, engagement, and retention for SIP, ETF, and Trading Ideas businesses at Paytm Money. The role requires strong analytical thinking, growth strategy execution, and collaboration across product, content, and business teams to enhance investment journeys and user engagement. Responsibilities : Drive user acquisition and engagement for ETF, SIP, and Research Content products. Develop strategies to improve SIP registrations, active SIPs, and SIP continuation rates. Grow ETF trading volume and AUM through targeted campaigns, investor education, and engagement initiatives. Collaborate with the content and research teams to ensure investment insights drive user engagement and conversions. Analyze investment patterns, user cohorts, and drop-off points to optimize investment funnels and customer journeys. Design lifecycle campaigns to convert one-time investors into long-term systematic investors. Monitor and improve key metrics such as SIP MTU, ETF AUM, research engagement, and retention rates. Partner with product and UX teams to improve onboarding, discovery, and investment experiences. Conduct market research and competitive benchmarking to understand customer behavior and industry trends. Prepare periodic business reviews, performance reports, and acti

Engineering Manager - Backend 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. To merchants, Paytm 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: As a Engineering Manager, you will help define the technical design and implementation roadmap across multiple solutions and will work with engineering leadership to ensure we resource and equip our squads with the right expertise to deliver those solutions. Requirements: 8 to 12 years of strong software design/development experience in building massively large scale distributed internet systems and products Hands on experience in Advance Java, Spring boot, AWS, Node, Agentic AI, LLM, RAG, Cursor, Copilot Experience and knowledge of open source tools & frameworks, broader cutting edge technologies around server side development Should be an active contributor to developer communities like Stack overflow, Top coder, Git hub, Google Developer Groups (GDGs). Superior organization, communication, interpersonal and leadership skills. Must be a self-starter who can work well with minimal guidance and in fluid environment. Preferred Qualifications : Bachelor's/Master's Degree in Computer Science or equivalent Skills that will help you succeed in this role: Expertise in Java, DB: RDBMS, Messaging: Kafka/RabbitMQ, Caching: Redis/Aerospike, Micro services, AWS Strong experience in scaling, performance tuning & optimization at both API and storage layers Probl

Title: Business Head - Equity About Us: Paytm is India's leading digital payments and financial services company. Our platform offers a wide range of payment solutions to consumers and merchants, including utility payments, money transfers, and Paytm Payment Instruments (PPI) such as Paytm Wallet, Paytm UPI, and Paytm Payments Bank Net-Banking. We also provide merchant services, advertising, and a Mini app store. With a focus on growth and engagement, we leverage data science to drive sustainable success. We offer credit services sourced from financial partners to further support merchants. About the Role:We are looking for a growth-oriented and data-driven professional to drive user acquisition, activation, and retention for Intraday Trading and IPO businesses at Paytm Money. The role requires strong analytical thinking, campaign management capabilities, and collaboration across product, marketing, and analytics teams to improve user engagement and business growth. Key Responsibilities: Business Growth & Ownership. Own and drive Monthly Transacting Users (MTUs) across all Equity products including Delivery, Intraday, ETFs, IPOs, Trading Ideas, Baskets, Bonds, NPS, and SIPs. Define and execute business strategies to drive user acquisition, activation, engagement, and retention across the Equity ecosystem. Identify growth opportunities and build initiatives to increase market share in the cash segment. Product Strategy & Roadmap. Develop product vision and business roadmaps for Equity products. Partner closely with Product and Technology teams to prioritize, build, and launch features that drive customer growth and business outcomes. Monitor product performance, customer behavior, and market trends to continuously refine the roadmap. Go-to-Market (GTM) & Customer Growth: Design and execute GTM strategies for new product launches, feature rollouts, and business initiatives. Collaborate with Marketing, CRM, and Growth teams to maximize adoption and engagement acro