Senior Payments Optimisation Manager in India

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 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: As an Senior Engineering Manager, you will be developing the detailed design structure, implementing the best practices and coding standards, leading a team of developers for successful delivery of the project. You will be working on design, architecture and hands-on coding. Requirements: 9 to 13 years in Technical development with 5+ years in Providing technical leadership for high performance teams. Work closely with business and product teams to understand the requirements, drive design, architecture and influence the choice of technology to deliver solutions working closely with architects and leadership team. Build robust, scalable, highly available and reliable systems using Micro Services Architecture based on Java, Spring boot. Improve Engineering and Operational Excellence by identifying and building the right solutions for observability and manageability. Keep the tech stack current with the goal to optimize for scale, cost and performance. Migrate workloads to public cloud. Attitude to thrive in a fun, fast-paced environment. Serve as a thought leader and mentor on technical, architectural, design and related issues. Proactively identify architectural weaknesses and recommend appropriate solutions. Preferred Qualification : Bachelor's/Master's Degree in Computer Science or equivalent Skills that will help you succeed in this role: Tech Stack: Lang: 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 Hands-on leader, and problem solver with a passion for e

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. Role Overview We are seeking a Database STL (Individual Contributor) with deep expertise in MySQL and strong working knowledge of MongoDB, PostgreSQL, and Cassandra. This role combines hands-on database administration and optimization with strategic ownership of database reliability, automation, and cloud adoption. The candidate will lead by example—driving technical excellence, influencing best practices, and partnering cross-functionally with DevOps, SRE, and product engineering teams to deliver highly available, secure, and scalable database platforms. Key Responsibilities 1. End-to-End Ownership of MySQL databases in production & staging—availability, performance, and reliability. 2. Architect, manage, and support MongoDB, PostgreSQL, and Cassandra clusters for scale and resilience. 3. Define and enforce backup, recovery, HA, and DR strategies across all critical database platforms. 4. Drive database performance engineering—tuning queries, optimizing schemas, indexing, and partitioning for high-volume workloads. 5. Own replication, clustering, and failover architectures ensuring business continuity. 6. Champion automation & AI-driven operations—design self-healing scripts, predictive scaling, and proactive monitoring solutions. Collaborate with Cloud/DevOps teams on AWS database services (RDS, Aurora, DynamoDB, EC2, S3) to optimize cost, security, and performance. 7. Establish monitoring dashboards & alerting mechanisms for slow queries, replication lag, deadlocks, and capacity planning. Ensure compliance & security standards—encryption, auditing, and regulatory requirements. 8. Lea

Title: Senior SDET 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: A technology platform that provides all participants with benefits of scale in collections. The product has a single minded focus, non-biased/ underwriting influenced optimization which produces better results than individual lenders can. The product uses innovative AI engines and ML models to provide insights. About the role: Experience in testing of Web/mWeb, mobile app and API. Help in automation as per project needs (UI/API). Expectations/ Requirements · Educational qualification: BE/ B.tech/ MCA/ M.tech · Require 2 - 6 years of experience in manual (functional, regression, sanity, integration) and automation (Selenium/Appium/API) testing · 2+ years of relevant experience in Automation and Manual Testing. · 2+ years of experience in Automation, Selenium and Java. · Should have experience using any framework like - Cucumber / BDD / Any other. · Should have experience using any framework like Rest Assured. · Analyzing requirements/PRD and creating test cases. · Should be well versed in sanity, functional, re-testing, integration and regression testing. · Experience in Web, mWeb, mobile application testing. · Experience in API (Web Services) testing. · Experience in writing SQL queries and exposure to MySQL DB. · Should be well versed in defect life cycle and have hands-on experience in Jira. · Working experience in Linux. · Understands aspects of Agile methodology. · Experience in Selenium Web Driver/Appium. · Experience in API automation. · Experience in Programming lan

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 Senior Data Scientist-2 Overview Product Data & Analytics is a centralized global team that enables Mastercard product business units to make better data‑driven decisions. We build internal analytics partnerships that strengthen focus on business performance, portfolio and revenue optimization, initiative tracking, new product development, and go‑to‑market strategies. These capabilities are underpinned by our data platforms that enable insights to be delivered in a standardized, scalable, and cost‑efficient manner. Key Responsibilities Strategic Support • Design and implement value enablement frameworks that optimize pricing strategies, enhance pre-sales propositions, and ensure customer success. • Collaborate with global and regional teams to tailor solutions that meet regional business needs and align with Mastercard's objectives. • Provide data-driven insights and recommendations to optimize pricing, pre-sales strategies, and customer success outcomes. • Develop frameworks, project structures, and presentations to communicate key strategic initiatives. • Conduct data integrity checks and ensure quality and reliability in data used for analysis. • Translate complex business problems into analytical solutions that support strategic decision-making. Technical Leadersh

Job Title: Senior QA Engineer - Performance Testing Paytm is India's leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution in India, Paytm builds technologies that empower small businesses with payments and commerce solutions. Paytm’s mission is to serve half a billion Indians and bring them into the mainstream economy through the power of technology. About the Role: We are seeking a skilled Performance Test Engineer to design, execute, and analyze performance tests to ensure application scalability, stability, and responsiveness under varying load conditions. The ideal candidate will have hands-on experience with industry-standard performance testing tools and a strong understanding of system architecture, monitoring, and troubleshooting. Expectations/ Requirements Develop comprehensive performance test strategies and plans aligned with system requirements, project timelines, and business goals. Understand application architecture and identify critical business transactions for performance validation. Design realistic workload models to simulate real-world usage scenarios. Create, maintain, and execute performance test scripts using tools such as JMeter, LoadRunner, Gatling, or similar. Conduct baseline, load, stress, and scalability testing to evaluate system behavior under different conditions. Monitor system performance using tools like Influx DB, Grafana, JVM monitoring tools, and MAT (Memory Analyzer Tool). Analyze test results to identify performance bottlenecks and system limitations. Collaborate with development and infrastructure teams to troubleshoot and resolve performance issues. Assess system scalability and recommend optimizations to improve performance and reliability. Generate detailed performance test reports, including metrics, findings, and actionable recommendations. Work with stakeholders to gather and validate Non-Functional Requirements (NFRs), SLAs, and KPIs. Perform API an

Airbnb was born in 2007 when two hosts welcomed three guests to their San Francisco home, and has since grown to over 5 million hosts who have welcomed over 2 billion guest arrivals in almost every country across the globe. Every day, hosts offer unique stays and experiences that make it possible for guests to connect with communities in a more authentic way. The Community You Will Join: Payments is key for any healthy marketplace, and is just as central to our product at Airbnb. The Payments organization at Airbnb is responsible for everything related to settling money in Airbnb’s global marketplace and makes the Payment experience as delightful, magical, intuitive, and easy as possible. At the Payments team, our goal is to build and operate scalable systems that power payments ecosystems, host/guest protections as well as community partner experiences applying core engineering principles that leverage both time-tested and cutting edge technology. The Difference You Will Make: As a Senior Staff Engineering for Payments, you will provide overarching guardrails on evolution of the architecture with special focus on Community Partner experiences, catering evolving business needs and coaching other engineers on the team. You will envision and design decision support systems, knowledge management systems as well as workflow orchestration systems that can harness various AI advancements. You will define and drive the architecture strategy, work on cross-functional teams to align on organizational initiatives, set standards and help in governance. You will be a player-coach; in that you will be hands-on when a situation arises (player mode) and hands-off where there is opportunity for other engineers to grow and gain experience (coach mode). A Typical Day: As a Senior Staff Software Engineer, Payments you will: Collaborate with other senior leaders to define and drive long-term technical strategy and architecture that enables the company’s future vision. Estab

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. Job Purpose The Corporate Development team drives the company's long-term growth and strategic evolution. As a Senior Corporate Development team member, you will own the end-to-end inorganic growth roadmap — from scouting and originating deals through evaluation, execution, and handoff to integration. You will bring deep, hands-on experience from the venture capital ecosystem and act as a primary connector between external market opportunities and internal executive leadership. Key Responsibilities 1. Strategy & Market Intelligence • Partner with senior executives to define and refine the company's inorganic growth roadmap • Run continuous macroeconomic and industry research to surface emerging trends, market disruptions, and high-fit targets • Track market developments, precedent transactions, and comparable companies • Own and maintain a proactive pipeline of acquisition, investment, and partnership targets 2. Deal Scouting & Sourcing • Actively scout and originate deals across the VC ecosystem — founders, venture funds, growth investors, and strategic networks • Build and deepen relationships with VCs, investment bankers, PE firms, and target company leadership • Screen inbound and outbound opportunities against corporate strategic criteria with clear go/no-go judgment • Develop sharp strategic rationale and business cases for C-suite and Board review 3. Deal Management • Own the deal book: prioritization, stage tracking, stakeholder alignment, and decision cadence • Coordinate due diligence and manage data rooms on live transactions • Orchestrate internal cross-functional teams (Legal, Finance, Tax, HR

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 Role: We are seeking an experienced L2 Network & Security Engineer to join our team. As an integral part of our network operations, you will play a crucial role in maintaining and securing our infrastructure. If you have a passion for networking, security, and troubleshooting, we’d love to hear from you! Job Location: Noida Responsibilities: Install and Support: Deploy and maintain LANs, WANs, and network segments. Support Coordination: Collaborate with equipment vendors for troubleshooting and configuration standardization. Firewall Management: Handle firewall configurations to ensure security and optimal performance. Switch Expertise: Maintain a strong understanding of LAN switching technologies, including VLANs, RSTP, ACLs, and Virtual Chassis. Capacity Planning: Recommend network capacity planning strategies. Proactive Maintenance: Plan and execute proactive maintenance for disaster recovery. Network Monitoring: Monitor networks for security, reliability, and availability. Key Skills Required: He/She/They should have 3-6 Yrs. of overall IT experience. Firewalls: Proficient in configuring, managing, and troubleshooting FortiGate and Palo-Alto firewall. Network Switches: Skilled in handling Cisco, Juniper, and Huawei switches. Wireless: Familiarity with Aruba, Cisco controllers and access points. Cloud Expertise: Experience with AWS and Zscaler Private Access. Network Protocols: Sound knowledge of various network protocols and ports. Security Technologies: Familiarity with IPSec, SSL VPN, IDS, and IPS. Additional Skills: Routing and Switching: Prior experience in routing and switching. Communication: S

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: He/She/They will troubleshoot, debug, evaluate and resolve customer impacting issues with a focus on detecting patterns and working with the engineering development and/or product teams to eliminate defects. The position requires a combination of strong troubleshooting, technical, communication and problem solving skills. This job requires you to constantly hit the ground running and your ability to learn quickly and work on disparate and overlapping tasks will define your success. Educational qualification: Good knowledge of Linux environment and having an idea about shell scripting. Good knowledge of SQL. Basic knowledge of AWS. Basic knowledge of Java. Rest API working experience to execute curl, analysing request and response, HTTP codes etc. Should be familiar with regular networking protocols (DNS, HTTP(S), SSH, FTP, SMTP) and its use cases. Why join us · Because you get an opportunity to make a difference, and have a great time doing that. · You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve. · You should work with us if you think seriously about what technology can do for people. · We are successful, and our successes are rooted in our people collective energy and unwavering focus on the customer, and that's how it will always be. 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 & merchants – and we are committed to it. India

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 Team: The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults. About the Role: We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business. Key Responsibilities: * Define and drive the product roadmap for merchant lending risk. * Build and scale rule engines (BRE), decision engines, and model orchestration layers. * Implement audit-ready decision logs and explainability layers. * Build robust policy versioning and experimentation infrastructure. * Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring. Requirements: * 5+ years of product management experience in the consumer or fintech industry. * Strong experience in unsecured merchant or SME lending preferred * Strong analytical and structured thinking ability. Why join us •A collaborative output driven program that brings cohesiveness across businesses through tech

About Us Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. About the Role We are looking for a strategic, customer-focused and data-driven Product Manager to own and scale products and experiences for Paytm’s offline merchant ecosystem. The role will be responsible for defining product strategy, identifying customer and business opportunities, building product roadmaps and driving end-to-end execution across the product lifecycle. The candidate will work closely with Engineering, Design, Data, Business, Operations and other cross-functional teams to build products that improve merchant adoption, engagement, productivity and retention. The ideal candidate will combine strong product thinking with analytical ability, customer empathy and execution excellence. This is a high-ownership role that requires the ability to translate complex business problems and merchant needs into simple, scalable and impactful product solutions. Key Responsibilities Own the end-to-end product lifecycle across discovery, ideation, prioritization, development, launch and continuous iteration. Define product vision, strategy and roadmap for key merchant-facing products and journeys within the Offline Merchants / EDC ecosystem. Identify merchant pain points and business opportunities through customer research, product analytics, market insights and stakeholder inputs. Translate customer and business requirements into clear product requirements, user stories, product specifications and actionable roadmaps. Work closely with Engineering, Design, Data Science, Business, Operations and other teams to drive timely and high-quality product execution. Define and track key product metrics across acquis

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: Liaison between the creditors and consumers. They are in charge of observing accounts to identify overdue payments, report collection activity, address client queries, and develop repayment plans. About the role: Lead the collections target and control collection flow for specified area. Handle large team of collection officers, their productivity and performance. Expectations/ Requirements: 1. To Achieve Collection targets of the area assigned, control flow cases and focus on non starters. 2. Ensured documented feedback. 3. Ensure Adequate feet on Street availability/bucket wise /segment wise. 4. Manage productivity for fixing productivity parameters for Collection Officers Agencies/In-house team. 5. Monitoring performance against set parameters and weekly review with Collection executives. 6. Ensuring background check of all collection agencies hired/Identify and manage training needs of the Collection Executives/ Evaluation of performance of all CE. 7. Support Collection officers in legal /Police issues/Collection Activities. Superpowers/ Skills that will help you succeed in this role: 1. People Management Skills. 2. More than 8 years of relevant experience in Collections role. 3. Demonstrated Success and achievement orientation. 4. Excellent Communication Skills. 5. Negotiations skills - strong bias for driving results in a High performance environment. 6. Strong Relationship and Leadership skills. 7. Working Knowledge of Computers. Education: Graduation/ Post Graduation preferred. Why join us: We support our people by providing a range of flexible working options so they can w

About Us: Paytm is India's leading mobile payments and financial services distribution company. A 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 into the mainstream economy with the help of technology. About the team: The legal team facilitates legal risk and compliances centrally and ensures business activities are conducted in conformity with all applicable laws, regulations, internal policies, and procedures. Serve as liaison for local regulators, and legal bodies as well as maintaining relationships with them. Ensure local regulatory permissions for Paytm remain current and appropriate for business needs. About the role: The major responsibilities would include being a part of the legal Contracts team to ensure effective management of legal and contractual matters for One97, Paytm Money and Paytm Payment Services Limited. in addition to identification and mitigation of legal risks for the organization. The person will be a part of the legal team and assist senior legal colleagues in special and upcoming projects under the e-commerce and fintech division of Paytm. Responsibilities: 1. Drafting, reviewing, red-lining, negotiating, and finalizing documents like Banking Alliances, Corporate PSA’s, promotional agreements, Escrow agreements, Marketing agreements, Acquiring agreements, promotions, Banking referrals, Distribution contracts, EDC Contracts., Letters, Proposals, RFPs, etc. from a legal perspective, ensuring minimal/no risk to the organization. 2. Resolve any contractual issues developed while working with clients, partners, service providers, and vendors. 3. Collaborate with other cross functional teams (compliance, product, finance, business teams) for implementation of special projects across all business verticals in a time bound manner. 4. Ability to understand and analyze business requirements/

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