Business Manager - 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.

About Role:

We are building our International Lending Business to redefine how credit is delivered across markets. We are looking for a Business Manager who will take end to end ownership of scaling international lending products. This role is ideal for a proactive business manager with strong product thinking, analytical depth, and a bias for action, who thrives in fast-paced environments and enjoys building from zero to one.

Key Responsibilities:

1. Business Ownership: Drive strategy and execution for international digital lending products (BNPL, consumer loans, SME lending, cross-border credit).

2. Product & GTM: Define product roadmap, write BRDs, and work with engineering/ops to launch and optimize lending flows (LOS, LMS, APIs, KYC, underwriting, collections).

3. Analytics & Metrics: Own core lending metrics — funnel conversion, approval rates, NPAs, unit economics, RoI. Design experiments, run A/B tests, and take data-driven decisions.

4. International Expansion: Adapt products to local markets, regulatory frameworks, and customer needs across multiple countries.

5. Cross-functional Leadership: Partner with Engineering, Risk, Legal, Data, Partnerships, and Operations teams to execute initiatives end-to-end.

6. Partnership Development: Build and manage key relationships with fintech partners, NBFCs, banks, and regulators in international markets.

7. Team Contribution: Be a culture carrier — proactive, accountable, and focused on outcomes with a high sense of ownership.

Requirements:

1. Experience: 5–10 years of overall work experience; at least 3+ years in digital lending / credit / fintech.

2. Strong exposure to product management and analytics (Excel & PPT skills is must)

3. Hands-on experience with credit lifecycle: acquisition, underwriting, disbursement, collections, risk management.

4. Proven ability to drive business outcomes (growth, profitability, risk control).

5. Excellent communication and stakeholder management skills.

6. Strong aptitude and problem-solving ability, with a data-first mindset.

7. Prior international or cross-border lending exposure is a strong plus.

Nice-to-Haves:

1. Partnerships experience with banks, NBFCs, fintech's.

2. Experience with underwriting models, bureau data, alternative data signals.

3. Exposure to collections strategies and recovery models.

4. Ability to work with global teams and adapt to diverse regulatory landscapes.

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
• A 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+ registered users, 21+ 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’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!