Growth Management- DGM/ GM- Lending EMI

Paytm Payments Services; Dadri; On-site; INR 4,000,000 - 7,000,000; Full time

Job summary

Paytm Payments Services is seeking a seasoned Growth professional to own customer acquisition, activation, and usage for our Lending EMI business in India. You will lead GTM strategy, drive outbound and in‑product campaigns, and measure funnel activation from discovery to first spend.

Collaborating with Product, Risk, Brand Alliance and Marketing, you will scale active EMI users while maintaining underwriting and portfolio quality targets across the business.

Qualifications

• Bachelor’s degree in Business, Engineering, Economics, or a related field; MBA preferred.
• 5–10 years in Growth, Marketing, or Business roles within lending, fintech, or consumer internet.
• Proven experience running data-led acquisition and activation campaigns.
• Experience with credit/lending products and underwriting‑linked growth constraints.

Responsibilities

• Own the GTM strategy and sequencing across customer segments and merchant/categories.
• Drive the proactive outreach program end to end: whitelist targeting, campaign design, and conversion tracking.
• Own adoption of the standalone eligibility surface in-app and at merchant counters.
• Partner with Product on funnel design across discovery triggers and funnel metrics end to end.
• Define and track cohort-level activation, first transaction, and repeat-usage metrics; identify drop‑offs.

Skills

Growth Strategy

GTM Planning

Funnel Analytics

Campaign Management

Segmentation & Targeting

Data-driven Decision Making

P&L / Unit Economics

Education

Bachelor's degree in Business/Engineering/Economics

MBA preferred

Tools

SQL

Excel

BI Tools

PowerPoint

Job description

About Paytm

Paytm is India’s leading mobile payments and financial services distribution company. A pioneer in the mobile QR payments revolution, Paytm builds innovative technology solutions that empower merchants and consumers alike. Our mission is to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services.

About the Role

We are looking for an experienced Growth professional (DGM/GM) to own customer acquisition, activation and usage for our Lending EMI business. The incumbent will drive the strategy and execution behind how customers discover, check their eligibility for, and activate Paytm EMI — spanning proactive outreach to pre‑scored segments, always‑on in‑app/in‑store eligibility checks, and in‑the‑moment discovery at the point of purchase.

The role requires close partnership with Business Product, App Product, Risk, Risk Analytics, Brand Alliance, and Marketing teams to convert Paytm’s existing user base — including Postpaid and other lending cohorts, and customers who already use Paytm’s free credit report — into active, repeat EMI users, while keeping growth targets aligned with underwriting and portfolio quality constraints.

About the Team

The Growth team for Lending EMI owns the full top‑of‑funnel, activation charter and usage matrices: sizing and prioritizing the addressable base, running outbound and in‑product campaigns, and measuring and improving conversion across every discovery channel — proactive whitelist outreach, standalone self‑ check, contextual at‑purchase discovery, and merchant‑assisted discovery.

Key Responsibilities

• Own the GTM strategy and sequencing across customer segments (existing loan products/lending cohorts, the CIR base, internal usage patterns, new‑to‑credit customers) and merchant/category segments.
• Drive the proactive outreach (“Signup”) program end to end: whitelist targeting, campaign design across push/SMS/email/in‑app, frequency and consent management, and conversion tracking.
• Own adoption of the standalone “check your eligibility” surface, both in the Paytm app and at merchant counters.
• Partner with Business Product on funnel design across all discovery triggers and own funnel conversion metrics end to end — discovery, eligibility check, onboarding, first spend, repeat usage.
• Define and track cohort‑level activation, first‑transaction, and repeat‑usage metrics; identify drop‑off points and drive fixes jointly with Product and Engineering.
• Partner with Risk and Risk Analytics to align growth targets and campaign targeting with underwriting cutoffs and portfolio‑quality expectations.
• Own catalog‑led / discovery‑marketing initiatives that surface eligible products, retailers, and brand offers to customers ahead of a purchase decision.
• Build and maintain the addressable‑base sizing model in partnership with Analytics — ticket‑size affordability, category fit, and segment prioritization.
• Represent Growth in cross‑functional forums with Product, Risk, Brand Alliance, and Finance to align acquisition plans with pricing, subvention, and credit‑cost realities.
• Own the growth P&L view — cost per activation, channel efficiency, and campaign ROI — and report on it regularly to leadership.

Preferred Qualifications

• Bachelors degree in Business, Engineering, Economics, or a related field. MBA is preferred.
• 5–10 years of experience in Growth, Marketing, or Business roles within lending, BNPL, fintech, or consumer internet.
• Proven experience running large‑scale, data‑led acquisition and activation campaigns, both outbound and in‑product.
• Proven experience running data segmentation, reportings, analysis, query management, usage basis AI etc.
• Experience working with credit/lending products and a working understanding of underwriting‑linked growth constraints.
• Exposure to funnel analytics, cohort analysis, and marketing‑technology / CRM platforms.

Required Skills

• Growth Strategy & GTM Planning
• Funnel & Cohort Analytics
• Campaign Management (Push/SMS/Email/In-app)
• Segmentation & Targeting
• Cross‑functional Collaboration (Product, Risk, Marketing, Brand)
• Consumer Lending / BNPL Domain Knowledge
• A/B Testing & Experimentation
• Stakeholder Management
• Data-driven Decision Making
• P&L / Unit Economics Orientation
• Excellent Communication and Presentation Skills
• Leadership and Influencing Skills
• Proficiency in Excel/SQL/BI tools and PowerPoint.

Why join us:

• Work with a high‑performing and passionate product, design, and engineering team.
• Shape the future of credit for millions of users.
• Build at scale in one of India’s most dynamic and regulated spaces.
• Flexible and inclusive work environment with fast decision‑making and ownership.

Compensation:

If you are the right fit, we believe in creating wealth for you with enviable 500 mn+ registered users, 25 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’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!