Growth Management - Merchant Lending

Paytm Payments Services; Dadri; On-site; INR 1,800,000 - 3,000,000; Full time

Job summary

Paytm Payments Services seeks a growth-focused marketer to own merchant lending campaigns—from onboarding to disbursal. You will design multi-channel strategies, build merchant segments, and run rigorous tests to improve conversion and ROI.

You will collaborate with Product, Risk, Analytics, and Sales to grow disbursals while managing acquisition costs and adhering to regulatory guidelines.

Qualifications

• 4–7 years in growth or lifecycle marketing.
• Hands-on CRM campaign experience with the listed tools.
• Comfort with data, SQL basics, dashboards, and Excel.
• Strong experimentation and testing mindset.
• Ability to coordinate across multiple teams and pace in a high-ownership environment.

Responsibilities

• Own the campaign calendar for merchant lending, including new-to-credit and renewals.
• Plan and run campaigns across push, SMS, WhatsApp, email, and in-app channels.
• Segment merchants by transaction data and tailor offers and messaging.
• Design and run A/B tests; scale successful variants.
• Track funnel metrics and reduce drop-offs with Product and Ops.
• Manage budgets and incentives with CAC/ROI targets.
• Coordinate with lending partners on offer constructs and branding.
• Ensure RBI Digital Lending guidelines and compliance.
• Lead festive campaigns aligned with merchant demand.

Skills

Campaign strategy

CRM campaigns

Data analysis

Experimentation

Stakeholder management

Tools

CleverTap

MoEngage

WebEngage

Braze

Netcore

Job description

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:

You will own the campaigns that turn our merchant base into active borrowers. That means designing, launching and optimising multi-channel campaigns that drive loan eligibility checks, applications,disbursals and repeat borrowing among small businesses — kirana stores, retailers, restaurants and service merchants who accept payments on our platform.

You will work closely with Product, Risk, Credit, Analytics, Sales to grow disbursals while keeping acquisition costs in check.

What you will do:

• Own the campaign calendar for merchant lending: new-to-credit acquisition, pre-approved offer activation, top-ups, renewals and win-back of dormant borrowers.
• Plan and run campaigns across push notifications, SMS, WhatsApp, email, in-app banners, IVR/outbound calling and the field sales force.
• Build merchant segments using transaction volumes, tenure, category, geography and eligibility, and tailor offers and messaging to each.
• Design and run A/B tests on creatives, copy, offer framing, timing and channel mix; scale what works and kill what doesn’t.
• Track the full funnel — reach, click, eligibility check, application, KYC, sanction, disbursal — and fix the biggest drop-offs with Product and Ops.
• Manage campaign budgets and incentives (cashback, fee waivers, interest-rate offers) against clear CAC and ROI targets.
• Coordinate with lending partners on offer constructs, approved bases and co-branded communication.
• Ensure every communication complies with RBI Digital Lending Guidelines, fair-practice codes and partner brand rules (KFS, APR disclosure, no misleading claims).
• Run festive and seasonal pushes (Diwali, wedding season, quarter-ends) when merchant working-capital needs peak.
• Report weekly on campaign performance and share learnings with leadership. Key metrics you will own
• Disbursal volume and count driven by campaigns
• Funnel conversion rates (offer view → application → disbursal)
• Cost per disbursal and campaign ROI
• Repeat / renewal borrowing rate

What we are looking for:

• 4–7 years in growth, lifecycle . Hands-on experience running CRM campaigns on tools such as CleverTap, MoEngage, WebEngage, Braze or Netcore.
• Comfort with data: you can write basic SQL or work fluently with dashboards and Excel to analyse campaign results.
• Strong grasp of experimentation: control groups, sample sizes, incrementality.
• Ability to manage many stakeholders and move fast in a high-ownership environment.

Why join us

1. A collaborative output driven program that brings cohesiveness across businesses through technology.
2. Improve the average revenue per use by increasing the cross-sell opportunities.
3. A solid 360 feedback from your peer teams on your support of their goals.
4. 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 & 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!