Growth Management - Merchant Lending (AM/DM)

Paytm; Dadri; Presencial; INR 1.400.000 - 2.100.000; Jornada completa

Descripción de la vacante

Paytm is seeking a Growth Marketing Manager to own merchant lending campaigns across multiple channels, driving loan eligibility checks, applications, and disbursals for small businesses on our platform.

You will design, launch, and optimise campaigns, build merchant segments, and run A/B tests while maintaining CAC/ROI targets and ensuring compliance with RBI guidelines.

Formación

• 4–7 years in growth or lifecycle marketing.
• Hands-on CRM campaigns using CleverTap, MoEngage, WebEngage, Braze or Netcore.
• Proficient in SQL or dashboard analysis of campaign results.
• Strong experimentation, control groups and incrementality knowledge.
• Able to manage multiple stakeholders in a fast-paced environment.

Responsabilidades

• 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

Conocimientos

SQL

Data analysis

Experimentation

Stakeholder management

Herramientas

CleverTap

MoEngage

WebEngage

Braze

Netcore

Descripción del empleo

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.