Growth Management - Merchant Lending (GM/DGM)

paytm; Bengaluru; On-site; INR 4,000,000 - 6,500,000; Full time

Job summary

Paytm is seeking an experienced product/growth professional to own the end-to-end merchant lending funnel within the app. You will diagnose funnel leaks, run cohort analyses, and shape a prioritized growth roadmap with product, engineering, and design teams.

You will design rigorous experiments, build robust metrics dashboards, and collaborate with CRM to align lifecycle communications. This role requires strong analytics, ownership, and comfort with ambiguity in a fast-paced fintech environment.

Qualifications

• 5-8 years across product management, growth or product analytics.
• Strong analytical skills.
• Deep comfort with experimentation design and statistics.
• Clear writing and structured thinking; able to make a data-backed case to leadership.
• High ownership, bias for action and comfort with ambiguity.

Responsibilities

• Own the end-to-end lending funnel in the app: offer discovery, eligibility, application, KYC, e-sign/e-mandate, disbursal, repayment and repeat borrowing.
• Dig into data to diagnose funnel leaks, cohort behaviour and segment-level differences, and prioritise growth roadmap.
• Define growth hypotheses, write BRDs and work with product/engineering and design to ship features.
• Design and analyse A/B tests: hypothesis, sample size, guardrail metrics, statistical significance, incrementality.
• Build and maintain the metrics framework and dashboards for merchant lending (north-star, input metrics, cohort views).
• Work with Campaigns/CRM to align product surfaces and lifecycle communication.
• Coordinate with Product and Data Warehouse to define events, data models and pipelines for accurate, timely metrics.
• Drive AI and automation across growth workflows to speed up experiments and reduce manual effort.
• Talk to merchants regularly via calls/field visits to ground roadmap in real needs.

Skills

Analytical skills

Experimentation design

Statistics

Structured thinking

Ownership

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

Operate at the intersection of product, analytics and growth for our merchant lending business.

What you will do

• Own the end-to-end lending funnel in the app: offer discovery, eligibility, application, KYC, e-sign/e-mandate, disbursal, repayment and repeat borrowing.
• Dig into data to diagnose funnel leaks, cohort behaviour and segment-level differences, and turn findings into a prioritised growth roadmap.
• Define the growth hypotheses, write BRDs and work with product/ engineering and design to ship features - smarter offer placement, pre-filled applications, faster KYC, one-tap top-ups, renewal nudges.
• Design and analyse A/B tests rigorously: hypothesis, sample size, guardrail metrics, statistical significance, and incrementality.
• Build and maintain the metrics framework and dashboards for merchant lending (north-star, input metrics, cohort views).
• Work with Campaigns/CRM to make product surfaces and lifecycle communication work together.
• Coordinate closely with the Product team on roadmap priorities, and with the Data Warehouse (DWH) / data engineering team to define events, data models and pipelines so lending metrics are accurate, timely and self-serve.
• Drive AI and automation across growth workflows - e.g. automated segmentation and offer targeting, propensity models for who to nudge and when, auto-generated reports and alerts, and AI-assisted merchant communication - reducing manual effort and speeding up experiments.
• Talk to merchants regularly - calls, field visits, user research - to keep the roadmap grounded in real needs.

What we are looking for

• 5-8 years across product management, growth or product analytics
• Strong analytical skills
• Deep comfort with experimentation design and statistics.
• Clear writing and structured thinking; able to make a data-backed case to leadership.
• High ownership, bias for action and comfort with ambiguity.

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!