Lending Operations - AM - Merchant Lending

Paytm Payments Services; Mumbai; On-site; INR 700,000 - 1,000,000; Full time

Job summary

Paytm Payments Services is seeking a proactive professional to manage day-to-day lending operations, coordinate with Product, Technology, Business, and Sales teams, and ensure timely loan processing. The role requires a strong understanding of the lending lifecycle, excellent problem-solving and coordination skills.

You will monitor daily operations, maintain trackers and MIS, drive process improvements, ensure regulatory compliance, and support cross-functional teams to deliver a seamless

Qualifications

• 2–4 years of experience in lending operations, fintech, banking, or NBFC operations.
• Good understanding of the lending lifecycle, loan processing, and operational workflows.
• Strong communication, coordination, and stakeholder management skills.
• Excellent problem-solving and analytical abilities.
• Proficiency in MS Excel or Google Sheets for operational tracking and reporting.
• Ability to manage multiple tasks, prioritize activities, and work in a fast-paced environment.
• Strong attention to detail and a proactive approach to resolving operational issues.

Responsibilities

• Lending Operations: Manage day-to-day lending activities and ensure smooth and timely processing of loan applications in coordination with Product, Technology, Business, and Sales teams.
• Daily Operations Management: Monitor daily operational activities, track pending cases and issues, resolve bottlenecks, and ensure a seamless customer experience.
• Stakeholder Coordination: Collaborate with internal teams and relevant lending partners to ensure seamless execution of lending processes.
• MIS & Reporting: Maintain daily operational trackers, prepare issue-resolution reports, monitor key performance metrics, and provide regular updates to stakeholders.
• Issue Resolution: Identify operational challenges, investigate root causes, and coordinate with relevant teams to ensure timely resolution.
• Process Improvement: Identify opportunities to improve operational efficiency, streamline workflows, and enhance the overall lending process.
• Compliance: Ensure adherence to internal policies, standard operating procedures, and applicable lending guidelines and regulatory requirements.

Skills

Lending ops

Stakeholder mgmt

Problem solving

Analytical thinking

Communication

Education

Bachelor's degree

Tools

MS Excel

Google Sheets

Job description

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 the Role:

We are looking for a proactive and detail-oriented professional to manage day-to-day lending operations, coordinate with internal stakeholders, and ensure smooth and timely loan processing. The ideal candidate should have a good understanding of the lending lifecycle, strong problem-solving skills, and the ability to manage multiple operational tasks efficiently.

Key Responsibilities :

-Lending Operations: Manage day-to-day lending activities and ensure smooth and timely processing of loan applications in coordination with Product, Technology, Business, and Sales teams.

-Daily Operations Management: Monitor daily operational activities, track pending cases and issues, resolve bottlenecks, and ensure a seamless customer experience.

-Stakeholder Coordination: Collaborate with internal teams and relevant lending partners to ensure seamless execution of lending processes.

-MIS & Reporting: Maintain daily operational trackers, prepare issue-resolution reports, monitor key performance metrics, and provide regular updates to stakeholders.

-Issue Resolution: Identify operational challenges, investigate root causes, and coordinate with relevant teams to ensure timely resolution.

-Process Improvement: Identify opportunities to improve operational efficiency, streamline workflows, and enhance the overall lending process.

-Compliance: Ensure adherence to internal policies, standard operating procedures, and applicable lending guidelines and regulatory requirements.

Required Skills & Qualifications :

• 2–4 years of experience in lending operations, fintech, banking, or NBFC operations.
• Good understanding of the lending lifecycle, loan processing, and operational workflows.
• Strong communication, coordination, and stakeholder management skills.
• Excellent problem-solving and analytical abilities.
• Proficiency in MS Excel or Google Sheets for operational tracking and reporting.
• Ability to manage multiple tasks, prioritize activities, and work in a fast-paced environment.
• Strong attention to detail and a proactive approach to resolving operational issues.

Preferred Candidate Profile

A graduate with hands-on experience in lending operations, partner coordination, and day-to-day business operations, preferably within a fintech company, bank, or NBFC. The candidate should be organized, detail-oriented, and comfortable working with cross-functional teams to drive operational efficiency and ensure timely issue resolution.

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-degree 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!