Lending Operations - AM - Merchant Lending

Paytm Money Limited; Mumbai; On-site; INR 550,000 - 850,000; Full time

Job summary

Paytm Money Limited is seeking a proactive lending operations professional in Mumbai to manage day-to-day loan processing, coordinate with Product, Technology, Business, and Sales teams, and ensure timely settlements.

The role requires 2–4 years of experience in lending operations, strong analytical and communication skills, and proficiency with MS Excel/Google Sheets. You will drive operational efficiency and compliance in a fast-paced fintech environment.

Qualifications

• 2–4 years of experience in lending operations, fintech, banking, or NBFC operations.
• Strong understanding of the lending lifecycle and loan processing workflows.
• Proficient in MS Excel or Google Sheets for tracking and reporting.
• Excellent problem-solving and analytical abilities.

Responsibilities

• Lending Operations: Manage day-to-day lending activities and ensure timely processing of loan applications with internal teams.
• Daily Operations Management: Monitor activities, track pending cases, resolve bottlenecks for a seamless customer experience.
• Stakeholder Coordination: Collaborate with internal teams and lending partners for smooth lending processes.
• MIS & Reporting: Maintain trackers, prepare issue-resolution reports, monitor KPIs, provide updates to stakeholders.
• Issue Resolution: Identify operational challenges, investigate root causes, and coordinate for timely fixes.
• Process Improvement: Identify opportunities to streamline workflows and enhance lending processes.
• Compliance: Adhere to internal policies, SOPs, and lending regulations.

Skills

Lending operations

Stakeholder management

Analytical skills

MS Excel / Google Sheets

Problem-solving

Communication

Education

Graduate degree

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

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