Manager Business Finance (Lending)

Paytm Labs; Dadri; On-site; INR 1,500,000 - 2,300,000; Full time

Job summary

Paytm Lending is seeking a Manager of Business Finance to partner with business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards. You will drive financial planning, build bottom-up revenue models, and track yields, costs, and profitability to inform CFO/CEO decisions.

You will lead AOP, MBRs, and rolling forecasts, perform variance analysis, and ensure data integrity for activation metrics and loan book sizing.

Qualifications

• CA or MBA in Finance from a top-tier institute.
• 45 years of progressive experience in Business Finance, FP&A, or Financial Strategy.
• Deep understanding of lending P&L drivers is a major plus.

Responsibilities

• Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).
• Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess take-rate changes and policy effects.
• Lead the Annual Operating Plan creation, monthly reviews, and quarterly rolling forecasts.

Skills

Financial modelling

Advanced Excel

Scenario modelling

Business partnering

Portfolio analytics

Education

CA or MBA in Finance

Job description

About Paytm Lending

Paytms Lending marketplace connects millions of consumers and merchant partners with top NBFCs and banks across Personal Loans, Merchant Loans, Postpaid, and Credit Cards. We build cutting-edge financial products powered by real-time risk modelling, seamless distribution, and high-volume transaction processing.

Role Overview

We are seeking an energetic, analytical, and business-focused Manager Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios.

You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency.

Key Responsibilities

1. • Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).
   • Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.

   Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners.

2. • Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.
   • Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy.
   • Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation.
3. • Lead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and quarterly rolling forecasts.
   • Perform variance analysis (Actuals vs. AOP / MBR / Team Plan) for Disbursements, Revenue, Gross Margin, and Business EBITDA.
   • Drive tight cost management across COGS (API/Bureau, AWS, FLDG provisions) and Opex (Promotional Expense, Collections, Manpower).
4. • Prepare crisp, CEO/CFO-ready executive updates, flash reports, and board presentations highlighting core drivers, margin bridges, and key operational metrics.
   • Ensure data integrity and seamless tracking of activation metrics, loan book sizing, and revenue realization.

Key Qualifications & Skills

Education: Chartered Accountant (CA) or MBA in Finance from a top-tier institute.

Experience: 45 years of progressive experience in Business Finance, FP&A, or Financial Strategy.

Domain Expertise: Prior experience in Fintech, NBFCs, Retail Banks, or Lending Platforms is strongly preferred. Deep understanding of lending P&L drivers (Interest Income, PF, FLDG, Loss Provisions, Bureau/API costs) is a major plus.

Financial Modelling: Advanced Excel modelling skills (ability to build loan book projections, waterfall mechanics, and daily/monthly accrual frameworks from scratch).

Analytical Mindset: Proficiency in handling large datasets, identifying underlying patterns, and translating complex financial data into business stories.

About Paytm Lending

Paytms Lending marketplace connects millions of consumers and merchant partners with top NBFCs and banks across Personal Loans, Merchant Loans, Postpaid, and Credit Cards. We build cutting-edge financial products powered by real-time risk modelling, seamless distribution, and high-volume transaction processing.

Role Overview

We are seeking an energetic, analytical, and business-focused Manager Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios.

You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency.

Key Responsibilities

1. • Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).
   • Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.

   Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners.

2. • Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.
   • Analyze unit economics (R