Program Management - Deputy General Manager - Lending EMI

Paytm; Dadri; On-site; INR 2,800,000 - 4,000,000; Full time

Job summary

Paytm is seeking an experienced Program Manager (DGM/GM) to drive strategic initiatives for its Lending EMI business. You will own end-to-end program execution across No Cost EMI, EMI at Checkout, and other lending solutions, coordinating with Business, Product, Technology, Operations, Risk, Compliance, Finance, Marketing and external partners.

The ideal candidate brings 6–12 years in Program Management within FinTech or Banking, strong stakeholder management, and a track record of scaling

Qualifications

• Bachelor’s degree in Business, Engineering, Finance, or a related field.
• MBA preferred.

Responsibilities

• Drive end-to-end execution of strategic Lending EMI programs, ensuring timely delivery against business goals.
• Partner with cross-functional teams to manage program timelines, dependencies, risks, and successful implementation.
• Lead internal stakeholder management and align Business, Product, Technology, Operations, Risk, Compliance, Finance, and Marketing teams.
• Design and improve scalable processes to enhance operational efficiency and customer experience.
• Manage partner onboarding, technology integrations, governance, and ongoing engagement with Banks and NBFCs.
• Own subvention management, financial reconciliation, reporting, MIS, and program governance.
• Ensure brand alignment across product launches, merchant communication, and partner initiatives.
• Monitor program performance through data-driven insights and recommend process and business improvements.
• Stay abreast of market trends, EMI offerings, and competitive landscape to support strategic initiatives.

Skills

Program Owner

Strategic Thinking

Execution

Internal Stakeholder Management

Cross-functional Collaboration

Process Design

Operational Excellence

Lending EMI

Consumer Finance

No Cost EMI

EMI at Checkout

Subvention Management

Business Reporting

Financial Reconciliation

Product & Technology Coordination

Analytical & Problem-Solving Skills

Excellent Communication & Presentation

Education

Bachelor's degree in Business, Engineering, Finance, or a related field

MBA preferred

Job description

About Paytm

Paytm is India's leading financial services company offering full-stack payments and financial solutions to consumers, merchants, and online platforms. Our mission is to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services.

About the Role

We are looking for an experienced Program Manager (DGM/GM) to drive strategic initiatives for Paytm's Lending EMI business. The role will own end-to-end program execution across No Cost EMI, EMI at Checkout, and other lending solutions, ensuring seamless collaboration between Business, Product, Technology, Operations, Risk, Compliance, Finance, Marketing, and external partners. The ideal candidate should have a strong understanding of the Lending EMI ecosystem, excellent stakeholder management skills, and experience in driving large cross-functional programs, process excellence, and business growth.

About the Team

The Lending EMI team is responsible for building and scaling innovative financing solutions by collaborating with Banks, NBFCs, and internal teams to deliver seamless customer and merchant experiences.

Key Responsibilities

• Drive end-to-end execution of strategic Lending EMI programs, ensuring timely delivery against business goals.
• Partner with cross-functional teams to manage program timelines, dependencies, risks, and successful implementation.
• Lead internal stakeholder management and align Business, Product, Technology, Operations, Risk, Compliance, Finance, and Marketing teams.
• Design and improve scalable processes to enhance operational efficiency and customer experience.
• Manage partner onboarding, technology integrations, governance, and ongoing engagement with Banks and NBFCs.
• Own subvention management, financial reconciliation, reporting, MIS, and program governance.
• Ensure brand alignment across product launches, merchant communication, and partner initiatives.
• Monitor program performance through data-driven insights and recommend process and business improvements.
• Stay abreast of market trends, EMI offerings, and competitive landscape to support strategic initiatives.

Preferred Qualifications

• Bachelor's degree in Business, Engineering, Finance, or a related field. MBA preferred.
• 6-12 years of experience in Program Management, FinTech, Banking, NBFC, Payments, or Consumer Finance.
• Hands-on experience with No Cost EMI, EMI at Checkout, Consumer Finance, or Digital Lending.
• Strong understanding of EMI products, subvention models, market practices, and partner ecosystems.
• Proven track record of managing cross-functional programs and delivering business outcomes.

Required Skills

• Program Owner
• Strategic Thinking & Execution
• Internal Stakeholder Management
• Cross-functional Collaboration
• Process Design & Operational Excellence
• Lending EMI & Consumer Finance
• No Cost EMI & EMI at Checkout
• Subvention Management
• Business Reporting & Financial Reconciliation
• Product & Technology Coordination
• Analytical & Problem-Solving Skills
• Excellent Communication & Presentation Skills