Program Management (Scheme Management) - Senior Manager- Lending EMI

Paytm Payments Services; Bengaluru; On-site; INR 1,800,000 - 3,200,000; Full time

Job summary

Paytm Payments Services in Bengaluru is seeking an experienced Program Manager to own the design, launch and lifecycle of EMI lending schemes. You will define eligibility constructs, ROI, pricing, and partner models, ensuring commercial viability, operational readiness and regulatory compliance.

You will collaborate with Sales, Product, Credit, Finance and lenders, monitor performance, drive improvements and policy alignment, and coordinate Tech/Ops to go live in systems.

Responsibilities

• Design and manage EMI schemes (tenure, ROI / subvention, eligibility, ticket size, product / partner constructs).
• Own scheme lifecycle: ideation → business case → approvals → launch → monitoring → refresh / sunset.
• Collaborate with Sales, Product, Credit, Finance and lenders on scheme constructs and go-to-market.
• Analyze scheme performance (volume, conversion, margin, risk, partner ROI) and recommend changes.
• Maintain scheme inventory, version control, circulars / communications, and audit-ready documentation.
• Ensure schemes align with credit policy, regulatory / compliance requirements, and commercial guardrails.
• Coordinate Tech / Ops enablement so schemes go live correctly in systems and processes.
• Run scheme performance reviews with leadership and drive course corrections.
• Support competitive benchmarking and new scheme ideation for growth segments.

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.

Profile: Scheme Management |

Vertical: Lending EMI |

Role: Program Management |

About the role

Own scheme design, launch, and lifecycle management for Lending EMI — offers, eligibility constructs, commercials, and performance. You will ensure schemes are commercially sound, operationally executable, and compliant, and that they deliver intended business outcomes.

Key responsibilities

• Design and manage EMI schemes (tenure, ROI / subvention, eligibility, ticket size, product / partner constructs).
• Own scheme lifecycle: ideation → business case → approvals → launch → monitoring → refresh / sunset.
• Partner with Sales, Product, Credit, Finance, and lenders on scheme constructs and go-to-market.
• Analyse scheme performance (volume, conversion, margin, risk, partner ROI) and recommend changes.
• Maintain scheme inventory, version control, circulars / communications, and audit-ready documentation.
• Ensure schemes align with credit policy, regulatory / compliance requirements, and commercial guardrails.
• Coordinate Tech / Ops enablement so schemes go live correctly in systems and processes.
• Run scheme performance reviews with leadership and drive course corrections.
• Support competitive benchmarking and new scheme ideation for growth segments.

Why join us

We support our people by providing a range of flexible working options so they can work in the way that best suits them. We also offer you the opportunity to develop your career, working in a diverse and inclusive workplace where the diverse backgrounds, perspectives and life experiences of our people are celebrated and create a great place to grow, thrive and belong. Most importantly, for us Work is Fun!!

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! democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here.