Growth Management - Merchant Lending (GM/DGM)

Job description

**About Us:** Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology. **About the role** Operate at the intersection of product, analytics and growth for our merchant lending business. **What you will do** • Own the end-to-end lending funnel in the app: offer discovery, eligibility, application, KYC, e-sign/e-mandate, disbursal, repayment and repeat borrowing. • Dig into data to diagnose funnel leaks, cohort behaviour and segment-level differences, and turn findings into a prioritised growth roadmap. • Define the growth hypotheses, write BRDs and work with product/ engineering and design to ship features — smarter offer placement, pre-filled applications, faster KYC, one-tap top-ups, renewal nudges. • Design and analyse A/B tests rigorously: hypothesis, sample size, guardrail metrics, statistical significance, and incrementality. • Build and maintain the metrics framework and dashboards for merchant lending (north-star, input metrics, cohort views). • Work with Campaigns/CRM to make product surfaces and lifecycle communication work together. • Coordinate closely with the Product team on roadmap priorities, and with the Data Warehouse (DWH) / data engineering team to define events, data models and pipelines so lending metrics are accurate, timely and self-serve. • Drive AI and automation across growth workflows — e.g. automated segmentation and offer targeting, propensity models for who to nudge and when, auto-generated reports and alerts, and AI-assisted merchant communication — reducing manual effort and speeding up experiments. • Talk to merchants regularly — calls, field visits, user research — to keep the roadmap grounded in real needs. **What we are looking for** • 5–8 years across product management, growth or product analytics • Strong analytical skills • Deep comfort with experimentation design and statistics. • Clear writing and structured thinking; able to make a data-backed case to leadership. • High ownership, bias for action and comfort with ambiguity. **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 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!