Growth Management - Merchant Lending (GM/DGM)

Role overview

Growth Management - Merchant Lending (GM/DGM) at Paytm

Own the end-to-end lending funnel in the app: offer discovery, eligibility, application, KYC, e-sign/e-mandate, disbursal, repayment and repeat borrowing.

Responsibilities

• 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.

Employment details

• 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!
• Location: Bangalore [Karnataka]

About the employer

• 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.