One97 Communications Limited
Website:
paytmmall.com
Company:
https://www.linkedin.com/company/one97-communications-limited
Seniority: Not Applicable
Industries: Technology, Information and Internet
Job details:
Role : Program Manager
Function: Personal Loans, Lending
Location: [Noida / Mumbai]
Experience: 3–6 years
About the Role:
We are hiring a Program / Category Manager to help drive Paytm's Personal Loans business.
You will own a set of lending partners end-to-end; their volumes, their economics and their
journey and be the connective tissue between Business, Product, Technology, Operations, Risk,
Compliance, Finance and Marketing.
This is a builder's role, not a coordinator's. You will be expected to find growth yourself: dig into
the funnel, form a view on what is broken or under-exploited, build the business case, and then
drive it to launch with the teams that can make it happen. The partners in this portfolio
contribute a meaningful share of Paytm's monthly disbursals, so the decisions you make show
up directly in the P&L.
Key Responsibilities:
- Own the AOP for your lending partners and drive the initiatives needed to deliver it
month on month, not just at quarter end.
- Build the forward view forecasts, scenario plans and the levers available if the base case
slips.
- Own the funnel end to end: stage-wise conversion, drop-offs, TATs and the specific
reason codes behind each leak, from offer display through KYC, e-mandate, e-sign and
disbursal.
- Run cohort and vintage analysis to understand how different user segments, sources
and offer constructs behave over time, and use it to shape targeting and offer strategy.
- Design and run experiments: A/B tests on journeys, messaging, offers and routing and
read the results honestly, including the ones that fail.
- Build and maintain the dashboards and MIS that the business runs on, so that you and
your stakeholders are always looking at the same, current, correct numbers.
- Turn analysis into a recommendation. The deliverable is a decision with a number
attached to it, not a deck of charts.
- Drive end-to-end execution of strategic lending programs, delivered on time and against
clearly defined business outcomes.
- Manage timelines, dependencies, risks and escalations across cross-functional teams;
keep the critical path visible and unblock it.
- Manage partner onboarding, technology and API integrations, commercial constructs,
SLAs and ongoing governance with Banks and NBFCs.
- Run regular business reviews with partners; performance, approval rates, portfolio
quality, open items and hold both sides to commitments.
- Track market trends, competitor journeys, EMI and BNPL constructs, and partner
ecosystem shifts, and translate them into concrete proposals for our roadmap.
Qualifications:
- Bachelor's degree in Business, Engineering, Finance or a related field. MBA preferred.
- 3–6 years of experience across Program Management, FinTech, Banking, NBFC,
Payments or Consumer Finance.
- Hands-on experience in digital lending or consumer finance; exposure to unsecured
personal loans is a strong plus.
- Working knowledge of the lending value chain — sourcing, underwriting, KYC, disbursal,
servicing & collections and of how bank/NBFC partnerships operate.
- A demonstrable track record of running cross-functional programs that shipped and
moved a business metric
Skills We're Looking For:
Analytical
- Advanced Excel / Google Sheets, modelling, scenario analysis, handling large datasets.
Python or a BI tool (Looker, Tableau, MetaBase, Superset) is a plus.
- Funnel, cohort and experiment analysis; structured, hypothesis-led problem solving.
- Numerate and commercially literate, comfortable with unit economics and P&L logic.
Execution
- Program ownership with a strong bias for action; drives outcomes without waiting to be
told what to do.
- Comfortable coordinating with Product and Technology on scope, sequencing and
trade-offs.
Domain
- Lending and consumer finance; subvention management; business reporting and
financial reconciliation.
- Awareness of the regulatory environment for digital lending in India.
Personal
- Excellent written and verbal communication; can hold a room with senior stakeholders
and can write a clear one-pager.
- High ownership and comfort with ambiguity in a fast-moving environment.
We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.
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