Program Manager/Category Manager - Lending (Personal Loans)

Paytm

Noida, Uttar Pradesh, IndiaPosted 27 days ago

Skill Required

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Key highlights

Experience: 3–6 years
Location: Noida / Mumbai
Function: Personal Loans, Lending

Role overview

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.

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.

Requirements

Bachelor's degree in Business, Engineering, Finance or a related field.
3–6 years of experience across Program Management, FinTech, Banking, NBFC, Payments or Consumer Finance.
Hands-on experience in digital lending or consumer finance.
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.
Advanced Excel / Google Sheets, modelling, scenario analysis, handling large datasets.
Funnel, cohort and experiment analysis; structured, hypothesis-led problem solving.
Numerate and commercially literate, comfortable with unit economics and P&L logic.
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.
Lending and consumer finance; subvention management; business reporting and financial reconciliation.
Awareness of the regulatory environment for digital lending in India.
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.