Growth Management - Merchant Lending (GM/DGM)

Bangalore, Karnataka · 5-8 years experience · Onsite · Posted Oct 6, 2026

At a glance

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.

Operate at the intersection of product, analytics and growth for our merchant lending business.

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.

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.

A collaborative output driven program that brings cohesiveness across businesses through technology.
Improve the average revenue per use by increasing the cross-sell opportunities.
A solid 360 feedback from your peer teams on your support of their goals.
Respect, that is earned, not demanded from your peers and manager.