Role : Program ManagerFunction: 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 theirjourney 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 intothe funnel, form a view on what is broken or under-exploited, build the business case, and thendrive it to launch with the teams that can make it happen. The partners in this portfoliocontribute a meaningful share of Paytm's monthly disbursals, so the decisions you make showup directly in the P&L.;
Key Responsibilities:- Own the AOP for your lending partners and drive the initiatives needed to deliver itmonth on month, not just at quarter end.- Build the forward view forecasts, scenario plans and the levers available if the base caseslips.- Own the funnel end to end: stage-wise conversion, drop-offs, TATs and the specificreason codes behind each leak, from offer display through KYC, e-mandate, e-sign anddisbursal.- Run cohort and vintage analysis to understand how different user segments, sourcesand 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 andread the results honestly, including the ones that fail.- Build and maintain the dashboards and MIS that the business runs on, so that you andyour stakeholders are always looking at the same,



current, correct numbers.- Turn analysis into a recommendation. The deliverable is a decision with a numberattached to it, not a deck of charts.- Drive end-to-end execution of strategic lending programs, delivered on time and againstclearly 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, portfolioquality, open items and hold both sides to commitments.- Track market trends, competitor journeys, EMI and BNPL constructs, and partnerecosystem 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 unsecuredpersonal 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 andmoved 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 betold what to do.- Comfortable coordinating with Product and Technology on scope, sequencing andtrade-offs.
Domain- Lending and consumer finance; subvention management; business reporting andfinancial reconciliation.- Awareness of the regulatory environment for digital lending in India.
Personal- Excellent written and verbal communication; can hold a room with senior stakeholdersand can write a transparent 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.

📌 Program Manager/Category Manager - Lending (Personal Loans) (Noida)
🏢 Paytm
📍 Noida