Location

Bangalore

Experience

3-6 years, with 2+ years in Fintech/lending (preferably Portfolio management)

About the role

We are looking for Portfolio manager to manager paylater portfolio within Transactional Credit vertical of PayU Finance. This would include management of both in house paylater brand - Lazypay and merchant partnership whitelabel paylater programs. The scope of the role would be:

1. Driving engagement, spends and portfolio health across these programs

1. Leading the strategic effort to cross-sell and migrate whitelabled program users to in-house Lazypay paylater

Key responsibilities
1. Portfolio Management & Growth

1. Own engagement, activation and spends metrics across Lazypay BNPL and other whitelabel programs; build cohort, vintage and RFM-style analyses to identify growth and risk pockets

1. Design and run programs to lift transacting user %, frequency and ticket size – offers, limit management, category unlocks, nudges and lifecycle campaigns

1. Track program-level P&L; drivers and figure out initiatives to drive profitability

1. Partner with Risk, Collections, Product and the merchant-facing teams to balance growth with portfolio quality

1. Support onboarding of 2–3 new partner programs this year – defining success metrics, monitoring ramp-up, and feeding learnings back into portfolio strategy.

1. Whitelabel-to-Lazypay Platform Migration

1.



Lead the initiative to bring existing whitelabel users onto the Lazypay platform, leveraging their existing KYC to enable a simplified, high-conversion onboarding flow

1. Build the customer identification and prioritization logic (dedup, segmentation, propensity to activate) across programs

1. Design merchant-independent activation strategies

1. Define and pilot incentive structures (offers, limit bumps, cashback) to drive first transaction on Lazypay post-migration

1. Build the measurement framework (funnel from eligible base → outreach → install → activation → repeat spends)

What we are looking for
- Robust analytical foundation: comfort with SQL, Excel and Python: able to independently pull, structure and interpret large transaction/customer datasets.

- Portfolio / growth experience: prior exposure to lending, BNPL, cards, payments or subscription businesses where engagement and portfolio quality were tracked and actioned.

- Program / project management: ability to run multi-stakeholder initiatives end-to-end – from problem framing to pilot to scale – with minimal hand-holding

- A person with bias for execution, can run multiple experiments

- Good to have: Cross-functional influence: experience working with Risk, Compliance, Product, Tech and Collections; comfortable navigating ambiguity

📌 Manager - Strategy (Bengaluru)
🏢 PayU Payments
📍 Bengaluru