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Paytm is India's leading mobile payments and financial services distribution company, pioneering mobile QR payments and building technologies for small business commerce. The Credit Risk Product Team sits at the core of lending operations, developing credit risk models, decisioning frameworks, and risk mitigation strategies in collaboration with data scientists, engineers, and business stakeholders.
As Senior Product Manager for Merchant Lending Risk, you will own the product strategy powering unsecured merchant loans at scale. This is a leadership role balancing aggressive growth with credit quality and regulatory compliance. You will partner closely with Risk, Data Science, Engineering, and Business teams to drive outcomes.
Key responsibilities include:
- Define and drive the product roadmap for merchant lending risk
- Build and scale rule engines (BRE), decision engines, and model orchestration layers
- Implement audit-ready decision logs and explainability layers
- Build robust policy versioning and experimentation infrastructure
- Lead a team of credit risk analysts owning underwriting, risk, fraud, and monitoring
The role offers the opportunity to shape India's largest digital lending story, working with 500M+ registered users and 17M+ merchants in Paytm's ecosystem. You will drive cross-sell opportunities, receive peer feedback on collaboration, and work in a collaborative, output-driven environment.
REQUIREMENTS:
- 5+ years of product management experience in consumer or fintech industry
- Strong experience in unsecured merchant or SME lending (preferred)
- Strong analytical and structured thinking ability
