Product Management - Product Manager - Lending Platform

Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh. Its investors include Softbank, Ant Financial, AGH Holdings, Elevation Capital, Berkshire Hathaway, T Rowe Price, and Discovery Capital.

About the team: 

We are an end-to-end tech enabled credit platform providing seamless credit access to

customers. Our capabilities extend from fully digitized customer on-boarding, seamless in-app to real time offers and digital customer servicing. We partner with financial institutions and leverage the insights we gather through our ecosystem design and offer innovative and customized financial products to our consumers and merchants.

Personal loans: We offer 24x7x365 small ticket cash out loans, especially targeted towards ‘new to credit’ borrower, fulfilling their instant fund requirements and discretionary spends

Merchant Loans: We offer ‘Merchant loans’ which are unsecured business loans that leverage the transaction history of the merchant and our unique credit scoring system. We distribute such loans through our ‘Paytm for Business’ app Paytm Postpaid is a unique ‘buy now pay later’ product that provides checkout financing to consumers. Our users can avail a transaction credit facility for a wide range of products and services at more than 1 cr shops and websites

Are you someone who loves to build products and also gets curious about the technology stack being used? We are looking for self-motivated individuals to be part of our Lending Product Management team to enable the delivery of high-quality financial/lending products in a fast-paced, challenging, and creative environment. You will work with business heads and engineering partners to drive the strategy, roadmap, execution of a product area to build high-quality products/systems.

• Working closely with vertical product managers/ business leads to understand product use cases, customer journeys, business applicability and impact of each use case.

• Ability to understand different technology platforms, their features and be able to work with solution architects/engineering leads and write detailed product requirement documents, manage future roadmaps and deliverables

• Make sure that clear, simple, and technically sound decisions are made

• With your strong domain knowledge of lending platforms, we expect you to provide your subject matter expertise in requirements solutioning

• Ability to work with multiple stakeholders / senior management / cross-functional teams to influence them for quicker decisions, manage sudden technical roadblocks and be able to clear them

• Lead product team processes (Agile/Scrum) and manage expectations and track roadmap regularly

• Be involved in what your team is building - Run edge cases, test products proactively and its features to provide feedback early in the cycle, make sure entire journeys are covered, and that product reporting exists to track KPIs for the product and its success (data-driven product management).

• Bachelor’s degree in engineering, computer science and/or related field

• Professional experience in a product management or analytical role with hands on experience in banking processes

• Having deep understanding of Lending and LMS (Loan Management System) Platform(s) in Product Management role building credit platform products Knowledge of Fintech/ BFSI/ Lending domain

• Exp should be in between 5- 8 years, out of which minimum 3 years in product management

• Solutions orientated within a high-energy and fast-paced work environment

• Exceptional customer experience intuition; demonstrated success in creating innovative and user-friendly products and customer-facing features

• Possess excellent oral, written, verbal and interpersonal communication skills

· 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

Compensation: If you are the right fit, we believe in creating wealth for you

With enviable 500 mn+ registered users, 17 mn+ merchants and depth of data in our ecosystem, we are in a

unique position to democratize credit for deserving consumers & merchants – and we are committed to it.

India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!