Growth Management - Merchant Lending
paytm · Posted Oct 5
Mobile payments, digital wallets, banking solutions, and financial services
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About the role
Paytm is India's leading mobile payments and financial services distribution company, building technology that brings small businesses and consumers into the digital economy. This role sits within the merchant lending business, which serves kirana stores, retailers, restaurants and service merchants who accept payments on the platform. The growth manager will own the multi-channel campaign calendar that turns the merchant base into active borrowers, working with Product, Risk, Credit, Analytics and Sales on eligibility checks, applications, disbursals and repeat borrowing.
What you will do
- Own the campaign calendar for merchant lending: new-to-credit acquisition, pre-approved offer activation, top-ups, renewals and win-back of dormant borrowers.
- Plan and run campaigns across push notifications, SMS, WhatsApp, email, in-app banners, IVR/outbound calling and the field sales force.
- Build merchant segments using transaction volumes, tenure, category, geography and eligibility, and tailor offers and messaging to each.
- Design and run A/B tests on creatives, copy, offer framing, timing and channel mix; scale what works and kill what doesn't.
- Track the full funnel — reach, click, eligibility check, application, KYC, sanction, disbursal — and fix the biggest drop-offs with Product and Ops.
- Manage campaign budgets and incentives (cashback, fee waivers, interest-rate offers) against clear CAC and ROI targets.
- Coordinate with lending partners on offer constructs, approved bases and co-branded communication.
- Ensure every communication complies with RBI Digital Lending Guidelines, fair-practice codes and partner brand rules (KFS, APR disclosure, no misleading claims).
- Run festive and seasonal pushes (Diwali, wedding season, quarter-ends) when merchant working-capital needs peak.
- Report weekly on campaign performance and share learnings with leadership.
- Disbursal volume and count driven by campaigns
- Funnel conversion rates (offer view → application → disbursal)
- Cost per disbursal and campaign ROI
- Repeat / renewal borrowing rate
Skills used in this role
What the employer is looking for
- 4–7 years in growth, lifecycle . Hands-on experience running CRM campaigns on tools such as CleverTap, MoEngage, WebEngage, Braze or Netcore.
- Comfort with data: you can write basic SQL or work fluently with dashboards and Excel to analyse campaign results.
- Strong grasp of experimentation: control groups, sample sizes, incrementality.
- Ability to manage many stakeholders and move fast in a high-ownership environment.
Benefits and support
- Compensation and benefits are detailed in the job posting
About paytm
Paytm is India's leading financial services company offering full-stack payment solutions, digital wallets, QR codes, and financial services to consumers and merchants. The platform provides comprehensive digital inclusion via UPI payments, banking services distribution, merchant devices, and lending solutions. Operating under its parent firm One97 Communications, Paytm has scaled its operations into a robust profitability-driven ecosystem.
- Industry
- FinTech
- Company size
- 10001+ employees
- Founded
- 2010
- Location
- Noida, Uttar Pradesh, India
- Funding stage
- Public Company
Funding
Public Company · $4.91B raised
- 2023-08-28Late Stage$246.34M
- 2020-11-20Angel$1.26M
- 2019-12-06Series H$673M
- 2018-08-27Series G$300M
Leadership
Founder & Chief Executive Officer
Chief Technology Officer
Recent coverage
The Tribune
Goldman Sachs Expects Paytm's EBITDA to Surge on Strong UPI Growth and Cost Discipline2026-10-08
Fortune India
Paytm Shares Tumble Following Reports of UPI MDR Framework Deferral2026-10-08
Superpower Daily
Paytm CEO Vijay Shekhar Sharma Offers Personal Backing to Sovereign AI Model Builders2026-10-08
Paytm Newsroom
Paytm 2026 Update: Core UPI, App, and Multi-Bank QR Status Explained2026-04-24