The Role
Lead the product strategy and roadmap for merchant lending risk, including rule engines, decision engines, model orchestration, audit-ready decision logs, explainability, policy versioning, and experimentation infrastructure. Partner with Risk, Data Science, Engineering, and Business teams to balance lending growth, credit quality, fraud prevention, monitoring, and regulatory compliance. Manage credit risk analysts responsible for underwriting and risk operations.
Summary Generated by Built In
About Paytm:
Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology.
About the Team:
The Credit Risk Product Team is at the core of our lending operations, ensuring that our risk assessment models are efficient, scalable, and compliant with regulatory frameworks. The team collaborates closely with data scientists, engineers, and business stakeholders to develop and enhance credit risk models, decisioning frameworks, and risk mitigation strategies. By leveraging advanced analytics and machine learning, the team continuously refines underwriting processes to optimize loan performance and reduce defaults.
About the Role:
We are looking for a rockstar Senior Product Manager – Lending Risk to lead the Merchant Lending Risk charter at Paytm. You will own the risk product strategy that powers unsecured merchant loans, balancing aggressive growth with rock-solid credit quality and regulatory integrity, while partnering closely with Risk, Data Science, Engineering & Business.
Key Responsibilities:
* 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.
Requirements:
* 5+ years of product management experience in the consumer or fintech industry.
* Strong experience in unsecured merchant or SME lending preferred
* Strong analytical and structured thinking ability.
Why join us
•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!
Skills Required
- 5+ years of product management experience in the consumer or fintech industry
- Experience in unsecured merchant or SME lending
- Strong analytical and structured thinking ability
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The Company
What We Do
Paytm started the Digital Revolution in India. And we went on to become India’s leading Payments App. Today, more than 20 Million merchants & businesses are powered by Paytm to Accept Payments digitally. This is because more than 300 million Indians use Paytm to Pay at their stores. And that’s not all, Paytm App is used to Pay bills, do Recharges, Send money to friends & family, Book movies & travel tickets. With innovations to Financial services & products in pipeline, this is but one of the milestones achieved towards our mission – to bring 500 million unserved and underserved Indians to the mainstream economy.
