Product Management - Lending Product

About Us:

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:

Paytm is India's leading digital payments and financial services company, driving consumers and merchants onto its platform through payment instruments like Paytm Wallet, UPI, FASTag, and Postpaid. Leveraging this scale, we offer credit services — merchant loans, personal loans, and BNPL — sourced through our financial partners. This role sits at the core of that lending stack: the Loan Management System (LMS) platform. 

About Role:

As a Product Manager, you will work closely with Business, Product, Solution Architecture, and Engineering teams to translate customer and business needs into scalable product solutions. You will own requirements, PRDs, product roadmaps, and execution, leveraging your lending domain expertise to solve complex problems.

You will drive cross-functional alignment, enable faster decisions, resolve roadblocks, and lead Agile/Scrum processes. You will also proactively test products, validate end-to-end journeys, identify edge cases, and use data and product KPIs to continuously improve customer and business outcomes.

What You'll Own

• Own the product charter for a defined portfolio within the LMS platform, including new product lines and expansion opportunities as they arise

• Drive partner discussions end-to-end and bring stakeholders into alignment through critical reasoning and a solid understanding of lending workflows, calculation logic, and system configs before build starts — iterative, discovery-heavy work given each partner's distinct terms

• Write detailed PRDs and work with solution architects/engineering to translate requirements into build-ready specs

• Track roadmap and delivery through Agile/Scrum cadence with engineering

• Own post-go-live monitoring and issue debugging for products under your charter — sustained ownership, not just launch

• Run edge cases and proactive testing before and after release; ensure KPI reporting exists to track product success (data-driven PM)

• Bring a strong problem-solving mindset to complex, ambiguous platform challenges — actively use AI tools to automate workflows and find non-obvious solutions where standard playbooks fall short

• Influence senior stakeholders and cross-functional teams to unblock technical and business roadblocks quickly

What You Bring

• 5-12 years of total experience, with a minimum of 5 years in product management

• Deep, hands-on understanding of Lending and LMS platforms — loan lifecycle: origination, disbursement, EMI/interest calculation, repayments, collections

• Experience negotiating and finalizing product configs directly with lending partners (banks/NBFCs)

• Strong problem-solving orientation — comfortable applying AI tools creatively to tackle large, complex, or previously unsolved problems

• Bachelor's degree in engineering, computer science, or a related field; MBA preferred

• Strong stakeholder management and communication — written, verbal, and cross-functional influence

• Comfortable in a fast-paced, ambiguous environment with multiple concurrent product lines.

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.

Compensation:

If you are the right fit, we believe in creating wealth for you with enviable 500 mn+ registered users, 25 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!