Paytm Labs

Digital payments, loans, investments, and insurance

Growth Management General Manager Lending EMI

Growth MarketingConfirmed live in the last 24 hours

Full-timeNoida, Uttar Pradesh, IndiaNo salary listedIn-person

About the Job

Requirements

7–9 years of experience in Growth, Marketing, or Business roles within lending, BNPL, fintech, or consumer internet.
Proven experience running large-scale, data-led acquisition and activation campaigns, both outbound and in-product.
Proven experience running data segmentation, reporting, analysis, query management, and usage-based AI.
Experience working with credit or lending products and a working understanding of underwriting-linked growth constraints.
Exposure to funnel analytics, cohort analysis, and marketing technology or CRM platforms.
Proficiency in Excel, SQL, BI tools, and PowerPoint.
Excellent communication and presentation skills.
Leadership and influencing skills.

Responsibilities

Own the go-to-market strategy and sequencing across customer segments, including existing loan products and lending cohorts, the CIR base, internal usage patterns, new-to-credit customers, and merchant or category segments.
Drive the proactive outreach program end to end, including whitelist targeting, campaign design across push, SMS, email, and in-app channels, frequency and consent management, and conversion tracking.
Own adoption of the standalone eligibility-check surface in the Paytm app and at merchant counters.
Partner with Business Product on funnel design across discovery triggers and own funnel conversion metrics from discovery and eligibility check through onboarding, first spend, and repeat usage.
Define and track cohort-level activation, first-transaction, and repeat-usage metrics; identify drop-off points and drive fixes jointly with Product and Engineering.
Partner with Risk and Risk Analytics to align growth targets and campaign targeting with underwriting cutoffs and portfolio-quality expectations.
Own catalog-led and discovery-marketing initiatives that surface eligible products, retailers, and brand offers to customers ahead of purchase decisions.
Build and maintain the addressable-base sizing model with Analytics, covering ticket-size affordability, category fit, and segment prioritization.
Represent Growth in cross-functional forums with Product, Risk, Brand Alliance, and Finance to align acquisition plans with pricing, subvention, and credit-cost realities.
Own the growth P&L view, including cost per activation, channel efficiency, and campaign ROI, and report on it regularly to leadership.

Desired Qualifications

A bachelor's degree in Business, Engineering, Economics, or a related field.
An MBA.
Growth strategy and go-to-market planning.
Funnel and cohort analytics.
Campaign management across push, SMS, email, and in-app channels.
Segmentation and targeting.
Cross-functional collaboration with Product, Risk, Marketing, and Brand.
Consumer lending or BNPL domain knowledge.
A/B testing and experimentation.
Stakeholder management.
Data-driven decision making.
P&L and unit economics orientation.

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 Role

We are looking for an experienced Growth professional (DGM/GM) to own customer acquisition, activation and usage for our Lending EMI business. The incumbent will drive the strategy and execution behind how customers discover, check their eligibility for, and activate Paytm EMI — spanning proactive outreach to pre-scored segments, always-on in-app/in-store eligibility checks, and in-the-moment discovery at the point of purchase.

The role requires close partnership with Business Product, App Product, Risk, Risk Analytics, Brand Alliance, and Marketing teams to convert Paytm's existing user base — including Postpaid and other lending cohorts, and customers who already use Paytm's free credit report — into active, repeat EMI users, while keeping growth targets aligned with underwriting and portfolio quality constraints.

About the Team

The Growth team for Lending EMI owns the full top-of-funnel, activation charter and usage matrices: sizing and prioritizing the addressable base, running outbound and in-product campaigns, and measuring and improving conversion across every discovery channel — proactive whitelist outreach, standalone self- check, contextual at-purchase discovery, and merchant-assisted discovery.

Key Responsibilities

● Own the GTM strategy and sequencing across customer segments (existing loan products/lending cohorts, the CIR base, internal usage patterns, new-to-credit customers) and merchant/category segments.

● Drive the proactive outreach ("Signup") program end to end: whitelist targeting, campaign design across push/SMS/email/in-app, frequency and consent management, and conversion tracking.

● Own adoption of the standalone "check your eligibility" surface, both in the Paytm app and at merchant counters.

● Partner with Business Product on funnel design across all discovery triggers and own funnel conversion metrics end to end — discovery, eligibility check, onboarding, first spend, repeat usage.

● Define and track cohort-level activation, first-transaction, and repeat-usage metrics; identify drop- off points and drive fixes jointly with Product and Engineering.

● Partner with Risk and Risk Analytics to align growth targets and campaign targeting with underwriting cutoffs and portfolio-quality expectations.

● Own catalog-led / discovery-marketing initiatives that surface eligible products, retailers, and brand offers to customers ahead of a purchase decision.

● Build and maintain the addressable-base sizing model in partnership with Analytics — ticket-size affordability, category fit, and segment prioritization.

● Represent Growth in cross-functional forums with Product, Risk, Brand Alliance, and Finance to align acquisition plans with pricing, subvention, and credit-cost realities.

● Own the growth P&L view — cost per activation, channel efficiency, and campaign ROI — and report on it regularly to leadership.

Preferred Qualifications

● Bachelors degree in Business, Engineering, Economics, or a related field. MBA is preferred.

● 7–9 years of experience in Growth, Marketing, or Business roles within lending, BNPL, fintech, or consumer internet.

● Proven experience running large-scale, data-led acquisition and activation campaigns, both outbound and in-product.

● Proven experience running data segmentation, reportings, analysis, query management, usage basis AI etc.

● Experience working with credit/lending products and a working understanding of underwriting- linked growth constraints.

● Exposure to funnel analytics, cohort analysis, and marketing-technology / CRM platforms.

Required Skills

● Growth Strategy & GTM Planning

● Funnel & Cohort Analytics

● Campaign Management (Push/SMS/Email/In-app)

● Segmentation & Targeting

● Cross-functional Collaboration (Product, Risk, Marketing, Brand)

● Consumer Lending / BNPL Domain Knowledge

● A/B Testing & Experimentation

● Stakeholder Management

● Data-driven Decision Making

● P&L / Unit Economics Orientation

● Excellent Communication and Presentation Skills

● Leadership and Influencing Skills

● Proficiency in Excel/SQL/BI tools and PowerPoint.

Why join us:

Work with a high-performing and passionate product, design, and engineering team.

Shape the future of credit for millions of users.

Build at scale in one of India’s most dynamic and regulated spaces.

Flexible and inclusive work environment with fast decision-making and ownership.

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!

Requirements at a Glance

Experience Level: Expert
Education: Bachelor's, MBA

Benefits

Health & Wellbeing - Your group health benefits are 100% funded by us, and start on your first day.
Travel the World - Even though we are currently working remotely, usually our employees make frequent international business-related trips while working on exciting projects.
Continuous Learning - We're passionate about learning and strive to constantly improve and innovate. We learn from others, our challenges & our successes.
Connection - In this virtual world, we stay connected through events like game nights, movie nights, arts & crafts sessions (like Origami), meditation sessions, and much more.
Autonomy & Flexibility - You get to define how you want to make an impact. We truly believe that great things happen when people are given the trust and freedom to create their own path.
Beautiful Office - Whenever we return back to the office, you’ll get to check out our awesome workspace, complete with pool and ping pong tables, a snack-filled kitchen, and tons of cozy work spaces.

About the Company

Paytm Labs

Digital payments, loans, investments, and insurance

Paytm Labs offers an integrated digital payments and financial services platform in India for individuals and businesses, covering UPI payments, mobile recharges, bill payments, ticket bookings, loans, investments, insurance, metro cards, and more. Users initiate payments or financial actions in the app, which are processed through UPI and payment gateways, with revenue from transaction fees and commissions on financial services. It differentiates itself through a large ecosystem of merchants and users, a wide range of services in one app, and a focus on customer support and trust. Its goal is to make a broad set of financial services easily accessible to mass-market users while growing revenue via payment processing and financial services partnerships at scale.

Company size: 10,001+
Company stage: IPO
Headquarters: Noida, India
Founded: 2014

Recently Posted Jobs

Explore more opportunities at Paytm Labs

See more jobs