Paytm Payments Services

B2B payment gateway for enterprises

Manager Payment Routing & Optimization

Business OperationsConfirmed live in the last 24 hours

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

About the Job

Requirements

Three to six years of experience in payment routing, payment operations, or payment product management at a payment aggregator, gateway, fintech, or acquiring bank.
Strong understanding of payment aggregator operations, including transaction flow, success-rate optimization, UPI and card payment mechanics, and acquirer integrations.
Ability to interpret data and translate it into actionable insights.
Familiarity with the UPI PSP/acquirer ecosystem and card network regulations, including Visa, Mastercard, and RuPay.
Strong communication and stakeholder management skills.

Responsibilities

Develop and implement intelligent routing strategies for cards, UPI, and other payment instruments across multiple acquiring banks and payment partners.
Continuously monitor transaction success rates and costs, identify areas for improvement, and switch routing paths accordingly.
Analyze payment-flow data, identify trends and performance patterns across acquirers, and use insights to drive routing rules and configurations.
Collaborate with acquiring banks and payment service providers to understand capabilities, downtime windows, fee structures, and technical updates.
Monitor routing performance and take corrective actions as needed.
Work with business, product, and operations teams to implement routing logic and resolve issues quickly.

Desired Qualifications

Hands-on experience with routing tools, rules engines, or in-house routing logic.
A technical background or experience working with product or engineering teams.
Exposure to real-time monitoring tools and dashboards.
Exposure to and understanding of payment system architecture.

About Us: 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.

We are looking for a highly motivated and detail-oriented Manager – Payment Routing & Optimization to join our Payments Operations team. The ideal candidate will be responsible for managing and optimizing transaction routing across multiple payment methods – including Cards and UPI – and across multiple acquiring partners. This role is critical to improving our transaction success rates, reducing costs, and ensuring the highest service levels to our merchants.

Key Responsibilities:

 Routing Strategy &Execution:

Develop and implement intelligent routing strategies for Cards, UPI, and other

payment instruments across multiple acquiring banks and payment partners.

 Optimization:

Continuously monitor success rates and transaction costs to identify improvement

areas and switch routing paths accordingly.

 Data-Driven Decision Making:

Analyze payment flow data, identify trends and performance patterns across different acquirers, and use this insight to drive routing rules and configurations.

 Acquirer Management:

Collaborate closely with acquiring banks and PSPs to understand capabilities,

downtime windows, fee structures, and technical updates.

 Monitoring & Alerts:

Monitoring and taking corrective actions as needed

 Collaboration:

Work with Business, product, and operations teams to implement routing logic and get issues resolved quickly

Required Skills and Qualifications:

 3–6 years of experience in payment routing, payment operations, or payment product management at a payment aggregator, gateway, fintech, or acquiring bank.

 Strong understanding of how a payment aggregator works – including transaction flow, success rate optimization, UPI and card payment mechanics, and acquirer integrations.

 Analytical mindset with the ability to interpret data and translate it into actionable insights.

 Hands-on experience with routing tools, rules engines, or in-house routing logic is a strong plus.

 Familiarity with UPI PSP/acquirer ecosystem and card network regulations (Visa,

MasterCard, RuPay).

 Excellent communication and stakeholder management skills.

Preferred Qualifications:

 Technical background or experience working with product/engineering teams.

 Exposure to real-time monitoring tools and dashboards

 Exposure and understanding of payment system architecture

Compensation: Competitive, based on experience

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

With enviable 500 mn+ registered users, 21 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!

About the Company

Paytm Payments Services

B2B payment gateway for enterprises

Paytm Payments Services Limited (PPSL) serves as the business-to-business arm of One97 Communications. It provides digital payment infrastructure for online brands, startups, and merchants in India by offering a payment gateway that accepts debit/credit cards, UPI, net banking, and the Paytm wallet. Its product suite includes customizable checkout options for merchant websites and apps, e-commerce plugins, recurring subscription payments, and payment links sent via SMS or email. Revenue comes mainly from transaction fees charged to merchants for processing payments. PPSL differentiates itself through its use of the Paytm technology backbone, scale in the Indian digital payments ecosystem, and a focus on merchant-focused tools and enterprise-grade payment solutions. Its goal is to help businesses of all sizes accept digital payments quickly and reliably, enabling smoother online transactions and contributing to the growth of India's digital economy.

Company size: 51-200
Company stage: Not listed
Total funding: Not listed
Headquarters: Not listed
Founded: Not listed

Recently Posted Jobs

Explore more opportunities at Paytm Payments Services

See more jobs