Paytm Labs

Digital payments, loans, investments, and insurance

Lender Partnerships & Business - Deputy General Manager, Lending

Business Development & PartnershipsConfirmed live in the last 24 hours

Full-timeNoida, Uttar Pradesh, IndiaNo salary listed

About the Job

Requirements

Six to twelve years of hands-on experience in core digital lending, including consumer loans, MSME loans, merchant credit, or co-lending.
A proven track record of managing bank and NBFC partnerships, managing loan funnels, and negotiating commercial structures.
Ability to use data dashboards to track conversion metrics, turnaround time, unit economics, and portfolio health.
Ability to influence cross-functional leaders and senior bank and NBFC executives.

Responsibilities

Own day-to-day and strategic relationships with banks, NBFCs, and institutional lending partners.
Act as the primary business interface for assigned lender partnerships.
Understand lender priorities, risk appetite, products, commercials, and business objectives.
Drive regular business reviews with partners and identify strategic growth opportunities.
Build relationships across business, product, credit, operations, and technology teams at partner organizations.
Own the complete lending funnel, from sourcing and application through approval, disbursal, and portfolio performance.
Track leads, applications, approvals, conversion, disbursals, turnaround time, rejection rates, and revenue.
Identify funnel leakages and work with internal and external teams to improve conversion rates and customer experience.
Develop business dashboards and actionable insights to drive day-to-day performance.
Own business targets and deliver against agreed key performance indicators.
Identify opportunities to grow the lending business with existing and new partners.
Translate customer, market, and lender requirements into new product propositions.
Work with product, technology, credit, operations, and risk teams to launch new capabilities.
Drive initiatives involving new loan products, customer segments, user journeys, pricing, offers, underwriting models, and distribution channels.
Own commercial terms with lending partners in collaboration with internal stakeholders.
Track partner-wise revenue, fees, incentives, and other commercial components accurately.
Own billing and reconciliation with lenders.
Identify and resolve billing discrepancies and commercial leakages.
Manage unit economics and partnership profitability.
Develop partner-wise business plans and long-term growth strategies.
Identify opportunities to increase disbursal volumes, revenue, and margins.
Build business cases for new initiatives and partnerships.
Monitor market trends and competitive developments and translate them into actionable growth strategies.
Optimize the economics and scalability of the lending business.
Drive execution across cross-functional teams without direct reporting authority.
Ensure initiatives are delivered within agreed timelines and aligned with business objectives.
Represent the lending business internally and translate partner requirements into technical and operational execution.

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, which owns the Paytm brand, was founded by Vijay Shekhar Sharma.

Role Overview

We are looking for a high-impact Lender Partnerships & Business to drive our digital lending partnerships. In this role, you will own strategic relationships with banks and NBFCs, lead the complete credit funnel, drive unit economics, and launch innovative financial products to scale India’s largest lending platform.

Key Responsibilities

1. Own Lender Relationships & Business

Own day-to-day and strategic relationships with banks, NBFCs, and institutional lending partners.

Act as the primary business interface for assigned lender partnerships.

Understand lender priorities, risk appetite, products, commercials, and business objectives.

Drive regular business reviews with partners and identify strategic opportunities for growth.

Build strong relationships across business, product, credit, operations, and technology teams at partner organizations.

2. Funnel & Business Performance

Own the complete lending funnel—from sourcing and application to approval, disbursal, and portfolio performance.

Track key metrics including leads, applications, approvals, conversion, disbursals, Turnaround Time (TAT), rejection rates, and revenue.

Identify funnel leakages and work with internal and external teams to improve conversion rates and customer experience.

Develop business dashboards and actionable insights to drive day-to-day performance.

Own business targets and ensure delivery against agreed Key Performance Indicators (KPIs).

3. Product & New Business Initiatives

Identify new opportunities to grow the lending business with existing and new partners.

Translate customer, market, and lender requirements into compelling new product propositions.

Work closely with product, technology, credit, operations, and risk teams to launch new capabilities.

Drive initiatives such as new loan products, customer segments, user journeys, pricing, offers, underwriting models, and distribution channels.

4. Commercials, Billing & Revenue

Own commercials and business terms with lending partners in collaboration with internal stakeholders.

Ensure accurate tracking of partner-wise revenue, fees, incentives, and other commercial components.

Own the billing and reconciliation process with lenders.

Identify and resolve billing discrepancies and commercial leakages.

Maintain a deep understanding of unit economics and the overall profitability of each partnership.

5. Business Planning & Growth

Develop partner-wise business plans and long-term growth strategies.

Identify opportunities to increase disbursal volumes, revenue, and margins.

Build solid business cases for new initiatives and partnerships.

Monitor market trends and competitive developments, translating them into actionable growth strategies.

Continuously optimize the economics and scalability of the lending business.

6. Cross-functional Leadership

Work closely with Product, Technology, Credit, Risk, Operations, Finance, Legal, Compliance, and Analytics teams.

Drive execution across multiple cross-functional teams without direct reporting authority.

Ensure initiatives are delivered within agreed timelines and aligned with business objectives.

Represent the lending business internally, ensuring partner requirements are effectively translated into technical and operational execution.

Candidate Profile & Qualifications

Experience: 6 to 12 years of hands-on experience in core digital lending (Consumer Loans, MSME Loans, Merchant Credit, or Co-lending).

Domain Expertise: Proven track record of managing bank/NBFC partnerships, managing loan funnels, and negotiating commercial structures.

Analytical Mindset: Comfortable using data dashboards to track conversion metrics, TAT, unit economics, and portfolio health.

Stakeholder Management: Exceptional communication skills with the ability to influence cross-functional leaders and senior bank/NBFC executives.

Join Us

A collaborative, output-driven environment that brings cohesiveness across businesses through technology.

Opportunities to improve Average Revenue Per User (ARPU) by unlocking massive cross-sell opportunities across Paytm’s user base.

A solid 360 circle feedback culture supported by peer teams aligned with your goals.

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!

Requirements at a Glance

Experience Level: Senior, Expert

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