Paytm Labs

Digital payments, loans, investments, and insurance

Growth Management - Merchant Lending, AM/DM

Growth MarketingConfirmed live in the last 24 hours

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

About the Job

Requirements

The candidate should have 4–7 years of experience in growth or lifecycle marketing.
The candidate should have hands-on experience running customer relationship management campaigns using tools such as CleverTap, MoEngage, WebEngage, Braze, or Netcore.
The candidate should be able to write basic SQL or work fluently with dashboards and Excel to analyze campaign results.
The candidate should understand experimentation concepts, including control groups, sample sizes, and incrementality.
The candidate should be able to manage multiple stakeholders and work in a high-ownership environment.

Responsibilities

Own the merchant lending campaign calendar, including new-to-credit acquisition, pre-approved offer activation, top-ups, renewals, and win-back campaigns for dormant borrowers.
Plan and run campaigns across push notifications, SMS, WhatsApp, email, in-app banners, IVR and outbound calling, and the field sales force.
Build merchant segments using transaction volumes, tenure, category, geography, and eligibility, and tailor offers and messaging to each segment.
Design and run A/B tests on creatives, copy, offer framing, timing, and channel mix; scale successful approaches and discontinue unsuccessful ones.
Track the campaign funnel from reach and clicks through eligibility checks, applications, KYC, sanction, and disbursal, and work with Product and Operations to address the largest drop-offs.
Manage campaign budgets and incentives, including cashback, fee waivers, and interest-rate offers, against customer acquisition cost and return-on-investment targets.
Coordinate with lending partners on offer constructs, approved bases, and co-branded communications.
Ensure communications comply with RBI Digital Lending Guidelines, fair-practice codes, and partner brand rules, including key-fact-statement and annual percentage rate disclosures and avoiding misleading claims.
Run festive and seasonal campaigns, including Diwali, wedding-season, and quarter-end pushes, when merchant working-capital needs peak.
Report campaign performance weekly and share learnings with leadership.

About Us:

Paytm is India’s leading mobile payments and financial services distribution company. A pioneer of the mobile QR payments revolution, Paytm builds technology that enables small businesses and consumers to participate in the digital economy. Our mission is to serve half a billion Indians and bring them into the mainstream economy through technology.

About the role:

You will own the campaigns that turn our merchant base into active borrowers. That means designing, launching and optimising multi-channel campaigns that drive loan eligibility checks, applications,disbursals and repeat borrowing among small businesses — kirana stores, retailers, restaurants and service merchants who accept payments on our platform.

You will work closely with Product, Risk, Credit, Analytics, Sales to grow disbursals while keeping acquisition costs in check.

What you will do:

• Own the campaign calendar for merchant lending: new-to-credit acquisition, pre-approved offer activation, top-ups, renewals and win-back of dormant borrowers.

• Plan and run campaigns across push notifications, SMS, WhatsApp, email, in-app banners, IVR/outbound calling and the field sales force.

• Build merchant segments using transaction volumes, tenure, category, geography and eligibility, and tailor offers and messaging to each.

• Design and run A/B tests on creatives, copy, offer framing, timing and channel mix; scale what works and kill what doesn't.

• Track the full funnel — reach, click, eligibility check, application, KYC, sanction, disbursal — and fix the biggest drop-offs with Product and Ops.

• Manage campaign budgets and incentives (cashback, fee waivers, interest-rate offers) against clear CAC and ROI targets.

• Coordinate with lending partners on offer constructs, approved bases and co-branded communication.

• Ensure every communication complies with RBI Digital Lending Guidelines, fair-practice codes and partner brand rules (KFS, APR disclosure, no misleading claims).

• Run festive and seasonal pushes (Diwali, wedding season, quarter-ends) when merchant working-capital needs peak.

• Report weekly on campaign performance and share learnings with leadership. Key metrics you will own

• Disbursal volume and count driven by campaigns

• Funnel conversion rates (offer view → application → disbursal)

• Cost per disbursal and campaign ROI

• Repeat / renewal borrowing rate

What we are looking for:

• 4–7 years in growth, lifecycle . Hands-on experience running CRM campaigns on tools such as CleverTap, MoEngage, WebEngage, Braze or Netcore.

• Comfort with data: you can write basic SQL or work fluently with dashboards and Excel to analyse campaign results.

• Strong grasp of experimentation: control groups, sample sizes, incrementality.

• Ability to manage many stakeholders and move fast in a high-ownership environment.

Requirements at a Glance

Experience Level: Mid, Senior

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

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