Paytm Labs

Digital payments, loans, investments, and insurance

Business Finance - Lending

Corporate Finance & FP&AConfirmed live in the last 24 hours

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

About the Job

Requirements

A Chartered Accountant (CA) qualification or an MBA in Finance from a top-tier institute.
Four to five years of progressive experience in Business Finance, financial planning and analysis, or Financial Strategy.
Prior experience in Fintech, non-banking financial companies, retail banks, or lending platforms is strongly preferred.
Deep understanding of lending profit-and-loss drivers, including interest income, processing fees, First Loss Default Guarantee provisions, loss provisions, and bureau/API costs is a major plus.
Advanced Excel modelling skills, including the ability to build loan book projections, waterfall mechanics, and daily/monthly accrual frameworks from scratch.
Proficiency in handling large datasets, identifying underlying patterns, and translating complex financial data into business insights.

Responsibilities

Build, maintain, and refine end-to-end financial and revenue models for lending products, including Merchant Loans, Personal Loans, and Postpaid.
Model monthly and daily interest accruals, processing fee yields, First Loss Default Guarantee provisions, collection costs, and cost of funds across lender partners.
Conduct scenario modelling for Annual Operating Plan versus actuals, monthly business review updates, and team plans to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.
Partner with business heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.
Analyze unit economics, including revenue per disbursed or booked card, net return on investment, take rates, and risk-adjusted returns, at product and lender levels to guide business strategy.
Analyze risk-versus-return trade-offs across partner lenders to optimize portfolio allocation.
Lead Annual Operating Plan creation, monthly business reviews, and quarterly rolling forecasts.
Perform variance analysis of actuals against Annual Operating Plan, monthly business reviews, and team plans for disbursements, revenue, gross margin, and business EBITDA.
Drive cost management across cost of goods sold, including API/bureau costs, AWS, and First Loss Default Guarantee provisions, and operating expenses, including promotional expense, collections, and manpower.
Prepare executive updates, flash reports, and board presentations highlighting core drivers, margin bridges, and operational metrics.
Ensure data integrity and seamless tracking of activation metrics, loan book sizing, and revenue realization.

Desired Qualifications

Prior experience in Fintech, non-banking financial companies, retail banks, or lending platforms is strongly preferred.
Deep understanding of lending profit-and-loss drivers, including interest income, processing fees, First Loss Default Guarantee provisions, loss provisions, and bureau/API costs is a major plus.

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.

Role Overview

We are seeking an energetic, analytical, and business-focused Manager – Business Finance to join our Lending Finance team. In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios.

You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency.

Key Responsibilities

1. Revenue Modelling & Portfolio Economics

- Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).

Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners.

- Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.

2. Business Partnering & Decision Support

- Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.

- Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy.

- Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation.

3. Financial Planning & Analysis (FP&A)

- Lead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and quarterly rolling forecasts.

- Perform variance analysis (Actuals vs. AOP / MBR / Team Plan) for Disbursements, Revenue, Gross Margin, and Business EBITDA.

- Drive tight cost management across COGS (API/Bureau, AWS, FLDG provisions) and Opex (Promotional Expense, Collections, Manpower).

4. Leadership Reporting & Management Information

- Prepare crisp, CEO/CFO-ready executive updates, flash reports, and board presentations highlighting core drivers, margin bridges, and key operational metrics.

- Ensure data integrity and seamless tracking of activation metrics, loan book sizing, and revenue realization.

Key Qualifications & Skills

Education: Chartered Accountant (CA) or MBA in Finance from a top-tier institute.

Experience: 4–5 years of progressive experience in Business Finance, FP&A, or Financial Strategy.

Domain Expertise: Prior experience in Fintech, NBFCs, Retail Banks, or Lending Platforms is strongly preferred. Deep understanding of lending P&L drivers (Interest Income, PF, FLDG, Loss Provisions, Bureau/API costs) is a major plus.

Financial Modelling: Advanced Excel modelling skills (ability to build loan book projections, waterfall mechanics, and daily/monthly accrual frameworks from scratch).

Analytical Mindset: Proficiency in handling large datasets, identifying underlying patterns, and translating complex financial data into business stories.

Requirements at a Glance

Experience Level: Mid, Senior
Education: 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