Program Manager/Category Manager - Lending (Personal Loans)

Role : Program Manager

Function: Personal Loans, Lending

Location: [Noida / Mumbai]

Experience: 3–6 years

About the Role:

We are hiring a Program / Category Manager to help drive Paytm's Personal Loans business.

You will own a set of lending partners end-to-end; their volumes, their economics and their

journey and be the connective tissue between Business, Product, Technology, Operations, Risk,

Compliance, Finance and Marketing.

This is a builder's role, not a coordinator's. You will be expected to find growth yourself: dig into

the funnel, form a view on what is broken or under-exploited, build the business case, and then

drive it to launch with the teams that can make it happen. The partners in this portfolio

contribute a meaningful share of Paytm's monthly disbursals, so the decisions you make show

up directly in the P&L.

Key Responsibilities:

- Own the AOP for your lending partners and drive the initiatives needed to deliver it

month on month, not just at quarter end.

- Build the forward view forecasts, scenario plans and the levers available if the base case

slips.

- Own the funnel end to end: stage-wise conversion, drop-offs, TATs and the specific

reason codes behind each leak, from offer display through KYC, e-mandate, e-sign and

disbursal.

- Run cohort and vintage analysis to understand how different user segments, sources

and offer constructs behave over time, and use it to shape targeting and offer strategy.

- Design and run experiments: A/B tests on journeys, messaging, offers and routing and

read the results honestly, including the ones that fail.

- Build and maintain the dashboards and MIS that the business runs on, so that you and

your stakeholders are always looking at the same, current, correct numbers.

- Turn analysis into a recommendation. The deliverable is a decision with a number

attached to it, not a deck of charts.

- Drive end-to-end execution of strategic lending programs, delivered on time and against

clearly defined business outcomes.

- Manage timelines, dependencies, risks and escalations across cross-functional teams;

keep the critical path visible and unblock it.

- Manage partner onboarding, technology and API integrations, commercial constructs,

SLAs and ongoing governance with Banks and NBFCs.

- Run regular business reviews with partners; performance, approval rates, portfolio

quality, open items and hold both sides to commitments.

- Track market trends, competitor journeys, EMI and BNPL constructs, and partner

ecosystem shifts, and translate them into concrete proposals for our roadmap.

Qualifications:

- Bachelor's degree in Business, Engineering, Finance or a related field. MBA preferred.

- 3–6 years of experience across Program Management, FinTech, Banking, NBFC,

Payments or Consumer Finance.

- Hands-on experience in digital lending or consumer finance; exposure to unsecured

personal loans is a strong plus.

- Working knowledge of the lending value chain — sourcing, underwriting, KYC, disbursal,

servicing & collections and of how bank/NBFC partnerships operate.

- A demonstrable track record of running cross-functional programs that shipped and

moved a business metric

Skills We're Looking For:

Analytical

- Advanced Excel / Google Sheets, modelling, scenario analysis, handling large datasets.

Python or a BI tool (Looker, Tableau, MetaBase, Superset) is a plus.

- Funnel, cohort and experiment analysis; structured, hypothesis-led problem solving.

- Numerate and commercially literate, comfortable with unit economics and P&L logic.

Execution

- Program ownership with a strong bias for action; drives outcomes without waiting to be

told what to do.

- Comfortable coordinating with Product and Technology on scope, sequencing and

trade-offs.

Domain

- Lending and consumer finance; subvention management; business reporting and

financial reconciliation.

- Awareness of the regulatory environment for digital lending in India.

Personal

- Excellent written and verbal communication; can hold a room with senior stakeholders

and can write a clear one-pager.

- High ownership and comfort with ambiguity in a fast-moving environment.

We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.