Lever ·
full-timeGrowth Management - Merchant Lending (am/dm)
Paytm · Noida, Uttar Pradesh
Paytm operates as a mobile payments and financial services platform that enables small businesses and consumers to transact digitally and access credit. In the Growth Management – Merchant Lending role, you will design and execute multi‑channel campaigns aimed at turning Paytm’s merchant base into active borrowers. Daily work includes building the campaign calendar for new‑to‑credit acquisition, pre‑approved offers, top‑ups, renewals and win‑back efforts; segmenting merchants by transaction volume, tenure, category and geography; running A/B tests on creatives, copy, timing and channel mix; monitoring the full funnel from reach to disbursal and addressing drop‑offs with product and operations teams; managing budgets and incentive structures against CAC and ROI targets; coordinating with lending partners on offer constructs and compliant communication; ensuring all outreach follows RBI digital lending guidelines; and reporting weekly performance to leadership. The role suits candidates with four to seven years of growth or lifecycle marketing experience, hands‑on expertise with CRM platforms such as CleverTap, MoEngage, Braze or Netcore, comfort analysing data via SQL or Excel, a solid grasp of experimentation methods, and the ability to juggle multiple stakeholders in a fast‑moving, high‑ownership environment.
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. Why join us 1. A collaborative output driven program that brings cohesiveness across businesses through technology. 2. Improve the average revenue per use by increasing the cross-sell opportunities. 3. A solid 360 feedback from your peer teams on your support of their goals. 4. Respect, that is earned, not demanded from your peers and manager.
| Role | Growth Management - Merchant Lending (am/dm) |
|---|---|
| Company | Paytm |
| Location | Noida, Uttar Pradesh |
| Type | full-time |
| Compensation | Not disclosed |
| Posted | 2026-10-05 |
| Deadline | Rolling |
Typical process for this type of role
A general guide — the exact steps for this specific listing may vary; check the original posting for details.
- 1ApplicationSubmit your resume through the apply link.
- 2ScreeningRecruiter reviews your background against the role.
- 3AssessmentA technical test, assignment, or coding round, depending on the role.
- 4Interview(s)One or more rounds with the hiring team.
- 5OfferOffer letter with compensation and start date.
Before you apply
0/4Growth Management - Merchant Lending (am/dm) at Paytm: frequently asked questions
- What is the salary for this role?
- Paytm has not stated compensation in the listing. Check the original posting or ask during the application process.
- Is the Growth Management - Merchant Lending (am/dm) position remote, hybrid or onsite?
- The listing gives Noida, Uttar Pradesh as the location and does not state a work mode.
- What is the application deadline?
- Paytm has not listed a fixed deadline, so apply early in case the opening is filled.
- How do I apply for the Growth Management - Merchant Lending (am/dm) role?
- Use the Apply button on this page. It opens the original listing on jobs.lever.co, where you submit your application with the company.
More at Paytm
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- Lending Operations & Partnerships - AM - Merchant Lending · Mumbai, Maharashtra
- HR Business Partner - Noida · Noida, Uttar Pradesh
- IT Audit · Noida, Uttar Pradesh
- Zonal Collection Manager- Jaipur- Lending Collections · Jaipur, Rajasthan
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- Talent Acquisition Intern - IT Recruitment · Noida, Uttar Pradesh
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