Program Management - Lending EMI

About Paytm:

Paytm is India's leading financial services company offering full-stack payments and financial

solutions to consumers, merchants, and online platforms. Our mission is to bring half a billion

Indians into the mainstream economy through payments, commerce, banking, investments, and

financial services.

About the Role:

We are looking for an experienced Program Manager (DGM/GM) to drive strategic initiatives for

Paytm's Lending EMI business. The role will own end-to-end program execution across No Cost

EMI, EMI at Checkout, and other lending solutions, ensuring seamless collaboration between

Business, Product, Technology, Operations, Risk, Compliance, Finance, Marketing, and external

partners. The ideal candidate should have a strong understanding of the Lending EMI

ecosystem, excellent stakeholder management skills, and experience in driving large

cross-functional programs, process excellence, and business growth.

About the Team:

The Lending EMI team is responsible for building and scaling innovative financing solutions by

collaborating with Banks, NBFCs, and internal teams to deliver seamless customer and merchant

experiences.

Key Responsibilities:

● Drive end-to-end execution of strategic Lending EMI programs, ensuring timely delivery

against business goals.

● Partner with cross-functional teams to manage program timelines, dependencies, risks,

and successful implementation.

● Lead internal stakeholder management and align Business, Product, Technology,

Operations, Risk, Compliance, Finance, and Marketing teams.

● Design and improve scalable processes to enhance operational efficiency and customer

experience.

● Manage partner onboarding, technology integrations, governance, and ongoing

engagement with Banks and NBFCs.

● Own subvention management, financial reconciliation, reporting, MIS, and program

governance.

● Ensure brand alignment across product launches, merchant communication, and partner

initiatives.

● Monitor program performance through data-driven insights and recommend process

and business improvements.

● Stay abreast of market trends, EMI offerings, and competitive landscape to support

strategic initiatives.

Preferred Qualifications

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

● 6-12 years of experience in Program Management, FinTech, Banking, NBFC, Payments,

or Consumer Finance.

● Hands-on experience with No Cost EMI, EMI at Checkout, Consumer Finance, or Digital

Lending.

● Strong understanding of EMI products, subvention models, market practices, and

partner ecosystems.

● Proven track record of managing cross-functional programs and delivering business

outcomes.

Required Skills

● Program Owner

● Strategic Thinking & Execution

● Internal Stakeholder Management

● Cross-functional Collaboration

● Process Design & Operational Excellence

● Lending EMI & Consumer Finance

● No Cost EMI & EMI at Checkout

● Subvention Management

● Business Reporting & Financial Reconciliation

● Product & Technology Coordination

● Analytical & Problem-Solving Skills

● Excellent Communication & Presentation Skills