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 consumers and small businesses with payments, commerce, and credit. 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 looking for an early-career Product Manager to join Paytm Lending. The role is about re-imagining how a lending business runs, from underwriting and risk to operations and customer journeys, using LLMs and AI agents. It is a hands-on role. You will dig into data, edge cases, and day-to-day operational problems to understand them from the ground up before designing solutions. We are looking for first-principles thinkers who enjoy building with LLMs and like going deep on real problems.

Key Responsibilities

- Identify workflows across lending (underwriting, risk, recon, operations, collections) where LLMs and agents can add value, and judge where they cannot.

- Build and ship product solutions from prototype to production, working closely with engineering.

- Dig into data, edge cases, and operational detail to understand problems at the root.

- Partner with stakeholders across risk, operations, engineering, and business to align priorities and drive delivery.

- Write clear product requirement documents and manage roadmaps and deliverables.

- Use data to define hypotheses, run experiments (A/B), and track impact use SQL or Excel to access and validate data independently.

- Track key product and data metrics (OKRs and KPIs) and adjust strategy as needed.

Requirements

- Bachelor's degree in engineering, computer science and/or related field with MBA from top tier colleges.

- 2 to 4 years of professional experience in product management, product analytics, or a similar role, with a strong customer-first mindset.

- Genuine, hands-on experience building with LLMs. You have built something real and can explain how it works and what you learned from it.

- Hunger to learn, fresh first-principles thinking, and the ability to stay structured when problems are ambiguous.

- Strong communication and the ability to articulate ideas clearly and simply.

- Comfort with data (SQL, Excel, analytics) to validate your own hypotheses.

- Ability to work and deliver in a fast-paced environment.

- Good to have: exposure to lending, fintech, or MSME products.

Why Join Us

A collaborative, output-driven program that brings cohesiveness across businesses through technology. You will work on high-impact problems in digital lending and help shape how the business adopts AI in a practical, grounded way.

Compensation

If you are the right fit, we believe in creating wealth for you. With 500 mn+ registered users, 25 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers and merchants, and we are committed to it. India's largest digital lending story is brewing here. It is your opportunity to be a part of the story.

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.

Product Management - Manager- Lending (AI & Platform)