Growth Management - Merchant Lending (AM/DM)
About this job
Paytm, a leading mobile payments and financial services distribution company in India, is hiring for the Growth Management - Merchant Lending position based in Noida. The company builds technology to bring small businesses and consumers into the digital economy, aiming to serve half a billion Indians. In this role, you will take ownership of campaigns designed to convert the merchant base into active borrowers. You will focus on driving loan eligibility checks, applications, disbursals, and repeat borrowing for kirana stores, retailers, restaurants, and service merchants. A normal day involves designing and launching multi-channel campaigns, analyzing performance data, building merchant segments, conducting A/B tests, and collaborating closely with Product, Risk, Credit, Analytics, and Sales teams to grow disbursals while controlling acquisition costs.
Responsibilities
- Manage the campaign calendar covering merchant lending acquisition, offer activation, renewals, and win-back strategies.
- Execute campaigns across push notifications, SMS, WhatsApp, email, in-app banners, IVR, and field sales channels.
- Create targeted merchant segments based on transaction volumes, tenure, category, and geography.
- Design and execute A/B tests on creatives, messaging, offer structures, and channel mixes.
- Monitor the full conversion funnel from reach and eligibility checks to sanction and disbursal.
- Handle campaign budgets and incentives while meeting customer acquisition cost and ROI targets.
- Partner with lending institutions on offer structures, approved bases, and co-branded communications.
- Ensure compliance with RBI Digital Lending Guidelines, fair-practice codes, and brand rules.
Requirements
- 4 to 7 years of experience in growth and lifecycle marketing.
- Hands-on background executing CRM campaigns using platforms like CleverTap, MoEngage, WebEngage, Braze, or Netcore.
- Proficiency in data analysis including basic SQL, dashboards, or Excel.
- Strong understanding of experimentation concepts such as control groups and sample sizes.
- Ability to collaborate with multiple stakeholders in a high-ownership work environment.
Who should apply
This role suits professionals with four to seven years of experience in growth and lifecycle marketing who possess hands-on CRM tool expertise and strong data analysis capabilities. Candidates who thrive in fast-paced, high-ownership environments and excel at managing cross-functional stakeholders across product, risk, and sales will find a great fit here. This posting does not state that freshers can apply.
Frequently asked questions
What is the primary objective of the Growth Management - Merchant Lending role at Paytm?
The primary objective is to own and optimize multi-channel campaigns that convert Paytm's merchant base into active borrowers, driving loan eligibility checks, applications, disbursals, and repeat borrowing.
Where is the Growth Management - Merchant Lending position located?
The job location is Noida, Uttar Pradesh.
What experience is required to apply for this Paytm job?
Applicants need 4 to 7 years of experience in growth and lifecycle marketing along with hands-on CRM campaign experience.
Which cross-functional teams will I work with in this Paytm role?
You will work closely with Product, Risk, Credit, Analytics, and Sales teams.
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