Paytm
Paytm | Business Finance (Lending)
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Job Highlights
Responsibilities
- We are seeking an energetic, analytical, and business-focused Manager – Business Finance to join our Lending Finance team.
- In this role, you will act as a key financial partner to business leads, product managers, and risk teams across Personal Loans, Merchant Loans, and Credit Cards portfolios.
- You will be responsible for driving financial planning, developing bottom-up revenue models, tracking portfolio yields/costs, and delivering actionable insights to the CFO and CEO to maximize profitability and operational efficiency.
- Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).
- Conduct scenario modelling (AOP vs.
- Act as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.
- Analyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy.
- Analyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation.
- Lead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and quarterly rolling forecasts.
- Perform variance analysis (Actuals vs. AOP / MBR / Team Plan) for Disbursements, Revenue, Gross Margin, and Business EBITDA.
- Drive tight cost management across COGS (API/Bureau, AWS, FLDG provisions) and Opex (Promotional Expense, Collections, Manpower).
- Leadership Reporting & Management Information.
- Prepare crisp, CEO/CFO-ready executive updates, flash reports, and board presentations highlighting core drivers, margin bridges, and key operational metrics.
- Ensure data integrity and seamless tracking of activation metrics, loan book sizing, and revenue realization.
- Model monthly/daily interest accruals, processing fee (PF) yields, First Loss Default Guarantee (FLDG) provisions, collection costs, and Cost of Funds (COF) across diverse lender partners.
- Conduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.
Qualification
- Experience: 4–5 years of progressive experience in Business Finance, FP&A, or Financial Strategy.
- Domain Expertise: Prior experience in Fintech, NBFCs, Retail Banks, or Lending Platforms is strongly preferred.
- Deep understanding of lending P&L drivers (Interest Income, PF, FLDG, Loss Provisions, Bureau/API costs) is a major plus.
- Financial Modelling: Advanced Excel modelling skills (ability to build loan book projections, waterfall mechanics, and daily/monthly accrual frameworks from scratch).
- Analytical Mindset: Proficiency in handling large datasets, identifying underlying patterns, and translating complex financial data into business stories.
About the company
Paytm (One 97 Communications Limited)
Paytm is the consumer and merchant brand of One 97 Communications Limited, a company founded by Vijay Shekhar Sharma and headquartered in Noida, Uttar Pradesh. Paytm started in 2010 with mobile recharges and bill payments and describes itself as India's leading mobile payments and financial services distribution company and a pioneer of the mobile QR payments revolution in India. It builds technology that helps small businesses with payments and commerce, and its stated mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. One 97 Communications has been listed on the NSE and BSE since November 2021.
Its businesses include UPI and wallet payments for consumers, QR codes, Soundbox and card machines and an online payment gateway for merchants, the distribution of loans, insurance and investment products in partnership with regulated lenders and insurers, Paytm Money for stock broking and mutual funds, Paytm Ads, and ticketing and travel. Finance roles at Paytm span business finance for its lending and payments businesses, financial planning and analysis, treasury and capital markets, direct and indirect taxation, finance controls and governance, internal audit and regulatory compliance — work that suits CA, CMA, CFA, MBA (Finance) and B.Com / M.Com profiles.
