Program Manager/Category Manager - Lending (Personal Loans)

Role : Program ManagerFunction: Personal Loans, Lending Location: [Noida / Mumbai] Experience: 3–6 yearsAbout the Role:We are hiring a Program / Category Manager to help drive Paytm's Personal Loans <business.You> will own a set of lending partners end-to-end; their volumes, their economics and theirjourney and be the connective tissue between Business, Product, Technology, Operations, Risk,Compliance, Finance and Marketing.This is a builder's role, not a coordinator's. You will be expected to find growth yourself: dig intothe funnel, form a view on what is broken or under-exploited, build the business case, and thendrive it to launch with the teams that can make it happen. The partners in this portfoliocontribute a meaningful share of Paytm's monthly disbursals, so the decisions you make showup directly in the P&L.Key Responsibilities:- Own the AOP for your lending partners and drive the initiatives needed to deliver itmonth on month, not just at quarter end.- Build the forward view forecasts, scenario plans and the levers available if the base caseslips.- Own the funnel end to end: stage-wise conversion, drop-offs, TATs and the specificreason codes behind each leak, from offer display through KYC, e-mandate, e-sign anddisbursal.- Run cohort and vintage analysis to understand how different user segments, sourcesand offer constructs behave over time, and use it to shape targeting and offer strategy.- Design and run experiments: A/B tests on journeys, messaging, offers and routing andread the results honestly, including the ones that fail.- Build and maintain the dashboards and MIS that the business runs on, so that you andyour stakeholders are always looking at the same, current, correct numbers.- Turn analysis into a recommendation. The deliverable is a decision with a numberattached to it, not a deck of charts.- Drive end-to-end execution of strategic lending programs, delivered on time and againstclearly defined business outcomes.- Manage timelines, dependencies, risks and escalations across cross-functional teams;keep the critical path visible and unblock it.- Manage partner onboarding, technology and API integrations, commercial constructs,SLAs and ongoing governance with Banks and NBFCs.- Run regular business reviews with partners; performance, approval rates, portfolioquality, open items and hold both sides to commitments.- Track market trends, competitor journeys, EMI and BNPL constructs, and partnerecosystem shifts, and translate them into concrete proposals for our roadmap.Qualifications:- Bachelor's degree in Business, Engineering, Finance or a related field. MBA preferred.- 3–6 years of experience across Program Management, FinTech, Banking, NBFC,Payments or Consumer Finance.- Hands-on experience in digital lending or consumer finance; exposure to unsecuredpersonal loans is a strong plus.- Working knowledge of the lending value chain — sourcing, underwriting, KYC, disbursal,servicing & collections and of how bank/NBFC partnerships operate.- A demonstrable track record of running cross-functional programs that shipped andmoved a business metricSkills We're Looking For:Analytical- Advanced Excel / Google Sheets, modelling, scenario analysis, handling large datasets.Python or a BI tool (Looker, Tableau, MetaBase, Superset) is a plus.- Funnel, cohort and experiment analysis; structured, hypothesis-led problem solving.- Numerate and commercially literate, comfortable with unit economics and P&L logic.Execution- Program ownership with a strong bias for action; drives outcomes without waiting to betold what to do.- Comfortable coordinating with Product and Technology on scope, sequencing andtrade-offs.Domain- Lending and consumer finance; subvention management; business reporting andfinancial reconciliation.- Awareness of the regulatory environment for digital lending in India.Personal- Excellent written and verbal communication; can hold a room with senior stakeholdersand can write a clear one-pager.- High ownership and comfort with ambiguity in a fast-moving environment.