PPSL - Growth Management - DGM/GM - P4B

About Us: 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 small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology. About the Role: - We are looking for a strategic, data-driven Growth leader to drive business growth across Card payments and Pay By Link (PBL) within the Paytm for Business ecosystem. - The role will own key growth metrics, including Card GMV and transactions and PBL GMV and Monthly Active Users (MAUs). - The ideal candidate will be responsible for driving merchant acquisition and activation, increasing product adoption and usage, strengthening retention among high-value cohorts, and expanding market share across these businesses. - This is a high-ownership role requiring strong growth strategy, analytical capabilities, experimentation and execution. - The candidate will work closely with Product, Engineering, Data, Marketing, Risk and Business teams to build scalable growth initiatives and deliver measurable business outcomes. Key Responsibilities: 1. Card Business Growth: - Own and drive Card GMV and transaction growth through targeted acquisition, activation and engagement strategies. - Increase card acceptance and adoption among merchants and drive deeper usage among existing card-transacting merchants. - Improve the percentage of active card-transacting merchants and strengthen card penetration and market share. - Identify opportunities to increase transaction frequency, average transaction value and overall merchant contribution. - Develop strategies to retain and grow high-value card merchant cohorts, with a focus on the 80/20 principle and Pareto-based cohort management. 2. Personal Business Loans (PBL) Growth: - Drive PBL GMV and growth in Monthly Active Users (MAUs) across EDC and non-EDC merchant segments. - Develop growth strategies to improve product discovery, eligibility-led engagement, application conversion and successful loan disbursals. - Identify opportunities to expand product adoption and engagement across existing and new merchant cohorts. - Work with Product, Risk, Data and Business teams to optimize acquisition funnels and improve conversion across the customer journey. 3. Growth Analytics, Retention and Experimentation: - Define, own and track business KPIs across Card and PBL, including GMV, transactions, adoption, active users, retention and market share. - Use funnel analysis, cohort analysis, merchant segmentation and behavioral insights to identify growth opportunities. - Design and execute experiments, A/B tests and targeted growth interventions to improve conversion, engagement and retention. - Build strategies to protect high-value cohorts, reactivate dormant users and increase the lifetime value of existing customers. - Establish scalable growth playbooks and lifecycle marketing initiatives across different merchant and customer segments. 4. Cross-functional Leadership and Executions: - Partner with Product, Engineering, Data Science, Marketing, Risk and Business teams to execute growth initiatives. - Translate business priorities and analytical insights into actionable growth roadmaps with clear success metrics. - Lead and mentor teams, fostering strong ownership, structured problem-solving and execution excellence. - Continuously identify new growth opportunities across the Card and PBL businesses to drive sustainable and profitable growth. What We’re Looking For: - 6–9 years of experience in growth management, product growth, business strategy, lifecycle marketing or a related field. - Experience in fintech, digital payments, consumer internet, lending or financial services, preferably in high-scale businesses. - Proven track record of driving measurable business growth through customer acquisition, product adoption, engagement and retention. - Strong understanding of GMV, transaction growth, merchant activation, cohort management and funnel optimization. - Experience with growth analytics, segmentation, experimentation, A/B testing and data-driven decision making. - Exposure to merchant acquiring, card payments, lending or similar financial products would be an advantage. - Strong analytical and problem-solving skills, with the ability to translate insights into business outcomes. - Demonstrated ability to work cross-functionally and manage multiple growth charters. - Strong stakeholder management, communication and execution skills. - High ownership, a bias for action and the ability to operate in a fast-paced, ambiguous environment. Why Join Us? At Paytm, you will have the opportunity to build and scale growth initiatives across a large merchant and financial services ecosystem. With a broad customer base, millions of merchants and rich behavioral data, you can drive meaningful business impact while helping bring more Indians into the mainstream economy through technology.