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Manager – Business Finance (Lending)

Paytm · Noida · Hybrid

financehybridseniorawsexcel
schedule

Posted

Today

work

Job type

Full-time

domain

Industry

IT & Software

group

Openings

1

About the role

Manager – Business Finance (Lending) About Paytm Lending Paytm’s Lending marketplace connects millions of consumers and merchant partners with top NBFCs and banks across Personal Loans, Merchant Loans, Postpaid, and Credit Cards. We build cutting-edge financial products powered by real-time risk modelling, seamless distribution, and high-volume transaction processing. Role Overview 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. Key Responsibilities 1. Revenue Modelling & Portfolio Economics - Build, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid). 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. 2. Business Partnering & Decision Support - 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. 3. Financial Planning & Analysis (FP&A) - 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). 4. 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. Key Qualifications & Skills Education: Chartered Accountant (CA) or MBA in Finance from a top-tier institute. 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. Noida, Uttar Pradesh

Key responsibilities

  • check_circleCollaborate with the team on day-to-day project tasks
  • check_circleLearn tools and processes used by the organization
  • check_circleDocument work and participate in team meetings
  • check_circleSupport quality checks and continuous improvement

Requirements

  • check_circleBuild, maintain, and refine end-to-end financial & revenue models for lending products (Merchant Loans, Personal Loans, Postpaid).
  • check_circleConduct scenario modelling (AOP vs. Actuals, MBR updates, Team Plans) to assess the impact of take-rate changes, volume mix shifts, and credit policy tightening.
  • check_circleAct as a co-pilot to Business Heads to evaluate new commercial constructs, lender tie-ups, and product feature launches.
  • check_circleAnalyze unit economics (Revenue per Disbursed/Booked Card, Net ROI, Take Rates, Risk-Adjusted Returns) at a product and lender level to guide business strategy.
  • check_circleAnalyze risk vs. return trade-offs (GCL vs. Net ROI) across partner lenders to optimize portfolio allocation.
  • check_circleLead the Annual Operating Plan (AOP) creation, monthly business reviews (MBR), and quarterly rolling forecasts.
  • check_circlePerform variance analysis (Actuals vs. AOP / MBR / Team Plan) for Disbursements, Revenue, Gross Margin, and Business EBITDA.
  • check_circleDrive tight cost management across COGS (API/Bureau, AWS, FLDG provisions) and Opex (Promotional Expense, Collections, Manpower).
  • check_circlePrepare crisp, CEO/CFO-ready executive updates, flash reports, and board presentations highlighting core drivers, margin bridges, and key operational metrics.
  • check_circleEnsure data integrity and seamless tracking of activation metrics, loan book sizing, and revenue realization.

Skills & keywords

awsbusinessexcelfinancelendingmanagernoidapaytm

Benefits & perks

  • check_circleMentorship
  • check_circleCertificate of completion
  • check_circleFlexible work arrangement where applicable