---
title: 'Credit Risk - Manager at Paytm'
canonical: 'https://feeny.ai/job/credit-risk-manager-paytm-noida-qz54015pwgn7'
type: 'job'
last_seen: '2026-09-07'
---

# Credit Risk - Manager at Paytm

- **Company:** Paytm
- **Location:** Noida, India
- **Work type:** onsite
- **Posted:** 2026-08-31
- **Last confirmed live:** 2026-09-07
- **Apply:** https://jobs.lever.co/paytm/0395d0aa-517e-472f-8989-b377895220b7

## Job description

## About Us

Paytm is India’s leading digital payments and financial services company, which is focused on driving consumers and merchants to its platform by offering them a variety of payment use cases.aytm offers acquiring devices like Soundbox, EDC, QR and Payment Gateway where payment aggregation is done through PPI and also other banks’ financial instruments. To further enhance merchants’ business, Paytm offers merchants commerce services through advertising and Paytm Mini app store. Operating on this platform leverage, the company then offers credit services such as merchant loans, personal loans and BNPL, sourced by its financial partners.

About the role: Evangelize and demonstrate the value and impact of analytics for informed business decision making by developing and deploying analytical solutions and providing data driven insights to business stakeholders to understand and solve for various lending business nuances.

The Credit Risk Analyst will be responsible for monitoring , analysing and optimising lending portfolios across consumer / merchant lending products. This includes overseeing portfolio health , developing / refining risk strategies and supporting business growth through risk adjusted decision making.

Key Responsibilities :

- Portfolio Monitoring & Analytics
- Risk Strategy & Policy Design
- Stress Testing & Risk Containment
- Loss forecasting & scenario planning
- Product & Growth Partnership
- Collections Interface / Strategy
- Compliance & Bureau Management

Requirements:

- 5 to 8 yrs in portfolio risk management function in Fintech/ Banks/ NBFC
- Hands on experience in SQL, Python, R, Pyspark
- Good understanding of Bureau data, Alternate Data, Scorecards, Digital Lending API's etc
- Ability to translate data into clear insights and recommendations
- Familiarity with BI tools like Tableau, Looker , Metabase  etc
- Understanding of machine learning models in credit risk
- Strong problem solving and stakeholder management skills

## Why join us

●        A collaborative output driven program that brings cohesiveness across businesses through technology ●        Improve the average revenue per use by increasing the cross-sell opportunities ●        A solid 360 feedback from your peer teams on your support of their goals ●        Respect, that is earned, not demanded from your peers and manager

Compensation: If you are the right fit, we believe in creating wealth for you With an enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants – and we are committed to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of the story!

## About Paytm

## Company Overview
- **One-liner**: Paytm is India’s leading full-stack payments and financial services platform, enabling digital payments for consumers and merchants while distributing loans, insurance, and investment products.
- **Entity Type**: Public (NSE: PAYTM)
- **Headquarters**: Noida, Uttar Pradesh, India
- **Founded**: 2010
- **Founders**: Vijay Shekhar Sharma

## Core Business
- **Primary industries**: Payments, Financial Services, Marketing Services
- **Target customers**: B2C (consumers) and B2B (MSMEs, enterprises, online platforms)
- **Mission/purpose**: “To bring 500 million unserved and underserved Indians to the mainstream economy.” [paytm.com/about-us](https://paytm.com/about-us)

## Products & Services
- **Payment Services (Consumer & Merchant)**: QR code payments, Soundbox devices (with real‑time audio confirmation), All‑in‑One POS terminals, online payment gateway, UPI (including UPI Lite), and card acceptance. _Type_: Hardware + SaaS platform.
- **Financial Services Distribution**: Merchant loans, personal loans, insurance, and equity broking (via Paytm Money). _Type_: Service / marketplace.
- **Marketing Services**: Advertising, travel ticketing (bus, movies, flights), deals & gift vouchers. _Type_: Platform / marketplace.
- **Paytm Money Ltd**: Investment platform for mutual funds, stocks, NFOs. _Type_: App / brokerage.

## Market Standing
- **Valuation / Market Cap**: Not disclosed in provided sources (publicly traded; market cap fluctuates).
- **Key Metric**: Annual revenue estimated at **$758.2M** (LinkedIn, 2025); 39,368 active on‑roll employees in FY 2025. [linkedin.com/company/paytm](https://linkedin.com/company/paytm)
- **Notable Investors / Partners**: Not listed in provided sources (historically backed by SoftBank, Ant Financial, etc. – not verifiable from search results).
- **Growth Signals**: 18.7% YoY headcount growth (+4,811 people); serves **44M+ merchants** and **300M+ consumers**; deepened penetration in tier‑2/3 cities; successfully transitioned to a Third‑Party Application Provider (TPAP) for UPI under a multi‑bank model. [paytm.com/about-us](https://paytm.com/about-us), [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Competitive Advantages
- **Full‑stack merchant payments leader** – owns the merchant relationship, aggregates all major payment instruments, negotiates rates, and provides cutting‑edge hardware (Soundbox, POS).
- **AI‑powered operations** – in‑house platforms Paytm ARMS (merchant lifecycle insights) and Periscope (fraud detection) automate onboarding, segmentation, pricing, and retention.
- **Largest fleet of Soundbox devices** on the street, creating a sticky subscription revenue stream.
- **Massive two‑sided ecosystem** (consumers + merchants) enabling high‑margin cross‑sell of loans, insurance, and marketing services.

## Strategic Focus
- **Payment‑led growth** – continue strengthening merchant payment leadership and expanding the omni‑channel platform.
- **Scale high‑margin financial services** – loan distribution, insurance, and equity broking.
- **Embed an AI‑first approach** across all products and internal processes to drive operating leverage.
- **Explore international expansion** of its technology‑led merchant payments and financial services distribution model. [paytm.com annual report](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

## Why Work Here
- **Benefits**: Medical insurance for self & family, wellness webinars, mental health support, maternity/paternity benefits, ESOPs, annual bonus, car lease, mobile device lease, employee discounts (Paytm Xtras), learning reimbursement, internal job mobility. [paytm.com/careers](https://paytm.com/careers)
- **Culture**: Innovation‑driven, purpose‑oriented (“simplify lives and fuel growth for millions”), with a strong emphasis on AI and technology. [paytm.com/careers](https://paytm.com/careers)
- **Work policy**: Most roles are **on‑site** (Noida, Mumbai, and other locations). [jobs.lever.co/paytm](https://jobs.lever.co/paytm)
- **Engineering culture**: Self‑driven learning, internal mobility, and the opportunity to work on products used by hundreds of millions of users.

## Sources
1. [Paytm Careers Page](https://paytm.com/careers)
2. [Paytm Job Openings (Lever)](https://jobs.lever.co/paytm)
3. [Paytm About Us](https://paytm.com/about-us)
4. [Paytm LinkedIn Profile](https://linkedin.com/company/paytm)
5. [Paytm Annual Report FY2024‑25 (PDF)](https://paytm.com/document/ir/annual-reports/fy2024-25/Paytm_Annual_Report_2024---25.pdf)

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