---
title: 'Lending Operations & Partnerships - AM - Merchant Lending at Paytm'
canonical: 'https://feeny.ai/job/lending-operations-partnerships-am-merchant-lending-paytm-noida-6e2cxeh4ahxy'
type: 'job'
last_seen: '2026-10-24'
---

# Lending Operations & Partnerships - AM - Merchant Lending at Paytm

- **Company:** Paytm
- **Location:** Noida, India
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-10-22
- **Last confirmed live:** 2026-10-24
- **Apply:** https://jobs.lever.co/paytm/8ef474ea-ea67-4cd4-bcd4-af702e493c52

## Job description

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 proactive and detail-oriented professional to manage day-to-day lending operations, coordinate with internal stakeholders, and ensure smooth and timely loan processing. The ideal candidate should have a good understanding of the lending lifecycle, strong problem-solving skills, and the ability to manage multiple operational tasks efficiently.

## Role Overview

We are looking for a proactive and detail-oriented professional with 2–4 years of experience in lending operations, preferably within the fintech, banking, or NBFC industry. The role involves managing lending partner relationships, overseeing day-to-day operational activities, and ensuring seamless coordination between internal stakeholders and external partners to drive efficient business operations.

## Key Responsibilities

-Lending Operations: Manage day-to-day lending activities, ensuring the smooth and timely processing of loan applications and transactions. -Operational Monitoring: Track daily operations, monitor pending cases, identify bottlenecks, and ensure timely resolution of operational issues. -Partner Management: Coordinate with lending partners, banks, and NBFCs to ensure smooth business operations and timely issue resolution. -Stakeholder Coordination: Collaborate with internal teams, including Product, Technology, Sales, Risk, and Credit, to streamline processes and address operational challenges. -MIS & Reporting: Maintain daily operational trackers, prepare MIS reports, and monitor key performance indicators to track business performance. -Process Improvement: Identify operational gaps and recommend improvement

## Why join us

1. A collaborative output driven program that brings cohesiveness across businesses through technology
2. Improve the average revenue per use by increasing the cross-sell opportunities
3. A solid 360-degree feedback from your peer teams on your support of their goals
4. 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 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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