Manager – Business Finance (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.

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.

- 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.

- 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.

- 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).

- 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.

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.