Job Description

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. Paytm provides consumers with services like utility payments and money transfers, while empowering them to pay via Paytm Payment Instruments (PPI) like Paytm Wallet, Paytm UPI, Paytm Payments Bank Netbanking, Paytm FASTag and Paytm Postpaid - Buy Now, Pay Later. To merchants, Paytm 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: We are looking for Risk Manager who can formulate and review the existing policies at Paytm and can track Program/Project performance, specifically to analyze the successful completion of short- and long-term goals

About the team: Paytm Risk team is responsible for making all the decisions on risk management issues that impact the strategic direction of the company. Team exhibits business process knowledge and provides solutions for business progress. They adapt and initiate change in the organization.

Expectations/ Requirements:

1. Creative and dedicated individual who will fit with our collaborative culture

2. Cohesively work with a lot of people, across functions and teams every day

3. Coordinate with other departments for compatibility of all aspects of each project

4. Develop comprehensive project plans along with key stakeholders

5. Program manage initiatives that are driven centrally for Technology improvements

6. Track Program/Project performance, specifically to analyze the successful completion of short- and long-term goals

7. Engage with various Business & Technology Teams within Paytm to identify common bottlenecks esp. on Technology front

8. Enable and encourage use of common services to increase the speed of development and execution

9. Smart thinking and clear communication

10. Be a brand ambassador for Paytm - Stay Hungry, Stay Humble, Stay Relevant!

Superpowers/ Skills that will help you succeed in this role:

1. Assessing the creditworthiness of new and existing customers with their financial statements, credit reports, repayment track, and other relevant information. This involves analyzing financial ratios, credit scores, and conducting risk assessments to determine the credit limits and terms.

2.Implementation of credit policies that align with the organization\'s objectives while minimizing credit risks. This may include setting credit terms, establishing approval processes, and defining collection strategies.

3.Setting credit limits for customers based on the creditworthiness and repayment track. Reviewing and adjusting credit limits as necessary to ensure adequate risk management

4.Building and maintaining strong relationships stakeholders to facilitate effective credit management. Collaborating with sales representatives to assess credit risks associated with business opportunities and offers credit support

5.Monitoring of overdue accounts and plan for effective collection strategies.

6.Generating credit reports, analyzing trends, and providing insights to senior management regarding credit performance, delinquencies, and potential risks.

7.Ensuring compliance with relevant regulations and internal policies related to credit risk management

8.Staying updated on industry best practices and implementing necessary changes to maintain compliance.

9.Leverage data-driven techniques, automate processes, conduct advanced analytics, and visualize insights through data driven tools

10.Knowledge of SQL, Python can bring advantage to the role.

Education: Graduation/Post Graduation

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 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!

Paytm