# Growth Management – Merchant Lending (AM/DM)

- Link: https://100xfounder.com/job/paytm-growth-management-merchant-lending-am-dm-626a6f/
- Published: 2026-10-05T18:15:52+05:30
- Author: 

### About Us

Paytm is India’s leading mobile payments and financial services distribution company.
A pioneer of the mobile QR payments revolution, Paytm builds technology that enables
small businesses and consumers to participate in the digital economy. Our mission
is to serve half a billion Indians and bring them into the mainstream economy through
technology.

### About the role

You will own the campaigns that turn our merchant base into active borrowers. That
means designing, launching and optimising multi-channel campaigns that drive loan
eligibility checks, applications,disbursals and repeat borrowing among small businesses—
kirana stores, retailers, restaurants and service merchants who accept payments 
on our platform.

You will work closely with Product, Risk, Credit, Analytics, Sales to grow disbursals
while keeping acquisition costs in check.

### What you will do

 * Own the campaign calendar for merchant lending: new-to-credit acquisition, pre-
   approved offer activation, top-ups, renewals and win-back of dormant borrowers.
 * Plan and run campaigns across push notifications, SMS, WhatsApp, email, in-app
   banners, IVR/outbound calling and the field sales force.
 * Build merchant segments using transaction volumes, tenure, category, geography
   and eligibility, and tailor offers and messaging to each.
 * Design and run A/B tests on creatives, copy, offer framing, timing and channel
   mix; scale what works and kill what doesn’t.
 * Track the full funnel — reach, click, eligibility check, application, KYC, sanction,
   disbursal — and fix the biggest drop-offs with Product and Ops.
 * Manage campaign budgets and incentives (cashback, fee waivers, interest-rate 
   offers) against clear CAC and ROI targets.
 * Coordinate with lending partners on offer constructs, approved bases and co-branded
   communication.
 * Ensure every communication complies with RBI Digital Lending Guidelines, fair-
   practice codes and partner brand rules (KFS, APR disclosure, no misleading claims).
 * Run festive and seasonal pushes (Diwali, wedding season, quarter-ends) when merchant
   working-capital needs peak.
 * Report weekly on campaign performance and share learnings with leadership. Key
   metrics you will own
 * Disbursal volume and count driven by campaigns
 * Funnel conversion rates (offer view → application → disbursal)
 * Cost per disbursal and campaign ROI
 * Repeat / renewal borrowing rate

### What we are looking for

 * 4–7 years in growth, lifecycle . Hands-on experience running CRM campaigns on
   tools such as CleverTap, MoEngage, WebEngage, Braze or Netcore.
 * Comfort with data: you can write basic SQL or work fluently with dashboards and
   Excel to analyse campaign results.
 * Strong grasp of experimentation: control groups, sample sizes, incrementality.
 * Ability to manage many stakeholders and move fast in a high-ownership environment.

### 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.