Business Analyst - Assistant Manager - Lending Reserve

About Us

Paytm is India's leading financial services company that offers full-stack payments & financial solutions to consumers, offline merchants, and online platforms. The company is on a mission to bring half a billion Indians into the mainstream economy through payments, commerce, banking, investments, and financial services. One97 Communications Limited, which owns the Paytm brand, was founded by Vijay Shekhar Sharma.

About the team

Our lending analytics team owns the personal loan funnel end-to-end — from lead generation through disbursal —working across risk, product, growth, and call center operations to continuously improve conversion, approval rates, and disbursal volume across multiple lending partners.

What you'll do

• Own and monitor the personal loan funnel across multiple lending partners, tracking conversion, drop-off, and approval rates at each stage (lead, application, underwriting, disbursal)
• Conduct cohort-level performance analysis to identify underperforming lender segments or funnel stages, and work with the risk team to refine approval logic
• Design and maintain real-time dashboards (Looker) for cross-functional stakeholders across Business, Product, Growth, and Risk Tech teams
• Build and maintain threshold-based alerting systems to flag funnel deviations and anomalies, enabling proactive response
• Partner with the call center/operations team to design data-driven prioritization models that improve outreach efficiency and conversion
• Analyze drop-off and retargeting opportunities to recover users lost at various funnel stages
• Respond to ad-hoc data requests from finance, growth, and call center teams (disbursal reporting, trend diagnostics, etc.)
• Identify opportunities to automate recurring reporting and manual workflows, including using AI tools, to improve team efficiency

What we're looking for

• 2–5 years of experience as a Business Analyst / Data Analyst, ideally in fintech, lending, or a related consumer- tech domain

• Strong SQL skills; working knowledge of Python for basic data analysis is a plus
• Hands-on experience with BI/dashboarding tools (Looker, Power BI, or similar)
• Solid grasp of statistics and ability to translate data into clear, actionable business narratives
• Experience working with or analyzing lending/credit/BNPL funnels is a strong plus
• Comfort working cross-functionally with risk, product, growth, and operations teams
• Bonus: experience using AI tools (e.g., Claude, ChatGPT) to automate reporting or analytical workflows
• Google Apps Script and Spark experience is a plus

Nice to have

• Experience negotiating or influencing external partner (e.g., lender/financier) risk criteria using data
• Exposure to call center/ops prioritization or resource-allocation modeling

Join Us

A collaborative, output-driven environment that brings cohesiveness across businesses through technology.

Opportunities to improve Average Revenue Per User (ARPU) by unlocking massive cross-sell opportunities across Paytm’s user base.

A solid 360 circle feedback culture supported by peer teams aligned with your goals.

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!