Summary written by Jobs Hindustan from Paytm's advert and our data on 8,417 current jobs in India. How we check every job
At a glance
Paytm has an opening for Business Finance (Lending) in Noida. It is a full-time office-based role in Finance, Banking & Accounting, asking for at least 4 years of experience, first listed on 31 October. The description mentions AWS, Financial modelling and Excel. Paytm has 186 other openings in India, 105 of them in Noida. Across all employers on Jobs Hindustan there are 15 Finance & Banking openings in Noida today; the typical one asks for 4 years.
Skills in this advert
How often each skill named in this advert appears across the 619 finance & banking jobs we list in India today. Excel is the most widely requested (40% of jobs), while AWS is the least common (1%). Widely requested skills are what employers expect as a baseline; rarer ones show what is special about this job.
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Before you apply
- Check it is still open. We found this job on Paytm's Lever site on 31 October 2026 and checked it again 4 November at 5:47 am IST. When an employer takes a job down, we remove it at our next daily update.
- Check the location works for you. This role is based in Noida. If you would need to move, ask whether relocation support is offered.
- Match the experience. The advert asks for at least 4 years of experience. If you are a little short, a close match on the skills in the advert can still get you shortlisted.
- Tailor your resume. Use the advert's own words, such as AWS, Financial modelling and Excel, wherever they are true for you. Our resume guide shows how.
- Know your notice period. If you are working now, recruiters will ask how soon you can join. Work out your last working day with our notice period calculator, and read our guide to notice periods and resigning.
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About hiring at Paytm
Paytm has 187 openings in India on Jobs Hindustan today across 38 cities. Most are in finance & banking (42), sales & BD (24) and marketing (21). The biggest locations are Noida (106), Bengaluru (39) and Mumbai (33). 1% of them can be done from home, and 8% are open to freshers or interns. We collect Paytm's jobs every day straight from its own careers system (Lever), never from job boards, agencies or consultants.
The employer's advert
This is Paytm's own description of the job, copied word for word from its careers site. We have not edited it.
Show the full advert from PaytmHide the advert475 words
About Paytm
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.
Role Overview
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.
Key Responsibilities
1. Revenue Modelling & Portfolio Economics
- 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.
2. Business Partnering & Decision Support
- 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.
3. Financial Planning & Analysis (FP&A)
- 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).
4. Leadership Reporting & Management Information
- 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.
Key Qualifications & Skills
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.
Jobs Hindustan copied this listing from Paytm's official careers site on 30 October 2026 and checked it again 4 November at 5:47 am IST. Paytm never asks candidates for money. If anyone does, it is a scam.
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