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!