Paytm Careers

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 that owns the brand Paytm is founded by Vijay Shekhar Sharma and is headquartered in Noida, Uttar Pradesh. Its investors include Softbank, Ant Financial, AGH Holdings, SAIF Partners, Berkshire Hathaway, T Rowe Price and Discovery Capital.

About the team: The core responsibility of the agent product team is to ensure that our field management team is equipped with relevant tools and information to service our merchant partners efficiently and quickly. Our two key stakeholders are our merchants and our agents and we strive towards building a seamless and efficient system to onboard and serve them.

Our primary focus is on building a best in class product for end lifecycle management of an agent starting from his onboarding, tasks management, payouts and career progression. From the merchant partners’ perspective our goal is to deliver quick and efficient service for product deployment and maintenance.

About the role: We’re looking for top data scientists capable of using ML and other techniques to design, evangelize, and implement state-of-the-art solutions for never-before-solved problems.

Expectations/ Requirements     

1.Build and strengthen relationships with functional leaders in sales, product, growth, risk and collections by identifying areas where analytics could help solve existing problems or strengthen business operations·      

2.Apply problem solving frameworks to break the complex business problems faced by the BUs and organization in smaller more manageable problems and translate the business problem in to data and analytics problem·      

3.Identify various business opportunities and apply analytics to optimize conversions and risk·   

4.Generate actionable recommendations based on huge platform data and communicate the insights generated by the teams·      

5. Share reports and dashboards with business stakeholders to empower them to make data driven decisions·     

6. Manage transformation projects that help to improve top line or bottom line through an analytical solution·      

7. Be the champion of data and insight led decision making in the organization and drive change management efforts to bring stakeholders on board·      

8.Manage large teams of business analysts and modeler to deliver analytical solutions and data driven insights to the business stakeholders.

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

1.       4-5 years of experience into data science field in commonly used Traditional classical techniques and New-age ML techniques·     

·         Python Proficiency - Pandas Library, Data wrangling, Plotting, Analysis

·         Statistical and ML - Regression and Decision Trees Techniques

·         End to End Model Training and Measuring Model Performance on Real Business Problems

·         SQL Proficiency - Efficient Database querying, Querying multiple databases

2. Understanding of the intuition/logic/math/stats behind these methods·      

3. Experience with PySpark, experience with distributed system like Hive/ Parallel Processing in Python is plus

Why join us · 

1.We give immense opportunities to make a difference, and have a great time doing that.

2.You are challenged and encouraged here to do meaning work for yourself and customers/clients·      

3.We are successful, and our successes are rooted in our people's collective energy and unwavering focus on the customer, and that's how it will always be. 

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!

Data Science Lead

About Us:

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: 

This position requires to work with massive data from multiple applications & Machine Learning projects.

Requirements: 

Machine learning experience of 7 to 10 years of implementing and successfully deploying ML solutions at scale for real-world problems.

Own the application of machine learning algorithms.

Design and evaluate novel approaches for handling high-volume real-time data streams in a machine learning environment.

Develop a feedback system to improve the selection of features for the algorithms.

Understand the theory and application of theory for common classification, clustering, regression and collaborative filtering.

Curiosity to learn and implement latest developments in the field of data science

Be a brand ambassador for Paytm – Stay Hungry, Stay Humble, Stay Relevant!

Skills that will help you succeed in this role: 

Experience with deep learning applied to areas such as NLP and computer vision.

You have experience in distributed data processing frameworks like Hadoop, Spark or other similar frameworks.

You respect advanced data structures and can use them to solve your problems.

Python, Java, Scala or any other high level languages are a bonus.

You understand what it takes to deliver ML predictions in real time online applications.

Working knowledge of AWS or any other cloud platform. 

Why join us:

Because you get an opportunity to make a difference, and have a great time doing that. You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve. You should work with us if you think seriously about what technology can do for people. We are successful, and our successes are rooted in our people's collective energy and unwavering focus on the customer, and that's how it will always be.

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!

Data Science – Senior Data Scientist ( Model Governance )

About Us:

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 seeking a highly motivated and experienced professional with expertise in credit lending model development, validation, and monitoring. The ideal candidate will be an expert in Python, PySpark, and SQL, with preferred expertise in AWS services such as EMR and S3.

Requirements: 

3-6 years of experience in credit risk model development, validation, and monitoring.

Expert proficiency in one of the programming languages Python/PySpark for data manipulation, analysis, and modeling tasks.

Working knowledge in SQL.

Basic understanding of AWS services, particularly EMR and S3 for data processing and storage will be preferred.

Strong understanding of statistical analysis and machine learning algorithms.

Knowledge of credit risk assessment and scoring methodologies.

Excellent problem-solving and analytical skills.

Effective communication and collaboration abilities for working within cross-functional teams.

Demonstrated ability to take initiatives and work independently in a proactive manner.

Be a brand ambassador for Paytm – Stay Hungry, Stay Humble, Stay Relevant! 

Expectations/Responsibilities:

Collaborate with stakeholders to support credit lending model development, validation, and monitoring initiatives.

Take initiatives in leading and assisting in the validation of credit lending models, ensuring compliance with regulatory guidelines and predefined metrics.

Implement governance controls to maintain compliance with internal and external policies.

Proactively contribute to the definition and implementation of data-driven strategies for credit lending.

Monitor and assess model performance, accuracy, and effectiveness on an ongoing basis.

Conduct exploratory data analysis and assist in preprocessing large datasets for model development.

Work closely with data scientists to interpret and communicate model results, providing actionable insights and recommendations to stakeholders.

Stay updated with the latest developments in data science, credit risk modeling techniques, and industry best practices.

Take proactive measures to document all aspects of model development, validation, monitoring, and governance control processes.

Smart thinking and clear communication

Why join us: 

Because you get an opportunity to make a difference, and have a great time doing that.

You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve. You should work with us if you think seriously about what technology can do for people.

We are successful, and our successes are rooted in our people's collective energy and unwavering focus on the customer, and that's how it will always be.

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!

Data Science – Senior Data Scientist ( Credit Risk Modelling )

About Us:

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: 

This position requires to work with massive data from multiple applications & Machine Learning projects. 

Requirements: 

We are looking for candidates who must have prior credit risk modelling experience 

Machine learning experience of 4 to 6 years of implementing and successfully deploying ML solutions at scale for real-world problems.

Own the application of machine learning algorithms.

Design and evaluate novel approaches for handling high-volume real-time data streams in a machine learning environment

Develop a feedback system to improve the selection of features for the algorithms.

Understand the theory and application of theory for common classification, clustering, regression and collaborative filtering. Curiosity to learn and implement latest developments in the field of data science.

Be a brand ambassador for Paytm – Stay Hungry, Stay Humble, Stay Relevant! 

Skills that will help you succeed in this role: 

We are looking for candidates who must have prior credit risk modelling experience 

You have experience in distributed data processing frameworks like Spark

You respect advanced data structures and can use them to solve your problems.

Python, Java, Scala or any other high level languages are a bonus

You understand what it takes to deliver ML predictions in real time online applications.

You are well versed with Python Data Analysis Stack like Pandas, Numpy and Scikit-learn

Working knowledge of AWS or any other cloud platform. 

Why join us: 

Because you get an opportunity to make a difference, and have a great time doing that.

You are challenged and encouraged here to do stuff that is meaningful for you and for those we serve.You should work with us if you think seriously about what technology can do for people.

We are successful, and our successes are rooted in our people's collective energy and unwavering focus on the customer, and that's how it will always be.

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!