Risk Operations

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.

About the team: Ops & Fraud Risk Management - Lending products

Expectations/ Requirements:

- Strong experience and expertise in consumer frauds preferably in payments & lending space - preferably in transaction risk assessment, portfolio monitoring, risk investigations & RCA for process fixes..
- Complete knowledge lifecycle management of consumer onboarding, monitoring, portfolio management and regulatory/network compliance around lending domain.
- Well verse / adequate experience in handling a larger portfolio of consumer base in transaction / portfolio management.
- Should have been part of a Bank / NBFC / PPI / PSP / Payments aggregator or service provider with established experience in Lending risk policies & strategies
- Extensive knowledge of the consumer fraud investigation process on review alerts, collaboration with stakeholders / Banks, Hold/release of disbursement, good faith and recovery processes to minimize fraud losses.
- Should have taken active part in Risk appetite framework, risk policies, risk metrics, KPI’s etc.,
- Should have managed a team of analysts, run/worked 24/7 in shifts & have an extreme sense of urgency, ownership and accountability.
- Creative and dedicated individual who will fit with our collaborative culture
- Cohesively work with a lot of people, across functions and teams every day
- Coordinate with other departments for compatibility of all aspects of each project
- Develop comprehensive project plans along with key stakeholders
- Program manage initiatives that are driven centrally for Technology improvements
- Track Program/Project performance, specifically to analyze the successful completion of short
- and long-term goals
- Engage with various Business & Technology Teams within Paytm to identify common bottlenecks esp. on Technology front
- Enable and encourage use of common services to increase the speed of development and execution
- Smart thinking and clear communication
- Be a brand ambassador for Paytm - Stay Hungry, Stay Humble, Stay Relevant
- Superpowers/ Skills that will help you succeed in this role
- High level of drive, initiative and self-motivation
- Ability to take internal and external stakeholders along
- Deep Understanding of the Merchant domain / related technology and User Experience
- Love for simplifying
- Growth Mindset
- Willingness to experiment and improve continuously

Qualifications and skills:

- First Line of Defense and / or 2nd LOD experience in risk management within a large financial institution
- Ability to drive change in a dynamic environment through relationship building, and a strong ability to read the room
- Demonstrated ability to quickly build trust and relationships, bridge communication gaps, resolve conflicts, and influence stakeholders at all levels (including executives)
- Demonstrated ability to take industry trends, innovative behaviors, data analytics, and automation to drive a proactive and anticipatory approach to all risk management and control design
- Ability to multitask with simultaneous projects and tasks, while demonstrating urgency, prioritization, and ownership to drive issues to completion
- Strong business acumen in financial services or related industry, and a proven ability to balance strategic thinking with practical implementation skills
- Excellent project management skills and the ability to motivate teams and drive performance
- High energy and proven track record of accomplishments and results
- Strong interpersonal skills, with evidence of working in collaboration across large, complex organizations, including effective influencing skills, a proactive and 'no surprises' approach in communicating issues/requests
- Broad knowledge of applicable laws, rules, regulations, supervisory guidance, and expectations for financial institutions

Why join us
- A collaborative output driven program that brings cohesiveness across businesses through technology
- Improve the average revenue per use by increasing the cross-sell opportunities
- A solid 360 feedback from your peer teams on your support of their goals
- Respect, that is earned, not demanded from your peers and manager

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