Careers at Paytm

About the role There’s a wide gap between an agent that works in a demo and one that works across millions of live transactions. Closing it is the job. You’ll embed with the teams and customers who depend on AI — risk, fraud, collections, payments, support, developer experience — and design, build, and ship agentic systems into their production environments. You’ll also help build the platform underneath: Paytm’s AI inference platform (Pi) and the agentic runtime, orchestration, and tooling that lets agents reason, plan, use tools, and run multi-step workflows safely.

Backend - Technical Lead About Us: Paytm is India’s largest digital payments and financial services platform, leading the mobile QR revolution. We power millions of businesses and individuals, and we’re building scalable, resilient systems to serve half a billion Indians and beyond. Here at Paytm, technology isn't just about keeping up, it's about building the future. We believe the next generation of engineers must not only scale systems to billions but also leverage AI and GPT tools to accelerate innovation About the Role: 1) As a Technical Lead, you’ll not just write code — you’ll design scalable architectures, coach engineers, and lead technology-first projects. 2) You'll drive backend systems that support 100M+ DAUs, optimize APIs to sub-50ms latencies, and be a champion of engineering excellence. 3) We expect you to actively use AI tools to accelerate architecture design, code reviews, prototyping, and developer productivity. What We're Looking For: 1) 4 to 6 years of hands-on backend engineering experience — Java, Spring Boot, AWS.) 2) Proven ownership of high-scale distributed systems. Deep knowledge of microservices, messaging systems, caching, storage optimization, and cloud scalability. 3) Clear architectural thinking; you can design systems for billions of transactions, not just millions. 4) An AI-first mindset — you should know how to augment yourself with GPT and other AI coding tools to move 2x faster. 5) Strong leadership skills — mentoring, code reviewing, pushing for engineering best practices. Why You Should Join Us: 1) Massive ownership and real-world system building opportunities. 2) Work with AI, not against it — code smarter, architect smarter, and build smarter. 3) We are a pure tech-driven team inside Paytm — no unnecessary meetings, no bureaucracy. 4) You’ll work on critical platforms, live user-impacting systems, and future-proof engineering. Ideal Profile 1) Obsessed with system scale, performance, and reliability. 2) Already using or excited to use AI tools (GPT, Copilot, etc.) for development. 3) Loves deep backend engineering, and believes technology should move fast, with high impact. 4) Wants to grow into a principal engineer, architect, or CTO over time. Preferred Qualifications : Bachelor's/Master's Degree in Computer Science or equivalent(Only from Tier 1/2 colleges)

Backend - Technical Lead About Us: Paytm is India’s largest digital payments and financial services platform, leading the mobile QR revolution. We power millions of businesses and individuals, and we’re building scalable, resilient systems to serve half a billion Indians and beyond. About the Role: 1) As a Technical Lead, you’ll not just write code — you’ll design scalable architectures, coach engineers, and lead technology-first projects. 2) You'll drive backend systems that support 100M+ DAUs, optimize APIs to sub-50ms latencies, and be a champion of engineering excellence. 3) We expect you to actively use AI tools to accelerate architecture design, code reviews, prototyping, and developer productivity. What We're Looking For: 1) 4 to 6 ears of hands-on backend engineering experience — Java/Nodejs. 2) Proven ownership of high-scale distributed systems. Deep knowledge of microservices, messaging systems, caching, storage optimization, and cloud scalability. 3) Clear architectural thinking; you can design systems for billions of transactions, not just millions. 4) An AI-first mindset — you should know how to augment yourself with GPT and other AI coding tools to move 2x faster. 5) Strong leadership skills — mentoring, code reviewing, pushing for engineering best practices. Why You Should Join Us: 1) Massive ownership and real-world system building opportunities. 2) Work with AI, not against it — code smarter, architect smarter, and build smarter. 3) We are a pure tech-driven team inside Paytm — no unnecessary meetings, no bureaucracy. 4) You’ll work on critical platforms, live user-impacting systems, and future-proof engineering. Preferred Qualifications : Bachelor's/Master's Degree in Computer Science or equivalent

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE% are met 6. Compliance & Governance ● Ensure strict adherence to RBI guidelines and regulatory standards ● Handle escalations and customer grievances effectively ● Maintain ethical and compliant recovery practices ● Support internal and external audit requirements 7. MIS, Analytics & Reporting ● Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios ● Manage large portfolio data and generate actionable insights ● Identify gaps in collection strategies and recommend improvements ● Present performance reports and insights to senior management. 8. Key Skills & Competencies ● Strong expertise in collections strategy (early & late buckets) ● Proven leadership experience managing large teams and vendors ● Analytical mindset with strong MIS and reporting skills ● Knowledge of RBI regulations and compliance frameworks ● Excellent communication, negotiation, and problem-solving skills ● Ability to drive performance in high-pressure, target-driven environments

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE% are met 6. Compliance & Governance ● Ensure strict adherence to RBI guidelines and regulatory standards ● Handle escalations and customer grievances effectively ● Maintain ethical and compliant recovery practices ● Support internal and external audit requirements 7. MIS, Analytics & Reporting ● Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios ● Manage large portfolio data and generate actionable insights ● Identify gaps in collection strategies and recommend improvements ● Present performance reports and insights to senior management. 8. Key Skills & Competencies ● Strong expertise in collections strategy (early & late buckets) ● Proven leadership experience managing large teams and vendors ● Analytical mindset with strong MIS and reporting skills ● Knowledge of RBI regulations and compliance frameworks ● Excellent communication, negotiation, and problem-solving skills ● Ability to drive performance in high-pressure, target-driven environments

Role Overview The Area Collections Manager will be responsible for managing end-to-end collections across bucket segments, driving resolution strategies, ensuring portfolio health, and leading large on-ground and tele-calling teams. The role requires strong expertise in delinquency management, compliance, analytics, and team leadership. Key Responsibilities 1. Bucket & Portfolio Management ● Manage collections across delinquency buckets (0–30, 31–60, and higher DPD segments) ● Improve resolution rates in both early and late buckets ● Focus on non-starter and delinquent accounts to prevent roll-forward ● Drive collection efficiency and overall portfolio health ● Monitor daily performance and ensure adherence to CAPE norms 2. Tele-Collections Management ● Handle soft delinquency buckets (0–30 & 31–60 DPD) through tele-calling strategies ● Design and optimize calling patterns based on customer risk profiling ● Improve dialer efficiency, call connect rates, and campaign performance ● Maximize early-stage resolutions to prevent migration to hard buckets 3. Field Collections & Risk Control ● Ensure strong field discipline (app usage, visit tracking, audit trails) ● Drive legal escalation for critical/high-risk cases ● Conduct audits to identify and mitigate portfolio risks ● Maintain strong governance and control mechanisms 4. Team Leadership & Vendor Management ● Lead large teams including Collection Managers, Team Leaders, and Executives ● Manage third-party/vendor collection agencies ● Allocate portfolios and set bucket-wise targets ● Conduct daily huddles, reviews, and performance tracking ● Coach teams on negotiation, objection handling, and resolution strategies 5. Target Achievement & Performance Delivery ● Drive monthly collection targets and improve resolution ratios ● Enhance PTP (Promise to Pay) conversion and kept rates ● Focus on First-Time Delinquent (FTD) customers to reduce future NPAs ● Ensure productivity metrics such as calls, RPC (Right Party Contact), and CE% are met 6. Compliance & Governance ● Ensure strict adherence to RBI guidelines and regulatory standards ● Handle escalations and customer grievances effectively ● Maintain ethical and compliant recovery practices ● Support internal and external audit requirements 7. MIS, Analytics & Reporting ● Track and analyze KPIs: CE%, RPC, PTP, dialer metrics, and resolution ratios ● Manage large portfolio data and generate actionable insights ● Identify gaps in collection strategies and recommend improvements ● Present performance reports and insights to senior management. 8. Key Skills & Competencies ● Strong expertise in collections strategy (early & late buckets) ● Proven leadership experience managing large teams and vendors ● Analytical mindset with strong MIS and reporting skills ● Knowledge of RBI regulations and compliance frameworks ● Excellent communication, negotiation, and problem-solving skills ● Ability to drive performance in high-pressure, target-driven environments

Backend - Senior Software Engineer About US: 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. About the role: As a SSE, You would be working with the senior technology people of our company with the goal of developing high-quality software, aligned with our business strategy and the user demand. Requirements: 2 to 5 years of server-side application development experience with Golang Deeply technical with a track record of successful delivery. An entrepreneurial spirit combined with strong program and product management skills . Excellent written and verbal communication skills with the ability to present complex plans and design. Excellent judgment, organizational, and problem-solving skills. Excellent design and architecture design. Data driven decision making. Preferred Qualifications : Bachelor's/Master's Degree in Computer Science from IIT/NITs Skills that will help you succeed in this role: Language: Java/Node DB: RDBMS, Messaging: Kafka/RabbitMQ, Caching: Redis/Aerospike, Micro services, AWS. Good experience in scaling, performance tuning & optimization at both API and storage layers 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.

About the Role We are a small team of AI builders in Paytm Labs. As a Staff AI Platform Engineer, you will work across inference and agentic systems. You will contribute to Paytm's AI inference platform (Pi), serving internal teams and enterprise customers - running our own coding and domain-specific models (voice, vision, risk, fintech workflows) as well as third-party models. You will also architect and build the platform that enables autonomous AI agents to operate safely and reliably in production - the runtime, orchestration, and developer tooling for agents to reason, plan, use tools, and execute complex multi-step workflows, automating both software development and business processes. You will work at the intersection of LLMs, distributed systems, and production fintech infrastructure, helping define how inference and agentic AI are built and deployed across payments, risk, fraud, collections, support, and developer experience.