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Job Title: GM/AVP Business Growth & Insights – Merchant Payments
Location: Noida, India
Experience: 10-12 Years in Consulting and Industry Roles
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: As the GM/AVP Growth & Insights for Merchant Payments, you will be instrumental in defining and executing Paytm's strategic vision for our vast merchant ecosystem. This high-impact role demands a strong understanding of the diverse needs of merchants – from the smallest kirana store to a large retail chain – and how they leverage payment acceptance solutions. You will be responsible for shaping our strategy around payment devices, optimizing operational costs and efficiency, and making strategic choices regarding payment gateways, ultimately driving market leadership and profitability.
Key Responsibilities:
Merchant Segment Strategy: Develop and articulate a nuanced strategy that addresses the distinct payment acceptance needs, challenges, and opportunities of various merchant segments (e.g., micro-merchants, SMEs, large enterprises, online businesses). Understand how a small merchant's requirements for a Soundbox differ from a large retailer's use of integrated card swipe machines.
Payment Devices & Hardware Strategy: Drive the strategic roadmap for Paytm's merchant devices portfolio, including Soundboxes, PoS terminals, QR codes, and other innovative hardware solutions. This includes strategy for deployment, feature enhancements, and monetization models for these devices.
Cost Optimization & Efficiency: Lead deep dives into the end-to-end merchant payment processing value chain to identify and implement strategies for optimizing transaction costs, reducing operational overheads, and enhancing overall efficiency across the merchant acquiring business.
Payment Gateway & Processor Selection: Formulate and execute strategies for the selection, integration, and management of payment gateways, processing partners, and acquiring banks, ensuring optimal performance, cost-effectiveness, and reliability for Paytm's merchant base.
Value-Added Services for Merchants: Identify and strategize the cross-selling of additional financial and business services to merchants (e.g., working capital loans, insurance, inventory management tools, loyalty programs) that leverage their payment acceptance data.
Market Intelligence & Competitive Analysis: Conduct rigorous analysis of market trends, emerging technologies, and competitive landscapes within the merchant acquiring space, providing actionable insights to senior leadership
Strategic Growth Initiatives: Identify and incubate new strategic initiatives to expand Paytm's merchant footprint, enhance merchant stickiness, and drive increased transaction volumes.
Cross-Functional Leadership: Collaborate closely with Product, Engineering, Sales, Operations, Risk, and Marketing teams to ensure seamless execution of strategic initiatives and achievement of business objectives.
Desired Skills & Experience:10-12 years of overall experience, with a strong and demonstrable track record in both strategic consulting (e.g., top-tier strategy firms, digital transformation practices) and industry roles (e.g., FinTech, Payments, Merchant Acquiring, Digital Commerce).
Deep domain expertise in Merchant Payments and Acquiring, with hands-on experience in PoS solutions, payment gateways, and diverse merchant segments.
Proven understanding of payment acceptance devices like Soundboxes and traditional card swipe machines, including their deployment, usage patterns, and value proposition for different merchant types.
Exceptional analytical skills with a strong focus on cost structures, operational efficiency, and process optimization within a payments business.
Experience in strategic selection, integration, and management of payment gateways and processing partners.
Ability to break down complex business problems, derive data-driven insights, and formulate clear, actionable strategic recommendations.
Outstanding leadership, communication, and influencing skills, capable of driving consensus and execution across large, complex organizations.
Entrepreneurial mindset with a strong bias for action and a relentless focus on results.
MBA from a premier institution is highly preferred.
Why Join Paytm? This is an unparalleled opportunity to lead strategic initiatives that will redefine merchant payments in India. You will operate at the intersection of cutting-edge technology and massive business impact, shaping the future of how millions of businesses thrive. If you are a strategic leader with a deep understanding of the merchant ecosystem and a passion for driving innovation and efficiency, we invite you to be a part of Paytm's transformative journey.
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