Product Analyst

Product Analyst - Lending

Paytm is at the forefront of India's digital payments and financial services landscape, driving innovation in mobile payments and commerce solutions for small businesses. Our mission is to empower a vast segment of the Indian population by bringing them into the formal economy through technology.

We are looking for a meticulous Product Analyst to join our Lending team. This role is instrumental in understanding user behavior within our lending products, identifying critical drop-offs in conversion funnels, and continuously monitoring product performance. You will collaborate closely with Product Managers, leveraging data-driven insights to enhance user experience and drive product improvements.

Key Responsibilities:

• Develop and monitor the performance of conversion funnels for various lending offerings.
• Utilize advanced SQL to extract, clean, and analyze extensive datasets.
• Perform Root Cause Analysis (RCA) to pinpoint bottlenecks or anomalies in product flows, delivering actionable insights and recommendations to Product Managers.
• Generate data-backed insights and validate hypotheses through the analysis of user product interaction data in partnership with Product Managers.
• Stay abreast of advancements in data engineering, analytics, and data science, incorporating technologies like Large Language Models (LLMs) to solve recurring challenges with a platform-centric approach.
• Design and maintain dashboards and reports using BI tools such as Looker, MS Excel, and others to track Key Performance Indicators (KPIs).
• Collaborate with engineering, risk management, and operations teams to support product experimentation and data integrity.
• Automate routine reporting processes and conduct in-depth analyses for advanced insights.

Requirements:

• Bachelor's degree in Engineering, Mathematics, Statistics, or a related quantitative field.
• 2-4 years of experience in a data or product analytics role, with a preference for experience within the fintech sector.
• Strong command of SQL, including advanced concepts like window functions, CTEs, joins, and nested queries.
• Hands-on experience with Python for data analysis, manipulation, and automation tasks.
• Proficiency in using BI tools like Looker, Tableau, or Power BI.
• Advanced skills in Microsoft Excel, including pivot tables, data cleaning, and charting.
• Exceptional problem-solving abilities with a structured analytical approach.
• Demonstrated ability to communicate complex data insights clearly and actionably.
• Experience with AI/ML tools and the practical application of LLMs (e.g., ChatGPT, Claude) for data summarization, insight generation, and process automation.
• Familiarity with prompt engineering and an understanding of agentic AI systems and their relevance to product analytics.

Nice to Have:

• Experience with A/B testing and experimental design methodologies.
• Exposure to lending or risk management product workflows.
• Understanding of funnel analysis, conversion optimization techniques, and behavioral analytics.

Why Join Us?

Contribute to a collaborative and output-driven environment that fosters business cohesiveness through technology. Play a key role in improving average revenue per user by identifying and capitalizing on cross-sell opportunities. Benefit from a robust 360-degree feedback system from peer teams regarding your support for their objectives. Work in an environment where respect is earned through contribution and collaboration.

Compensation & Opportunity:

We believe in creating significant value for our employees. With over 500 million registered users, 25 million merchants, and a wealth of data within our ecosystem, we are uniquely positioned to democratize credit for deserving consumers and merchants. India's most significant digital lending story is unfolding here, and this is your chance to be a part of it.

Note: We may utilize artificial intelligence (AI) tools to assist in certain aspects of the hiring process, such as application review and resume analysis. These tools are intended to support our recruitment team and do not replace human judgment. All final hiring decisions are made by our human recruiters and hiring managers. For information regarding data processing, please contact us.