Growth Management - Associate Vice President - EDC

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 team:
Offline Payment vertical caters to our merchant partners by offering them products like QR code, Soundbox, EDC, Loan. Paytm has been a pioneer in merchant space by introducing innovative solutions like QR codes to accept payments and Sound-box to recon payments by voice alerts. We are also distributing loans to these partners via our 'Paytm for Business' App.

About the Role:
The Associate Vice President/General Manager (AVP/GM) of EDC (Electronic Data Capture) GMV Growth for Offline Payments will be a strategic leader responsible for driving the gross merchandise volume (GMV) and market share of our offline payments ecosystem, primarily through our EDC terminal business. This senior role requires a deep understanding of payment products, merchant behavior, data analytics, and operational excellence to ensure sustained, profitable growth, focused heavily on merchant usage and retention.

Key Responsibilities:
1. GMV Growth Strategy & Execution
Develop and own the overarching strategy, targets, and execution roadmap for EDC GMV growth in the offline payments segment.
Lead initiatives to increase both transaction frequency and average transaction value on EDC terminals.
Collaborate closely with Sales, Product, and Marketing teams to design and roll out new offers, pricing models, and features that accelerate GMV.

2. Usage and Retention Leadership
Define and track core metrics for merchant activation, usage rate, and GMV retention.
Design and implement targeted campaigns, loyalty programs, and communication strategies to boost active merchant base and minimize churn.
Establish Early Warning Systems for merchants showing signs of reduced activity and deploy immediate intervention strategies.

3. Data-Driven Merchant Cohorting & Actionable Insights
Spearhead advanced data analysis to create nuanced merchant segmentation and cohorting based on key dimensions:
Acquisition Channel, Location/Geography, Business Category.
Initial GMV/Activation metrics, Transaction Behavior (frequency, value, ticket size).
Risk and Profitability profiles.
Identify critical levers and friction points for each cohort (e.g., low-activity segment, high-value-but-churning segment).
Define clear, measurable actions for each identified cohort, which may include specific sales interventions, personalized product upsells, targeted training, or service level adjustments.

4. Merchant Experience (MX) Monitoring and Influence
Own the feedback loop from the merchant base to the Product and Operations teams.
Monitor Merchant Experience (MX) metrics related to EDC usage, including terminal uptime, settlement speed, and overall service quality.
Deep dive into Helpdesk and support data (tickets, resolution time, satisfaction scores) to identify systemic product or process failures impacting GMV.
Translate helpdesk insights and product feedback into clear, prioritized product roadmap requirements and operational process improvements.

Skills that will help you succeed in this role
1. Experience: 10+ years of overall experience, with at least 4+ years in a senior leadership role (AVP/GM or equivalent) focusing on GMV growth, revenue, or business P&L in the Payments, FinTech, or eCommerce industry, specifically with Offline or Point-of-Sale (POS) products like EDC.
2. Domain Expertise: Strong understanding of the offline payments ecosystem, merchant acquiring, and value-added services on POS/EDC.
3. Analytical Skills: Exceptional proficiency in SQL, advanced Excel, or BI tools for complex data manipulation, cohort analysis, and deriving actionable commercial insights.
4. Leadership: Proven ability to manage large, cross-functional teams (Sales, Data Analytics, Product) and influence stakeholders at all levels.
Education: Bachelor's degree in Business, Finance, Engineering, or a related quantitative field. MBA is a plus.

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 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 to it. India’s largest digital lending story is brewing here. It’s your opportunity to be a part of th