Lending Officer

Company Description Paytm is India’s leading AI-first payments and financial distribution platform serving consumers, merchants, and enterprises. The company offers a broad range of digital payment and financial services designed to simplify everyday transactions and access to credit. Paytm focuses on leveraging advanced technology and data-driven insights to deliver secure, scalable, and user-friendly financial solutions. Team members have the opportunity to contribute to high-impact products that support financial inclusion and digital innovation across India.
Role Description The Lending Officer role at Paytm is a full-time, on-site position based in Mohali/Kharar/Dera Bassi. The role involves assessing loan applications, performing credit evaluations, and supporting underwriting decisions in line with company policies and regulatory requirements. The Lending Officer will manage loan origination processes, verify documentation, and ensure timely disbursal while maintaining accuracy and compliance. This role will also include regular customer interactions to explain loan products, address queries, and provide a positive borrowing experience. Collaboration with internal teams to optimize lending workflows and meet portfolio performance targets is a key part of the day-to-day responsibilities.
Qualifications
Minimum 12th Standard passout.
Demonstrated experience in loan officer or lending roles, with a solid understanding of consumer or small business lending workflows.
Strong foundation in finance and credit analysis, including the ability to interpret financial statements and evaluate risk.
Hands-on experience with underwriting processes, risk assessment, and adherence to lending policies and regulatory guidelines.
Proficiency in loan origination activities, from application intake and documentation review to approval and disbursal.
Excellent customer service skills, with the ability to communicate clearly, manage expectations, and build trust with diverse customers.
Comfort with digital tools, lending platforms, and data-driven decision-making; experience in fintech or digital banking is an advantage.
Strong attention to detail, analytical thinking, and organizational skills to manage multiple cases and deadlines.
Bachelor’s degree in finance, business, economics, or a related field is preferred; relevant certifications in lending or credit are beneficial.

Work arrangement
No