Indias booming consumer market has over 300 million credit-eligible consumers, yet only 35 million actively use credit cards. At Snapmint, we are building a better alternative to credit cards that lets consumers buy now and pay later for a wide variety of products, be it shoes, clothes, fashion accessories, or mobile phones. We firmly believe that an enduring financial services business must be built on the bedrock of providing honest, transparent and fair terms.

Founded in 2017, today we are the leading online zero-cost EMI provider in India. We have served over 10M consumers across 2,200 cities and are doubling year on year. Our founders are serial entrepreneurs and alumni of IIT Bombay and ISB with over two decades of experience across leading organizations like Swiggy, Oyo, Maruti Suzuki and ZS Associates before successfully scaling and exiting businesses in patent analytics, ad-tech and bank-tech software services.

About the Role:

Every merchant on Snapmint generates a funnel: impressions, widget views, EMI selection, eligibility, approval, disbursal, repeat. Behind that funnel sits an owner, a category, an AOV band, an integration type, and a revenue number. Multiply that across a large book and you get a genuinely rich decision surface - most of which is read today through dashboards, instinct, monthly reviews and ad-hoc pulls.

This role is the connective tissue between that data and the decisions taken on top of it. You'll build the reporting, analysis and operating rhythm that a 1520 member merchant-facing team runs on, and you'll work alongside leadership on the calls that come out of it. It's a broad seat by design. The analytical work tells you what's actually happening in the book; the leadership exposure tells you which of those problems is worth solving first.

What You'll Do:

- Business reviews and leadership reporting: Own the weekly and monthly review pack end to end - funnel movements, merchant-level wins and slippages, cohort retention, category and channel shifts. The job isn't assembling slides; it's forming the point of view the slides argue, and defending it when a founder pushes back.

- Merchant and funnel analytics: Own the funnel data end to end - ingestion, hygiene, definitions, and the analysis on top. Diagnose where a merchant is leaking: widget visibility, eligibility, approval, or the last step of checkout. Then tell the team where to spend their week, with the evidence attached.

- Early warning and health signals: Build and keep refining the signal layer - GMV decay, conversion slippage, integration breakage, repeat-rate erosion, and the hard one: separating genuine churn risk from category seasonality.

- Portfolio and coverage design: Merchant segmentation across enterprise, growth and long-tail, ownership mapping, capacity modelling, and coverage rules - plus the discipline to revisit all of it as the book changes, rather than letting last year's mapping calcify.

- Planning and goal governance: Break the annual charter into measurable targets, instrument them, and track them honestly. Flag drift early - including the uncomfortable kind nobody wants to raise in a review.

- Cross-functional programs: Run initiatives across Product, Risk, Sales, Marketing, and Finance: integration quality and breakage, approval-rate improvements, merchant campaign pushes, festive readiness, pricing and subvention changes. You'll own the plan, the owners, the dates and the follow-through - without owning the teams.

- Systems, tooling and definitions: Extend the internal reporting stack and own the metric definitions behind it, so "conversion" or "active merchant" means exactly one thing across the company.

- Process and enablement: Onboarding-to-activation tracking, escalation paths, review cadences, and the templates that make each of them repeatable instead of personality-dependent. Turn what the best people do instinctively into something a new joiner can follow on day 4 - and measure whether it worked.

- Special projects: Competitive and category intelligence on the Indian checkout-financing landscape, merchant segmentation studies, expansion theses, and open-ended "why did this cohort behave this way" investigations that land as a recommendation, not a deck.

Requirements:

- 2-4 years in business operations, revenue operations, strategy or consulting, or analytics - ideally at a fintech, payments, SaaS, or D2C-adjacent company.

- Strong Excel/Sheets and working SQL. You can go from raw transaction-level data to a defensible answer without asking someone else to pull it for you.

- Comfort building with AI tools - automating reporting, generating analysis, and standing up internal trackers and dashboards without waiting on an engineering queue.

- Structured, short, opinionated communication in both writing and decks. Clear beats decorative, every time.

- Ownership instinct and comfort with ambiguity. There is no ready-made playbook for this seat; a good part of your first year is defining it.

Good to have:

- Exposure to checkout funnels, payment gateways, plugin/API/link-based integrations, or lending and underwriting funnels.

- A feel for Indian D2C - category economics, AOV bands, festive seasonality, marketplace versus own-website dynamics.

- Experience running a cross-functional program where you had accountability without authority.

- Familiarity with CRM or reporting tooling and how merchant data moves between systems.

- Not for you if you want a fixed scope, prefer executing a defined plan over building one, or are looking for a pure analytics seat with no merchant or stakeholder exposure.

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