Jerin John

About Jerin John

I am a product leader with over a decade of experience scaling high-impact products across fintech, digital lending, and e-commerce platforms. My career has spanned building 0→1 products, scaling multi-million-transaction systems, and leading cross-functional teams that operate at national scale.In my current role as Senior Director of Product at Paytm, I lead the Credit Risk charter across merchant and consumer lending. I own the rule-engine, risk-decisioning stack and manage a team of product managers and analysts driving credit policy, automation, and risk efficiency.Earlier at Paytm, I helped scale the company’s ONDC commerce business from zero to xxM+ monthly transactions, led the launch of a logistics routing engine, and managed the central order management system responsible for xxM+ monthly orders. My work has directly improved order fill rates, conversion, and operational efficiency through data-driven product design, AI-enabled automation, and strong execution.Prior to Paytm, I shaped omnichannel retail experiences at JioMart, delivering online-offline commerce journeys and consumer affordability products for millions of users. I’ve developed loyalty and payments products at Loylty Rewardz and IndustryBuying, and built one of India’s early hyperlocal mobility products at Jugnoo, scaling Jugnoo Autos to 100k+ users.Across roles, I specialize in- Fintech & Lending — credit decisioning engines, policy orchestration, risk segmentation, high-volume real-time systems- E-commerce & Hyperlocal — logistics routing, order management, payments, conversion optimization- 0→1 Product Building — developing new business lines such as ONDC, risk systems, and loyalty programs- Leadership — building and scaling teams, mentoring PMs, partnering across engineering, data, operations & businessI love building products that operate at scale, solve real customer problems, and combine strong first-principles thinking with operational depth. Always open to conversations on fintech, credit risk, commerce, logistics, and product strategy.

Experience

1. Senior Director of Product

   Paytm

   Apr 2025 — Present

   Leading the Credit Risk Product charter across merchant and consumer lending (Merchant Cash Advance, Business Loan, Personal Loan, Loan Against Mutual Fund, Postpaid etc.), owning end-to-end credit decisioning, policy orchestration, and risk platform strategy at scale.

Education

• Mar Athanasius College of Engineering

  Engineer’s Degree, Mechanical Engineering

• Lal Bahadur Shastri Institute of Management

  Master of Business Administration - MBA

Skills

• Inventory Management
• Six Sigma
• Product Launch
• Microsoft Office
• Business Development
• Business Strategy
• Payment Gateways
• Entrepreneurship
• Strategy
• E-Commerce
• Market Research
• Wireframing
• Autocad
• Automation
• Iso
• Team Management
• Product
• Ansys
• Jira
• Customer Loyalty Management
• Mobile Applications
• Software Project Management
• Project Management
• Resource Management
• Mechanical Engineering
• Business Analysis
• Online Marketing
• Product Management
• Startup Marketing
• Process Improvement
• Procurement
• Salesforce.com Implementation
• Agile Methodologies
• Management
• Catia
• Customer Retention
• Competitive Analysis
• Scrum
• Product Development
• Growth Hacking