Akash Singhi

2017: Joined Juspay before India's fintech boom 2020: Tried everything PM at Razorpay 2023: Now, Building for scale at Paytm Navigating the world of product management has been a journey filled with learning and growth. From honing my tech, system thinking & abstraction skills at Juspay. To laying the foundation for product thinking, execution & GTM at Razorpay. To leading a high-performance team at Paytm. Each step has been an integral part of my career progression. While my path has seen its share of challenges, I have received the necessary support at each stage of my career and have not shied away from asking for help whenever required. On similar lines, when I wanted to upskill myself, I joined GrowthX®, and the learning has been invaluable. Putting effort is in your hands, so focus only on that with discipline. Key lessons? As Dhoni said, "Focus on the controllable." Huge thanks to the GrowthX community for their relentless support and knowledge sharing. It truly embodies the spirit of community-driven learning without expectations of monetary return. PS: the deadline to apply for the 4 Week Growth Program is Nov 30th. Join me at GrowthX with my link in the comments. 🌱

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Buying gold / silver coins on the auspicious occasion of Akshaya Trithiya come under low frequency - low complexity purchase category. It is a seasonal product bought generally during specific occasions. Zepto Blinkit Swiggy lapped up this opportunity and started selling this with the benefit of quick delivery. No wonder the sales picked up quite well. I wonder how much would it have impacted the sales of larger eComm players. Sales trends from swiggy is already out. I am sure the trend will be similar for Zepto - Aadit Palicha and Blinkit - Albinder Dhindsa I detailed out this approach and more in my notes - https://lnkd.in/gBmvVKy2

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🚨Swiggy IPO gets oversubscribed led by QIB bids Swiggy’s IPO was oversubscribed 1.07 times by the third day, driven largely by QIBs, who oversubscribed their portion 1.52 times. Retail investors subscribed to 97% of their portion, while Non-Institutional Investors (NIIs) made bids for 22% of their allocation. Swiggy's employee quota also saw strong demand, with a subscription rate of 1.38 times. Swiggy raised around Rs 5,085 crore (approx. $605 million) from anchor investors like HDFC, ICICI, SBI, and global players including Fidelity and BlackRock. by Akshita Toshniwal | #SwiggyIPO #IPO #QIB #RetailInvestors #Foodtech Read more 👇 https://lnkd.in/ggm_piMt

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🚀 Indian Web Design: Why is it so cluttered ? Whenever we see a banking, ticketing website or any government based portal - we feel like there are too many things on the home page. I found a wonderful video on why they are designed that way? Well, it has roots in Culture, Mobile and Cost. ✨ Cultural Nuances Matter: India’s diverse cultural backdrop influences user preferences in ways you might not expect. High-context cultures here love subtlety – think designs that communicate more with less. 📱 Mobile-First Tech Boom: With smartphone adoption sky rocketed in the post Jio world, Indian designers are all about mobile-first strategies. 💸 Cost-Effective, Not Cheap: Yes, Indian web design is affordable, but that doesn’t mean compromising on quality. Functionality? Usability? are all encaps in it. 🌍 Diverse Regional Flavors: Designing for India means understanding regional differences, from language quirks to color symbolism. These details matter when connecting with local audiences. 💡 Human-Centric Design: It’s not just about pretty visuals – Indian designers focus on how people actually use the web. The result? Functional, intuitive, and user-friendly sites. #WebDesign #IndianTech #DigitalInnovation #UserExperience #MobileFirst

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PB Fintech aka Parent Company of PolicyBazaar and PaisaBazaar is up by 10% today. WHY? India's telecom watchdog on Tuesday (TODAY) directed service providers to stop all promotional calls from unregistered callers and blacklist them as it looks to tackle a surge in spam and phishing calls that has seen people lose millions of rupees. 𝐓𝐡𝐚𝐭 𝐦𝐞𝐚𝐧𝐬 𝐂𝐨𝐦𝐩𝐚𝐧𝐢𝐞𝐬 𝐜𝐚𝐧𝐧𝐨𝐭 𝐮𝐬𝐞 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐩𝐡𝐨𝐧𝐞 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐟𝐨𝐫 𝐜𝐚𝐥𝐥𝐢𝐧𝐠. 𝐎𝐧𝐥𝐲 𝐫𝐞𝐠𝐢𝐬𝐭𝐞𝐫𝐞𝐝 𝐧𝐮𝐦𝐛𝐞𝐫𝐬 𝐥𝐢𝐤𝐞 14𝐗𝐗 16𝐗𝐗. Ofcourse PB Fintech's both big companies (PolicyBazaar and PaisaBazaar) must be digital and compliant. The market seems to rate them as Compliant and a Winner. But there are over 1000's of companies (Insurance brokers, lending, real estate, auto) which are non compliant and will face difficulties. However there will be one more problem with 14XX and 16XX numbers. Lesser people would pick up calls i.e. Connect/Contact rates will decline. So what's the solution? Use multiple channel of customer outreach i.e. Enterprise WhatsApp. Customers prefer it, sales agents love it. My company Saleschat.pro equips enterprises and mid market with an efficient yet compliant WhatsApp channel for telesales. 𝐀𝐧𝐝 𝐘𝐞s 𝐰𝐞 (Saleschat.pro) 𝐡𝐚𝐯𝐞 also 𝐏𝐨𝐰𝐞𝐫𝐞𝐝 𝐭𝐡𝐞 𝐁𝐮𝐥𝐥 𝐨𝐟 𝐭𝐨𝐝𝐚𝐲'𝐬 𝐦𝐚𝐫𝐤𝐞𝐭 😉 . Note: These are my personal views. My cursory reading about the market. I am not an expert and I am NOT giving any stock advice here. #TRAI #WhatsApp

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Companies like Zepto and Blinkit have evolved beyond being mere aggregators. They have managed to hardcode 𝐝𝐢𝐬𝐜𝐢𝐩𝐥𝐢𝐧𝐞 into their technology. While you and I might question some of their methods, we're simultaneously enjoying the convenience of having anything and everything delivered to our doorstep. Behind this convenience are countless delivery partners who brave extreme weather, navigate through difficult traffic, and maintain a smile despite the challenges. I am really grateful for that. It helped especially in COVID. The possibilities in this sector seem endless, and I'm certain their product teams are working tirelessly to expand them further. Recently, I watched "Zwigato," a film starring Kapil Sharma that portrays an amalgamation of existing food and delivery apps. It revealed the behind-the-scenes struggles of delivery partners. It's truly heartbreaking to see these workers constantly on their toes, being fined for circumstances beyond their control, and having their earnings reduced due to negative reviews and more. However, consider the flip side: Without SOPs and rules, if delivery partners could stay offline for hours or days according to their whims, would these apps be able to maintain the discipline they promise? Yes, they're building tech companies, and yes, they're enforcing discipline. Could they be more humane about it? Absolutely – even if it means lower profits. In today's distracted world, with its diminishing attention spans and readily available sources of dopamine, the discipline to show up consistently has become invaluable. Most leaders recognize this and are leveraging its benefits. #discipline #aggregators #business #marketplaces #aggregator

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Kaun Banega CTO?! Shocking insights via The Mint - Highly valued Indian startups are opting out of hiring new executives at exuberant packages to lead tech innovation. This comes when a persisting funding downturn has pushed them to put a lid on hiring and venturing into new growth verticals to control cash burn. - Several new-age companies, including Zomato and Healthify, that have relied on tech to drive disruption are now opting out of hiring replacements for the once-prized C-suite role. - Companies retaining their high-cost CTOs are pushing them to take on additional roles such as “IT management, product oversight, or broader organisational responsibilities", it said. Why? “Over the last year or so, there’s been a lot of focus on profitability and making the business viable. We are now emphasising the right mix of talent and cost, and honestly, titles don’t matter," Mota Moti: It seems the “overpaid, over-hyped, over-marketed, overvalued” CTO is coming back to becoming just another #dhandhekibaat row item :)) If you have views, please share?! My view: if you are a promoter that doesn't know Tech, then this is not an option. Article link in comments!

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📊 Is pricing the answer to fragmenting the UPI App market? 📊 📈💡NPCI has extended the 30% market cap deadline because the top 3 UPI apps have ~92% market share. Phonepe, Paytm & Gpay capitalized on the early mover advantage. New apps don’t have incentives to compete for UPI volumes because it is a “free product.” And while this was why it grew, it has now also hindered entry of new players ✅ Global real time payment (RTP) equivalents are usually free for the customer while merchants are charged. Ex: 🇧🇷 Pix: Merchant: 0.22 - 0.3% / txn, free for user 🇨🇭 Twint: Merchant:1.3% / txn, free for user 🇵🇱 Blik: Merchant: $0.1 - $0.75 / txn, free for user 🇸🇪 Swish: Merchant: $0.09 / txn, free for user 🇸🇬 PayNow: Merchant: 1.3% / txn, free for user 📈💡 If we want to keep RTP free for the end user, the constraint is free P2P payments. Only P2M can be charged. Is that feasible? Let’s look at the data: 📌 UPI Value (in Cr): From April ‘23 to ‘24, grew by 39.6%. P2P grew from 10L Cr to 14L Cr, at ~32% growth YoY. And P2M grew from 3.2 L Cr to 5.3 L Cr, at~65% YoY. 📌 UPI Volume (in B txn): From April ‘23 to April ‘24 UPI volume grew by 62%. P2P grew from 3.8B to 4.9B, at YoY 29%. P2M grew from 5B to 8.3B at YoY 65%. And proportionally: 📌 April ‘24 Value: Total: INR 19L Cr, P2P: 72.97%, P2M: 27.03% 📌 April ‘24 Volume: Total: 13.3B, P2P: 37.5%, P2M: 62.5% ✅ The constraint of only being able to price P2M transactions is not a blocker, P2M seems to have significant volumes. But that’s the overall P2M market: There is a big segment that falls within P2PM (unorganized merchants), that NPCI will not charge 📈💡Let’s assume that P2PM majorly consists of low value transactions of AoV less than Rs 2000. If we look at AoV > 2000 bucket of P2M transactions, this constitutes for 4.50% of txn numbers, and 68.36% of P2M txn value. ✅ So even excluding P2PM this still leaves a significant~68% of P2M monthly value or 4.5% of P2M txns that can be monetized So what’s the ideal pricing model? ❗Well, the cost of a UPI transaction is ~Rs 0.4. At 13.3B UPI txns that is a monthly cost of Rs 532 Cr. Which is Rs 6384 Cr per annum to maintain the UPI ecosystem! The pricing needs to generate atleast this much❗ 1️⃣ Option 1: Fixed fee / txn: If only AoV > Rs 2000 txns are charged, then to break-even, the fee per txn needs to be Rs 15, which is high. If ALL the P2M txns are charged, then a per txn cost of Rs 0.67 would be enough to break-even. But the P2PM merchant would be impacted 2️⃣ Option 2: % of txn value: If only AoV > Rs 2000 txns are charged, then the break-even fee is 0.15%. If the total P2M value is charged, the fee needs to be 0.10%. Seems to make more sense But even if pricing comes, while it incentivizes new apps it also incentivizes incumbents to keep their market share. Enter: the 30% UPI market share cap To read the full article and other pieces like this, click here: https://lnkd.in/gSPm49aq #fintech #UPI #NPCI

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🚀 Swiggy’s Stock Soars 15%, Market Cap Crosses ₹1 Lakh Crore on Day One.🚀 Swiggy shares just launched with a surprising surge, catching the market’s attention and raising investor curiosity. Here’s what this article covers: 📈 Why did Swiggy shares surge, achieving a strong listing and 15% intraday gain. 🔍 How analysts are reacting, with mixed reviews on Swiggy’s growth potential and profitability challenges. 🔮 What’s next for Swiggy in quick commerce as it expands Instamart and targets new markets. Read this full article by Money control to learn more👇👇 Disclaimer: This information is for educational purposes only and does not offer investment advice. We are not responsible for any losses or discrepancies. Please conduct your own research before making any financial decisions. #swiggy #ipo #stockmarket #capitalmarkets #investment #sharemarket #stocks #indianstocks #marketdebut #quickcommerce #fooddelivery #unlistedshares #instamart #zomato #blinkit #startupgrowth #stocksurge #marketnews #investing #financialgrowth #equity #Analah

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"I Was Wrong... And I'm Glad I Was!" 💡 In one of my earlier roles, my team and I were implementing UPI payments with QR codes on invoices for B2B transactions. I couldn’t help but think, "Who would want to use UPI for B2B in India when most mom-and-pop stores prefer cash?" 🚶‍♂️💸 At first, the traction was near zero, and eventually, we reached a mere 5% of all transactions. At that point, I questioned whether all this effort was worth it for such a small share.But then… COVID hit. Suddenly, the number of UPI transactions soared to over 30% of our overall transactions! The benefits, particularly in terms of reconciliation and eliminating the hassle of cash management, became crystal clear. UPI went from being a vitamin (a nice-to-have) to a painkiller (a must-have) overnight. 💊✨ My biggest takeaway? Nothing in life is constant (change is the only constant even for business processes). What seems like a vitamin today might just become a painkiller tomorrow. So, keep experimenting, stay patient, and be open to learning. You never know when the tides will turn. 🌊 Have you ever had a similar realization in your work? I’d love to hear your stories! Share your thoughts in the comments below. 👇 PS: Co-Author #ChatGPT

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Navi UPI has risen to claim the 5th spot in the UPI ecosystem, surpassing Amazon, marking a significant achievement! 🚀 Are you a fintech advertiser looking for the best ROI? We're building the Navi Ad platform tailored to meet your needs. If you specialize in co-branded credit cards, secured/unsecured lending, or other fintech solutions geared towards revenue growth, let's connect! Interested in accelerating your business growth? Feel free to reach out via DM or comments. Let's collaborate and drive your business to new heights together. 📈 #Advertising #Marketing #Collaboration #Traffic #MarketingOpportunities #Collaboration #AdTech #IndianFintech #AffiliateMarketing #DigitalMarketing #BusinessGrowth #PerformanceMarketing #AffiliateNetwork #MediaBuying #India

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With the amount of #digitalfrauds happening around us, soon India may be called digital fraud capital of the world. - VPP / COD package delivery from unknown person - Fraudsters using UPI collect links for the stuff posted on OLX/Quikr - Claim your credit card / bank reward points that are going to expire today - BlueDart/Fedex/DHL package being held by customs because of some suspicious contents - Aadhaar being used to buy fraud SIM cards - Drugs found in the package that you sent to some overseas destination - Your son /daughter has been involved in some activity and now under custody - Digital arrrests And now the latest one…. #HiringFraud ~~~~~~~~~~~~~~~~~~ Sir, I am HR consultant calling from <garbled name> consultancy. Are you looking for a senior level job with min 1 Cr package? I have been authorised by a few multinationals to conduct first 2 rounds of interview and I can assure you a min 25-30% hike on your current salary. <I got your mind now!!!!> Since this position will be filled via internal referral, I am not at liberty to disclose the name of the (large US based MNC) company <red flag!!!> and we may not be getting the talent acquisition fee, so you will have to pay a small registration fee upfront (can range from 1k to 5k). Once you are through with our rounds, company’s managing director will directly interview you and that will be the final round <red flag!!!!> You have to share your   - Updated CV - Aadhaar card <so that we can use that for further frauds> - Lastest salary slip <Because it has your bank details and the salary amount that we can siphon off> - Location preference Once we receive all the details we will share the payment link on WhatsApp along with the JD <no we don’t have a website or Linkedin page or any sort of thing that may leave a digital signature> ~~~~~~~~~~~~~~~~~~ Be aware...Be Safe. जानकार बनें और सुरक्षित रहें #fraud #digitalfraud #scam #scamster #hiringfraud

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What metrics would you track for WhatsApp, Zomato , Meesho or Flipkart ? . . If you have given product interviews, you are highly likely to have come across this question. This is indeed a very important area for a product manager to identify what metrics to track for a product or a feature. “If you can’t measure it, you can’t improve it.” This is not just a line, but an integral part of a PM’s day-to-day work and that’s why this question is asked in most of the product interviews. Let’s see how we approach these questions. Before answering, ask these 4 questions to get more clarity: [𝟭] 𝗪𝗵𝗼 𝗶𝘀 𝘁𝗵𝗲 𝗮𝘂𝗱𝗶𝗲𝗻𝗰𝗲/𝗰𝗼𝗻𝘀𝘂𝗺𝗲𝗿 𝗼𝗳 𝘁𝗵𝗲𝘀𝗲 𝗺𝗲𝘁𝗿𝗶𝗰𝘀? This is really important to understand who will consume these metrics because the depth and technicality of metrics will change accordingly. If you were to tell your salary to your grandma vs to your Chartered Account for tax filing - would you tell the same way? No, right? For the same reason, the depth and technicalities will change. The CEO might want to look at high-level numbers (40,000 ft); the Product Head may look at 10,000 ft; whereas the PM will look at 1,000 ft. Be mindful of the consumer. [𝟮] 𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗼𝗯𝗷𝗲𝗰𝘁𝗶𝘃𝗲 𝗼𝗳 𝘁𝗿𝗮𝗰𝗸𝗶𝗻𝗴 𝘁𝗵𝗲𝘀𝗲 𝗺𝗲𝘁𝗿𝗶𝗰𝘀? → If the objective is just to track day-to-day performance, then you will approach in good depth. → If the objective is competitive intelligence, then you will identify those metrics for which you will have competitor’s data. You will not always have all the data for competitors, be mindful to do apples-to-apples comparison. → If the objective is Root Cause Analysis, then approach it in a very targeted manner and you identify only those metrics that may help you solve the problem. [𝟯] 𝗪𝗵𝗮𝘁 𝗽𝗹𝗮𝘁𝗳𝗼𝗿𝗺 𝗮𝗿𝗲 𝘄𝗲 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁? The metrics may change significantly for Web (Desktop/mWeb) vs Android vs iOS. Metrics such as app installs, uninstall rate, app store rating, etc. will be relevant only for app-based products. Metrics such as SEO traffic, bounce rate, etc. may be relevant only for web-based products. [𝟰] 𝗪𝗵𝗼 𝗮𝗿𝗲 𝘁𝗵𝗲 𝘂𝘀𝗲𝗿𝘀 𝗼𝗳 𝘁𝗵𝗲 𝗽𝗿𝗼𝗱𝘂𝗰𝘁 𝘄𝗲 𝗮𝗿𝗲 𝘁𝗮𝗹𝗸𝗶𝗻𝗴 𝗮𝗯𝗼𝘂𝘁? There can be 2 or more user types of the product. Uber has drivers and riders. Airbnb has hosts and guests. YouTube has creators and consumers. Likewise, you need to identify the user for whom you are capturing metrics. 𝗡𝗼𝘄, 𝗵𝗼𝘄 𝘄𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗴𝗼 𝗮𝗯𝗼𝘂𝘁 𝗶𝗱𝗲𝗻𝘁𝗶𝗳𝘆𝗶𝗻𝗴 𝗺𝗲𝘁𝗿𝗶𝗰𝘀 𝗳𝗼𝗿 Amazon? #ProductManagers #Amazon #Uber #Metrics #Airbnb #Flipkart

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New Report Alert: Decoding the Online Ticket Business in India & Zomato - Paytm Deal! (Zomato to buy Paytm's entertainment ticketing business for Rs 2,048 crore The acquisition of Paytm Insider, approved by Zomato's board, will allow the food delivery giant to foray into the entertainment ticketing sector, complementing its existing dining and food delivery services.) I'm excited to share that I've recently completed a comprehensive report on the dynamics of the online ticketing industry in India, with a particular focus on the strategic acquisition deal between Zomato and Paytm for Paytm's ticketing business. This report dives deep into the evolving landscape of online ticketing, highlighting the key factors driving growth and the challenges faced by industry players. I also explored the strategic implications of Zomato's acquisition of Paytm's ticketing arm, examining how this move aligns with Zomato's broader business objectives. To provide a well-rounded perspective, I included detailed financial analysis of both Zomato and Paytm, shedding light on the financial rationale behind the deal and its potential impact on both companies. If you're interested in understanding more about this significant development in the Indian tech ecosystem, feel free to reach out! Zomato Paytm Parth Verma The Valuation School #OnlineTicketing #Zomato #Paytm #MergersAndAcquisitions #IndiaTech #FinancialAnalysis

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#DesignAItools 🎨 𝗠𝗼𝘀𝘁𝗹𝘆 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗗𝗲𝘀𝗶𝗴𝗻𝗲𝗿𝘀 , 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗠𝗮𝗻𝗮𝗴𝗲𝗿𝘀, 𝗙𝗼𝘂𝗻𝗱𝗲𝗿𝘀, Freelancers , Early Bird Learners & Other Stake Holders .... We all know Good UI/UX is one key aspect to product success🏳️. 🔹Rather than Traditional way like Paper Sketches , Scratch to low fidelity to mockups ,wireframes ..soon , we can fill this time gap & Faster iteration by using Product Design Ai tools like Galileo, Uizard ..soon. 🔹 ! "𝗚𝗮𝗹𝗶𝗹𝗲𝗼 𝗔𝗜" , the tool that transforms prompt or image inputs into beautiful, ready-to-use UI designs in seconds! 💡. Tool : - https://lnkd.in/gKw7_Ymt Whether you're: ✅ Brainstorming new ideas ✅ Updating an outdated design ✅ Starting fresh on a new project Galileo AI empowers you to: 🔹 Generate stunning UI designs from simple text descriptions 🔹 Convert sketches or images into functional wireframes or better designs 🔹 Easily export designs to any tool (like Figma) or code (like HTML) Pros: 1️⃣ Save Time – No more hours spent designing from scratch! 2️⃣ Inclusive Collaboration – Even non-designers can participate and brainstorm. 3️⃣ Accelerate Time to Market – Quickly iterate, validate, and launch faster. Cons: ⚠️ Limited exports (Figma, Code) on free credits. ⚠️ Customization – Like any AI tool, expect to fine-tune ~30% of the output. 🎨Couple of Samples, where i have created few designs( Fitness, Fintech & Other ) from this tool : - by giving prompts & ui images  Check in : - https://lnkd.in/g83ZgX58 Try to add these Design Ai tools in work to reduce some manual efforts & make faster outcomes . #startups #Productdesign #ProductManagement #Ai #DesignAitools #Entrepreneurship #innovation #Pm #India #Founders #UXDesign #UserExperience #UiUX

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🚀 Swiggy's IPO DRHP is a gold mine of data 📊 Average Order Value (AOV): Swiggy Food Delivery: ₹428 Instamart: ₹460 Dineout: ₹3,129 📈 User Growth & Engagement: 112.73 million users have transacted on Swiggy's platform as of June 30, 2024. Monthly Transacting Users (MTUs) for Food Delivery and Quick Commerce continue to rise, hitting 15.99 million in Q1 FY25 Swiggy One membership (5.7 million members) shows an impressive 7.4x order frequency, nearly double the platform average of 4.5x. 💼 Operational Scale: Swiggy works with 223,671 monthly transacting restaurant partners and 457,249 monthly transacting delivery partners, reflecting its massive operational scale and reach. Active Dark Stores increased to 557, supporting the Quick Commerce business and ensuring rapid deliveries.

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Paytm Employee Layoffs: One97 Communications, Announces Layoffs Amid Restructuring Efforts Are you ready for a game-changer in the fintech sphere? Paytm’s parent company, One97 Communications, has just unveiled an ambitious strategic realignment plan, setting the stage for a more agile and focused future. While this entails some adjustments in the workforce, Paytm remains steadfast in its commitment to supporting its employees through every step of this exciting journey. In a recent announcement, One97 Communications reiterated its pledge to provide comprehensive outplacement support to those affected by the restructuring, ensuring a seamless transition to new opportunities. Leveraging partnerships with over 30 forward-thinking firms currently hiring, Paytm is actively championing the professional growth of its team members. Moreover, in a testament to its unwavering integrity, the company is honoring its commitment to fairness by disbursing bonuses owed to employees, fostering a culture of trust and transparency. Dive into our latest blog post. Read More: https://lnkd.in/eXKhVUQ5 #Paytm #Fintech #StrategicOverhaul #EmployeeEmpowerment #FutureofWork

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