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Paytm, India's leading mobile payments and financial services platform, is seeking an experienced Area Sales Manager to lead the Merchant Lending business in Bihar. The Merchant Lending team is one of the fastest-growing verticals at Paytm, focused on enabling credit access to millions of merchants across India through products like Merchant Loans, BNPL, QR-linked credit, and overdraft lines.
In this role, you will drive merchant lending penetration and credit distribution across your assigned geography while strengthening the underwriting funnel and unlocking incremental revenue through strategic cross-sell of high-value financial products including Gold SIP, Insurance, and other merchant-centric solutions. You will be responsible for scaling the business, defining market size and territories, and ensuring seamless execution of plans and targets.
Key responsibilities include:
- Growing merchant lending penetration and overall credit distribution in the region
- Driving visibility and deployment of lending products across the merchant base
- Leading cross-sell initiatives for financial products to enhance merchant stickiness and revenue-per-merchant
- Identifying, recruiting, and managing a strong field sales team to accelerate lending acquisition
- Defining market size, span, funnel metrics, and territories for Team Leads to maximize efficiency
- Ensuring clear communication of plans and targets to minimize expectation vs. delivery gaps
- Monitoring and improving portfolio quality metrics including repayment behavior, fraud checks, documentation hygiene, and onboarding quality
- Conducting audits and validations on loan files, sales processes, and cross-sell adherence
- Leading and mentoring a large on-ground structure of 5–10 Team Leads and 100+ indirect employees, ensuring high productivity and compliance
You will work within a collaborative, output-driven program that brings cohesiveness across businesses through technology, with opportunities to improve average revenue per user and earn respect from peer teams through supporting their goals.
Requirements:
- Proven experience as a Sales Leader and People Manager
- Track record of scaling merchant lending or credit distribution businesses
- Ability to lead and mentor large field sales teams (5–10 Team Leads, 100+ indirect reports)
- Strong understanding of lending products, underwriting, and portfolio quality metrics
- Experience with cross-sell strategies and financial product distribution
- Capability to define market territories, funnel metrics, and drive execution excellence
- Knowledge of compliance and documentation requirements in lending
