Area Sales Manager - Manager - LRM

About the Role:

Paytm is looking for an experienced Sales Leader & People Manager to drive the Merchant Lending business across the assigned region.

The role involves scaling merchant loan penetration, strengthening underwriting funnel quality, and unlocking incremental revenue through strategic cross-sell initiatives.

Expectations/ Requirements:

1. Grow Merchant Lending penetration and overall credit distribution in the assigned geography.

2. Drive visibility & deployment of lending productsMerchant Loans, BNPL, QR-linked credit, overdraft lines, etc.

3. Lead cross-sell of financial products like Gold SIP, Insurance, and other merchant financial tools to enhance merchant stickiness and revenue-per-merchant.

4. Identify, recruit, and manage a strong field sales team to accelerate lending acquisition and cross-sell outputs.

5. Define market size, span, funnel metrics, and territories for Team Leads to maximise efficiency.

6. Ensure seamless communication of plans/targets, minimising expectation vs delivery gaps.

7. Monitor and improve portfolio quality metricsrepayment behaviour, fraud checks, documentation hygiene, and onboarding quality.

8. Conduct audits and validations on loan files, sales processes, and cross-sell adherence.

9. Lead and mentor a large on-ground structure of 510 Team Leads & 100+ indirect employees, ensuring high productivity and compliance.

Must Have

• Strong networking and relationship-building capabilities with merchants and channel partners.
• Willingness to travel extensively within the assigned region.
• Skilled in coaching, mentoring, funnel management, and rapid adoption of new processes and products.
• Superpowers / Skills That Will Help You Succeed
• with strong ownership, comfortable navigating ambiguity and a dynamic lending environment.
• 2.8-12 years of experience in B2C/B2B sales, preferably in financial services, fintech, or high-velocity acquisition-driven setups.
• to articulate credit products and financial solutions in a simple manner to merchants.
• negotiation skills, quota-driven mindset, and ability to lead large, aggressive field teams.
• in payments, lending, or financial products cross-sell is a strong plus.

Education

MBA (Marketing/Finance preferred)