Account Manager - Online Merchants

Flexmoney Technologies Pvt Ltd; Bengaluru; On-site; INR 1,400,000 - 2,200,000; Full time

Job summary

FlexMoney Technologies Pvt Ltd in Bengaluru is hiring an Account Manager for Online Merchants & Digital Platforms. You will own end-to-end merchant acquisition and GMV growth across online-first accounts, from D2C and eCommerce brands to large digital platforms and marketplaces.

You will identify, onboard and scale InstaCred's online checkout EMI integrations, driving merchant revenue and a growing B2B2C book.

Qualifications

• 5–7 years in B2B sales with quota ownership.
• Selling value-added services and fintech or payments exposure is a plus.

Responsibilities

• Own end-to-end merchant acquisition and GMV growth across online-first accounts.
• Lead conversations with founders, CMOs, Heads of Growth and VP Product at D2C brands and platforms.
• Build and present outcome-led commercial proposals around MDR, platform fees and revenue share terms; negotiate and close.
• Maintain CRM records and pipeline with accurate stages, actions and close dates.

Skills

B2B sales

MarTech

SaaS

GMV growth

C-level pitching

API integrations

Job description

JD - Account Manager Online Merchants & Digital Platforms

Experience: 5–7 years

About Flexmoney:

FlexMoney Technologies is India's embedded credit infrastructure platform, connecting banks and NBFCs with a large and growing network of merchants across all sales channels. Through InstaCred 360TM, our omnichannel orchestration layer, we enable instant cardless EMI and BNPL credit at the point of sale for non-credit card consumers. We are in a high-growth phase, expanding aggressively across online merchants and digital platforms — and this is a high-ownership sales hire at an exciting inflection point.

Role Objective:

Own end-to-end merchant acquisition and GMV growth across online-first accounts — from digitally- native D2C and eCommerce brands to large digital platforms and marketplaces. You will identify, onboard and scale InstaCred's online checkout EMI integrations, helping merchants unlock revenue they are currently leaving on the table at checkout while building a high-quality, compounding book of business on the B2B2C platform.

What Are We Not Looking For?

• Account managers who wait for inbound — this role requires aggressive outbound hunting
• Sellers whose default pitch is rate comparison or MDR negotiation — we compete on GMV outcomes, not basis points
• Candidates from non-merchant-facing roles with no direct quota ownership experience
• People who need large team support or pre-built playbooks, this is a builder role with high autonomy and high accountability

Key Responsibilities:

• Identify and qualify prospects across two tracks: (1) D2C and eCommerce-first brands in consumer electronics, home & living, fashion, fitness, EdTech and adjacent verticals; (2) large digital platforms — travel, marketplaces, edtech super-apps, health & wellness and financial services aggregators
• Lead end-to-end sales conversations calibrated to the stakeholder — founders, CMOs, Heads of Growth and VP Product at D2C brands; VP and C-suite at platforms
• Build and present outcome-led commercial proposals — framed around conversion uplift, AOV growth and incremental GMV — covering MDR, platform fee and revenue share terms; negotiate and close agreements
• Build multi-stakeholder relationships across business, product and technical teams at platform accounts
• Own accounts from first contact through technical integration go-live and first transaction
• Drive GMV growth from existing accounts through increased checkout penetration, lender mix optimization and new use case activation
• Identify upsell opportunities — CRM module, telesales layer, additional lender activation, white-label modules for platform accounts
• Lead structured GMV performance reviews and executive-level QBRs anchored in merchant revenue outcomes, not product updates
• Proactively flag and resolve integration or commercial issues before escalation
• Identify PG-mediated platform relationships that can be converted to direct integrations and surface these to leadership
• Maintain accurate and up-to-date CRM records across all active prospects and accounts — stages, next actions, deal values and expected close dates
• Ensure pipeline data integrity for weekly forecasting and leadership reporting
• Log all merchant interactions, commercial discussions and integration milestones in CRM in a timely manner
• Capture and feed structured market intelligence into CRM — competitor pricing signals, feature gaps and recurring merchant objections — as a regular practice, not ad hoc

Forecasting & Reporting (10%)

• Submit accurate weekly pipeline and forecast updates to SVP with commentary on deal progression, risks and blockers
• Track and self-report on KPIs — activations, GMV, pipeline coverage — without being
• Coordinate with technical, product and operations teams to ensure smooth integration go-lives — own the merchant experience end-to-end, not just the commercial close
• Maintain a clear post-sale handoff process so CS, tech and ops teams have full context on merchant commitments and expectations

What Success Looks Like?

Milestone Target:

30 Days: Onboarded on product, GTM channels and ICP; existing pipeline audited; first outreach

60 Days: First merchant or platform account closed; integration go-live in progress; qualified

pipeline at 3x quarterly target

90 Days: First transactions live on at least 2 new accounts; GMV contribution measurable; farming cadence established on inherited accounts

180 Days: Full hunting and farming motion running; portfolio GMV growing QoQ; at least 1 platform direct integration closed or in final negotiation

KPIs:

• New merchants and platform accounts activated per quarter
• GMV from new accounts (first 90 days post go-live)
• Pipeline coverage ratio (3x quarterly target minimum)

Experience & Skills Required:

• 5–7 years in B2B sales; selling Value Added Services, backgrounds from MarTech, SaaS or growth infrastructure businesses are strongly welcomed — fintech or payments exposure is a plus, not a prerequisite
• Direct experience selling to D2C and eCommerce brands and/or large digital platforms or marketplaces
• Demonstrated ability to engage CMO, Head of Growth and VP Product personas at D2C and digital-first brands; credible at VP and C-suite level for platform accounts
• Sells on outcome and ROI, not features — comfortable building a business case in a merchant's growth or revenue language
• Prior experience selling to CMO, CRO or Head of Growth personas is as valuable as fintech sales experience — we care about buyer fluency, not sector label
• Comfortable with APIs, webhooks and growth infrastructure concepts at a functional level
• Strong understanding of online checkout flows, payment integrations and merchant tech stacks
• Demonstrated ability to manage both short-cycle transactional deals and complex, multi-stakeholder platform sales concurrently
• Disciplined pipeline management and strategic account planning skills