Area Sales Manager - Manager - Bihar - Lending (LRM)

Paytm Money Limited; Patna; On-site; INR 1,500,000 - 2,600,000; Full time

Job summary

Paytm Money Limited is seeking an experienced Sales Leader & People Manager to drive the Merchant Lending business across the assigned region in India. The role focuses on scaling merchant loan penetration, improving underwriting quality, and unlocking incremental revenue through strategic cross-sell initiatives with financial products.

You will lead a large field sales structure (5–10 Team Leads and 100+ indirect staff) and define market size, funnel metrics, and territories to maximize

Qualifications

• Experience leading large field sales teams to scale merchant lending across regions.
• Strong ability to drive underwriting quality and lifecycle management.
• Proven track record in cross-selling financial products to merchants and users.
• A data-driven leader capable of defining market size, funnel metrics, and territories.

Responsibilities

• Grow merchant lending penetration and credit distribution in the assigned geography.
• Drive visibility and deployment of lending products (Merchant Loans, BNPL, QR-linked credit, overdraft lines).
• Lead cross-sell of Gold SIP, Insurance, and other merchant financial tools to increase revenue per merchant.
• Recruit, mentor and manage a field sales team (5-10 Team Leads, 100+ indirect staff).
• Define market size, span, funnel metrics, and territories for Team Leads.

Skills

Sales leadership

People management

Cross-selling

Field sales

Team building

Job description

About Us

Paytm is India's leading mobile payments and financial services distribution company. Pioneer of the mobile QR payments revolution in India, Paytm builds technologies that help small businesses with payments and commerce. Paytm’s mission is to serve half a billion Indians and bring them to the mainstream economy with the help of technology.

About the Team

The Merchant Lending team is one of the fastest-growing business verticals at Paytm, focused on enabling credit access to millions of merchants across India. The team drives credit penetration, loan lifecycle management, and cross-sell of high-value financial products like Gold SIP, Insurance, and other merchant-centric financial Solutions.

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 products- Merchant 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 metrics-repayment 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 5-10 Team Leads & 100+ indirect employees, ensuring high productivity and compliance.

Why Join Us

• 1. A collaborative output driven program that brings cohesiveness across businesses through technology
• 2. Improve the average revenue per use by increasing the cross-sell opportunities
• 3. A solid 360 feedback from your peer teams on your support of their goals
• 4. Respect, that is earned, not demanded from your peers and manager

Compensation

If you are the right fit, we believe in creating wealth for you With enviable 500 mn+ registered users, 21 mn+ merchants and depth of data in our ecosystem, we are in a unique position to democratize credit for deserving consumers & merchants - and we are committed to it. India's largest digital lending story is brewing here. It’s your opportunity to be a part of the story!