Area Sales Manager - Manager - Lending - Kozhikode

Paytm Payments Services; Kozhikode district; On-site; INR 3,600,000 - 4,800,000; Full time

Job summary

Paytm Payments Services 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 funnel quality, and unlocking incremental revenue through cross-sell initiatives.

You will recruit and mentor a large on-ground team (5–10 Team Leads and 100+ indirect staff), define market metrics and territories, ensure plan delivery, and monitor portfolio quality

Responsibilities

• Grow Merchant Lending penetration and overall credit distribution in the assigned geography.
• Drive visibility & deployment of lending products—Merchant Loans, BNPL, QR-linked credit, overdraft lines, etc.
• Lead cross-sell of financial products like Gold SIP, Insurance, and other merchant financial tools to enhance merchant stickiness and revenue-per-merchant.
• Identify, recruit, and manage a strong field sales team to accelerate lending acquisition and cross-sell outputs.
• Define market size, span, funnel metrics, and territories for Team Leads to maximise efficiency.
• Ensure seamless communication of plans/targets, minimising expectation vs delivery gaps.
• Monitor and improve portfolio quality metrics—repayment behaviour, fraud checks, documentation hygiene, and onboarding quality.
• Conduct audits and validations on loan files, sales processes, and cross-sell adherence.
• Lead and mentor a large on-ground structure of 5–10 Team Leads & 100+ indirect employees, ensuring high productivity and compliance.

Job description

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. 2.Drive visibility & deployment of lending products—Merchant Loans, BNPL, QR-linked credit, overdraft lines, etc.
3. 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. 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.
5. 6.Ensure seamless communication of plans/targets, minimising expectation vs delivery gaps.
6. 7.Monitor and improve portfolio quality metrics—repayment behaviour, fraud checks, documentation hygiene, and onboarding quality.
7. 8.Conduct audits and validations on loan files, sales processes, and cross-sell adherence.
8. 9.Lead and mentor a large on-ground structure of 5–10 Team Leads & 100+ indirect employees, ensuring high productivity and compliance.