Area Sales Manager - Manager - Lending (LRM)

Paytm Payments Services; Coimbatore District; On-site; INR 3,000,000 - 6,000,000; Full time

Job summary

Paytm Payments Services is seeking an experienced Sales Leader and People Manager to drive Merchant Lending across India. The role requires scaling loan penetration, strengthening underwriting funnel quality, and unlocking incremental revenue through strategic cross-sell initiatives.

You will lead a large on-ground team and ensure high productivity and compliance. As a market leader in mobile payments and financial services distribution, Paytm is focused on expanding access to credit for

Qualifications

• Experience leading large field sales teams in financial services.
• Proven ability to scale lending distribution and cross-sell.
• Strong governance of portfolio quality, fraud checks and onboarding.
• Excellent stakeholder communication and target delivery.

Responsibilities

• Grow merchant lending penetration in the assigned geography.
• Deploy and promote lending products across channels.
• Lead cross-sell of Gold SIP, Insurance, and merchant tools.
• Recruit and manage a field sales team to accelerate lending.
• Define market size, funnel metrics, and territory for teams.
• Communicate plans and targets to avoid gaps.
• Monitor repayment behavior, checks, onboarding quality.
• Audit loan files and sales processes for compliance.
• Mentor 5–10 Team Leads and 100+ indirect staff.

Skills

People management

Field sales leadership

Cross-sell strategy

Team building

Portfolio risk awareness

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:

• 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 :

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!