Area Sales Manager - Manager - Lending (LRM)

Role overview

Area Sales Manager - Manager - Lending (LRM) at Paytm

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/

Required qualifications

• 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

Employment details

• 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!
• Location: Coimbatore [Tamil Nadu]

About the employer

• 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.
• 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.