Area Sales Manager - Manager - Lending - Kozhikode

Paytm

Kozhikode, Kerala, IndiaPosted 1 month ago

Skill Required

Sales

Key highlights

Experienced Sales Leader & People Manager required
Lead a team of 5–10 Team Leads & 100+ indirect employees

Role overview

The Merchant Lending team at Paytm is a fast-growing vertical focused on enabling credit access to millions of merchants across India, driving credit penetration, loan lifecycle management, and cross-selling high-value financial products like Gold SIP, Insurance, and other merchant-centric solutions. The role involves leading the Merchant Lending business in an assigned region, scaling loan penetration, strengthening underwriting quality, and unlocking revenue through strategic cross-sell initiatives.

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.