Paytm Labs

Digital payments, loans, investments, and insurance

Area Sales Manager - Lending

Field SalesConfirmed live in the last 24 hours

Full-timePatna, Bihar, IndiaNo salary listedIn-person

About the Job

Requirements

Experience leading sales and people management for a regional merchant-lending business.
Ability to grow merchant-lending penetration and credit distribution in an assigned geography.
Ability to drive deployment and visibility of lending products, including merchant loans, buy now, pay later, QR-linked credit, and overdraft lines.
Ability to lead cross-selling of financial products such as Gold SIP and insurance.
Ability to identify, recruit, and manage a field sales team.
Ability to define market size, span, funnel metrics, and territories for Team Leads.
Ability to communicate plans and targets to minimize gaps between expectations and delivery.
Ability to monitor and improve portfolio quality, including repayment behavior, fraud checks, documentation hygiene, and onboarding quality.
Ability to conduct audits and validations of loan files, sales processes, and cross-sell adherence.
Ability to lead and mentor 5–10 Team Leads and 100+ indirect employees while ensuring productivity and compliance.

Responsibilities

Grow merchant-lending penetration and overall credit distribution in the assigned geography.
Drive visibility and deployment of lending products, including merchant loans, buy now, pay later, QR-linked credit, and overdraft lines.
Lead cross-selling of Gold SIP, insurance, and other merchant financial tools to improve merchant retention and revenue per merchant.
Identify, recruit, and manage a field sales team to increase lending acquisition and cross-selling output.
Define market size, span, funnel metrics, and territories for Team Leads.
Communicate plans and targets to minimize expectation-versus-delivery gaps.
Monitor and improve portfolio quality, including repayment behavior, fraud checks, documentation hygiene, and onboarding quality.
Conduct audits and validations of loan files, sales processes, and cross-sell adherence.
Lead and mentor 5–10 Team Leads and 100+ indirect employees, ensuring productivity and compliance.

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

Requirements at a Glance

Experience Level: Expert

Benefits

Health & Wellbeing - Your group health benefits are 100% funded by us, and start on your first day.
Travel the World - Even though we are currently working remotely, usually our employees make frequent international business-related trips while working on exciting projects.
Continuous Learning - We're passionate about learning and strive to constantly improve and innovate. We learn from others, our challenges & our successes.
Connection - In this virtual world, we stay connected through events like game nights, movie nights, arts & crafts sessions (like Origami), meditation sessions, and much more.
Autonomy & Flexibility - You get to define how you want to make an impact. We truly believe that great things happen when people are given the trust and freedom to create their own path.
Beautiful Office - Whenever we return back to the office, you’ll get to check out our awesome workspace, complete with pool and ping pong tables, a snack-filled kitchen, and tons of cozy work spaces.

About the Company

Paytm Labs

Digital payments, loans, investments, and insurance

Paytm Labs offers an integrated digital payments and financial services platform in India for individuals and businesses, covering UPI payments, mobile recharges, bill payments, ticket bookings, loans, investments, insurance, metro cards, and more. Users initiate payments or financial actions in the app, which are processed through UPI and payment gateways, with revenue from transaction fees and commissions on financial services. It differentiates itself through a large ecosystem of merchants and users, a wide range of services in one app, and a focus on customer support and trust. Its goal is to make a broad set of financial services easily accessible to mass-market users while growing revenue via payment processing and financial services partnerships at scale.

Company size: 10,001+
Company stage: IPO
Headquarters: Noida, India
Founded: 2014

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