Area Sales Manager - DM / Manager - LRM - Bangalore

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.

Must Have
•Strong networking and relationship-building capabilities with merchants and channel partners.
•Willingness to travel extensively within the assigned region.
•Skilled in coaching, mentoring, funnel management, and rapid adoption of new processes and products.

Superpowers / Skills That Will Help You Succeed
1.Self-starter with strong ownership, comfortable navigating ambiguity and a dynamic lending environment.
2.8–12 years of experience in B2C/B2B sales, preferably in financial services, fintech, or high-velocity acquisition-driven setups.
3.Ability to articulate credit products and financial solutions in a simple manner to merchants.
4.Strong negotiation skills, quota-driven mindset, and ability to lead large, aggressive field teams.
5.Experience in payments, lending, or financial products cross-sell is a strong plus.

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Education

MBA (Marketing/Finance preferred)

Why join us: We aim at bringing half a billion Indians into the mainstream economy, and everyone working here is striving to achieve that goal. Our success is rooted in our people’s collective energy and unwavering focus on the customers, and that’s how it will always be. We are the largest merchant acquirer in India

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!