Area Sales Manager - Manager - Lending (LRM)
Paytm
About the role
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
- A collaborative output driven program that brings cohesiveness across businesses through technology
- Improve the average revenue per use by increasing the cross-sell opportunities
- A solid 360 feedback from your peer teams on your support of their goals
- Respect, that is earned, not demanded from your peers and manager
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!
Eligibility & process
Who can apply
See the job description for eligibility.
Skills & stack
Selection process
- As described in the employer's job posting.
Prep kit
20 resourcesStudy material 4
Company-specific guides 4
Likely coding questions 4
Round-wise strategy 4
Technical questions 5
What is the difference between WHERE and HAVING clauses in SQL? Answer
Explain SQL Window functions: ROW_NUMBER(), RANK(), and DENSE_RANK(). Answer
How do you handle NULL and missing values during data cleaning in Python/Pandas? Answer
What is the difference between Star Schema and Snowflake Schema in Data Warehousing? Answer
How do you calculate MoM (Month-over-Month) growth in SQL? Answer
Behavioural & HR questions 3
Highlight Paytm's market reputation, recent tech innovations, and how your skills in Operations Management directly solve their team's objectives.
Use the STAR method: Situation (project context), Task (what needed solving), Action (specific tools/logic applied), Result (quantifiable positive outcome).
Explain your prioritization strategy, proactive communication with mentors/peers, and agile mindset.
Not disclosed
Coimbatore, India
See the job description for eligibility.
