Area Sales Manager - Manager - Bihar - Lending (LRM)
Paytm · Posted Oct 19
Mobile payments, digital wallets, banking solutions, and financial services
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About the role
The Merchant Lending team is one of Paytm's fastest-growing business verticals, focused on enabling credit access to millions of merchants across India through credit penetration, loan lifecycle management, and cross-sell of financial products such as Gold SIP and Insurance. Paytm is India's leading mobile payments and financial services distribution company, building technology that helps small businesses with payments and commerce. This role is an experienced Sales Leader and People Manager position driving merchant lending across Bihar, scaling loan penetration, improving underwriting funnel quality, and unlocking revenue through strategic cross-sell initiatives while leading a large on-ground field sales structure.
What you will do
- 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.
Skills used in this role
Benefits and support
- Compensation and benefits are detailed in the job posting
About Paytm
Paytm is India's leading financial services company offering full-stack payment solutions, digital wallets, QR codes, and financial services to consumers and merchants. The platform provides comprehensive digital inclusion via UPI payments, banking services distribution, merchant devices, and lending solutions. Operating under its parent firm One97 Communications, Paytm has scaled its operations into a robust profitability-driven ecosystem.
- Industry
- FinTech
- Company size
- 10001+ employees
- Founded
- 2010
- Location
- Noida, Uttar Pradesh, India
- Funding stage
- Public Company
Funding
Public Company · $4.91B raised
- 2023-08-28Late Stage$246.34M
- 2020-11-20Angel$1.26M
- 2019-12-06Series H$673M
- 2018-08-27Series G$300M
Leadership
Founder & Chief Executive Officer
Chief Technology Officer
Recent coverage
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