Area Sales Manager - Manager - Lending - Kozhikode

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.