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Strong Paytm brand plus generalist Area Sales Manager role with broad lending responsibilities increases applicant competition.
Specialized merchant lending, BNPL, and underwriting focus makes cross-industry fit difficult.
Requires merchant-lending, underwriting expertise and proven large field-team management, tightening shortlisting filters.
Drive growth of merchant lending penetration and credit distribution in the assigned region, including deployment of multiple lending products such as Merchant Loans, BNPL, QR-linked credit, and overdraft lines.
Lead cross-selling of financial products like Gold SIP and Insurance to increase revenue per merchant and merchant stickiness.
Build, manage, and mentor a large field sales team (5–10 Team Leads and 100+ indirect employees), setting territories, funnel metrics, and monitoring portfolio quality including repayment behavior and fraud checks.
Experience in sales leadership and people management in lending or financial services distribution: Not explicitly mentioned in JD, but implied to be required due to leadership expectations.
Proven ability to manage large field sales teams and multiple sales channels across geographies.
Strong knowledge of merchant lending products and cross-sell financial products like Insurance and Gold SIP.
Work Experience Required: Not explicitly mentioned in the JD
Experienced sales leader with a track record of scaling lending penetration and credit products in a regional market.
Ability to strategically manage and optimize large sales team structures and sales funnel metrics effectively.
Familiarity with merchant-centric financial product ecosystems including credit access, loan lifecycle, and cross-sell initiatives.