JD - Account Manager Online Merchants & Digital Platforms

Reporting To: SVP – Enterprise Sales & Partnerships

Experience: 5–7 years

Location: Bengaluru

About Flexmoney:

FlexMoney Technologies is India's embedded credit infrastructure platform, connecting banks and

NBFCs with a large and growing network of merchants across all sales channels. Through InstaCred

360TM, our omnichannel orchestration layer, we enable instant cardless EMI and BNPL credit at the

point of sale for non-credit card consumers. We are in a high-growth phase, expanding aggressively across online merchants and digital platforms — and this is a high-ownership sales hire at an exciting inflection point.

Role Objective:

Own end-to-end merchant acquisition and GMV growth across online-first accounts — from digitally- native D2C and eCommerce brands to large digital platforms and marketplaces. You will identify, onboard and scale InstaCred's online checkout EMI integrations, helping merchants unlock revenue they are currently leaving on the table at checkout while building a high-quality, compounding book of business on the B2B2C platform.

What Are We Not Looking For

• Account managers who wait for inbound — this role requires aggressive outbound hunting

discipline

• Sellers whose default pitch is rate comparison or MDR negotiation — we compete on GMV

outcomes, not basis points

• Candidates from non-merchant-facing roles with no direct quota ownership experience

• People who need large team support or pre-built playbooks, this is a builder role with high

autonomy and high accountability

Key Responsibilities:

Hunting — New Merchant Acquisition (50%)

• Identify and qualify prospects across two tracks: (1) D2C and eCommerce-first brands in

consumer electronics, home & living, fashion, fitness, EdTech and adjacent verticals; (2) large

digital platforms — travel, marketplaces, edtech super-apps, health & wellness and financial

services aggregators

• Lead end-to-end sales conversations calibrated to the stakeholder — founders, CMOs, Heads

of Growth and VP Product at D2C brands; VP and C-suite at platforms

• Build and present outcome-led commercial proposals — framed around conversion uplift, AOV

growth and incremental GMV — covering MDR, platform fee and revenue share terms;

negotiate and close agreements

• Build multi-stakeholder relationships across business, product and technical teams at platform

accounts

• Own accounts from first contact through technical integration go-live and first transaction

Farming — Portfolio GMV Growth (20%)

• Drive GMV growth from existing accounts through increased checkout penetration, lender mix

optimization and new use case activation

• Identify upsell opportunities — CRM module, telesales layer, additional lender activation,

white-label modules for platform accounts

• Lead structured GMV performance reviews and executive-level QBRs anchored in merchant

revenue outcomes, not product updates

• Proactively flag and resolve integration or commercial issues before escalation

• Identify PG-mediated platform relationships that can be converted to direct integrations and

surface these to leadership

Pipeline, CRM & Market Intelligence (10%)

• Maintain accurate and up-to-date CRM records across all active prospects and accounts —

stages, next actions, deal values and expected close dates

• Ensure pipeline data integrity for weekly forecasting and leadership reporting

• Log all merchant interactions, commercial discussions and integration milestones in CRM in a

timely manner

• Capture and feed structured market intelligence into CRM — competitor pricing signals,

feature gaps and recurring merchant objections — as a regular practice, not ad hoc

Forecasting & Reporting (10%)

• Submit accurate weekly pipeline and forecast updates to SVP with commentary on deal

progression, risks and blockers

• Track and self-report on KPIs — activations, GMV, pipeline coverage — without being

prompted

Merchant Onboarding Coordination (10%)

• Coordinate with technical, product and operations teams to ensure smooth integration go-

lives — own the merchant experience end-to-end, not just the commercial close

• Maintain a clear post-sale handoff process so CS, tech and ops teams have full context on

merchant commitments and expectations

What Success Looks Like

Milestone Target:

30 Days: Onboarded on product, GTM channels and ICP; existing pipeline audited; first outreach

sequences live

60 Days: First merchant or platform account closed; integration go-live in progress; qualified

pipeline at 3x quarterly target

90 Days: First transactions live on at least 2 new accounts; GMV contribution measurable; farming cadence established on inherited accounts

180 Days: Full hunting and farming motion running; portfolio GMV growing QoQ; at least 1 platform direct integration closed or in final negotiation

KPIs:

• New merchants and platform accounts activated per quarter

• GMV from new accounts (first 90 days post go-live)

• Existing portfolio GMV growth quarter on quarter

• Average revenue per account

• Pipeline coverage ratio (3x quarterly target minimum)

Experience & Skills Required:

• 5–7 years in B2B sales; backgrounds from MarTech, SaaS or growth infrastructure businesses

are strongly welcomed — fintech or payments exposure is a plus, not a prerequisite

• Direct experience selling to D2C and eCommerce brands and/or large digital platforms or

marketplaces

• Demonstrated ability to engage CMO, Head of Growth and VP Product personas at D2C and

digital-first brands; credible at VP and C-suite level for platform accounts

• Sells on outcome and ROI, not features — comfortable building a business case in a merchant's

growth or revenue language

• Prior experience selling to CMO, CRO or Head of Growth personas is as valuable as fintech

sales experience — we care about buyer fluency, not sector label

• Comfortable with APIs, webhooks and growth infrastructure concepts at a functional level

• Strong understanding of online checkout flows, payment integrations and merchant tech

stacks

• Demonstrated ability to manage both short-cycle transactional deals and complex, multi-

stakeholder platform sales concurrently

• Disciplined pipeline management and strategic account planning skills