Enterprise Business Solutions
Role
Regional Manager
Location
Across India
Number of Positions
Reporting Relationships
Business Head
Position Grade
M7/M8
Job Profile
Drive end-to-end sales, onboarding, and portfolio growth thru dedicated team of
Assistant Product Sales Managers/PSMs, Senior Product Sales Managers & Area Managers for Merchant Acquiring (POS/EDC, Bharat QR, UPI) and Cash Management solutions (Collections, Payments, Escrow-Capital & Non-Capital Market Deals, Digital Integrations) across assigned verticals and mapped branches/relationship teams. The role combines new acquisition, solutioning & integration, and portfolio retention with strong collaboration across internal stakeholders & support Corporate/CA customers dealing with Consumer, Commercial Bank & Wealth verticals
Key Responsibilities
Regional Manager shall spearhead the team of Assistant Product Sales Managers/PSMs,
Senior PSMs & AMs managing the below responsibilities in their regions :
- Business Development & Lead Generation
- Source merchants for POS/EDC/Bharat QR/UPI and identify opportunities for CMS across assigned markets and segments.
- Work with mapped branches/RM teams to drive leads, campaigns, and product penetration and ensure smooth handover for implementation.
- Generate independent leads via references, market mapping, and networking; target priority industries/sectors with tailored propositions.
- Collections: Physical & Electronic Collections, Smart Collect/Virtual Accounts, Payment Gateway, e-NACH, BBPS, Cash, UPI.
- Payments: Physical & Electronic Payments, Dividend mandates, vendor/salary payouts, UPI payouts, Corporate Remittance
- Merchant Acquiring: POS/EDC/Bharat QR with appropriate MDR/subvention constructs.
- Onboarding, Activation & Portfolio Management
Coordinate with operations/implementation for seamless go-live; ensure activation and throughput (TPV/collections).
Build deep client relationships to retain and grow wallets, cross-sell/up-sell adjacent products, and proactively resolve service issues.
- Enablement, Training & Marketing Support
Train and enable Branch Banking/Relationship teams to sell CMS and Acquiring products effectively.
Conduct system demos for Potential & Existing clients; run visibility campaigns and provide marketing collaterals to drive penetration.
- Risk, Compliance & Governance
- Ensure KYC/AML and documentation standards are met; maintain AOF accuracy and policy adherence.
- Explain chargebacks/fraud risks for all product offering and follow audit/compliance
- requirements throughout deal lifecycle.
Key Performance Indicators (KPIs)
- New acquisitions: POS/QR terminals, CMS mandates
- Activation & throughput: TPV, fee realization.
- Penetration: Product adoption across mapped branches/segments.
- Portfolio health: Retention, cross-sell/up-sell, NPS/CSAT.
- Risk & compliance: Zero critical audit findings; KYC accuracy.
Qualifications & Experience
- Minimum 15-16 years of experience in managing Liabilities/POS/CMS Business with a reputed bank / acquirer
- MBA preferred (Engineering + MBA is an advantage)
- Proficient in MS Office (Word, Excel, PowerPoint)
- Strong written and verbal communication in English
Skills & Competencies
- Strong sales orientation; self-starter with high energy and proactive & leader approach.
- Market savvy with solid networking; analytical and practical with troubleshooting aptitude.
- Excellent interpersonal, negotiation, presentation, and planning skills.
- Detail-oriented, tenacious yet diplomatic; comfortable working under pressure and meeting tight deadlines.
- Capable of handling large team of more than 100 people
- Sound analytical and logical reasoning capabilities.
Job description provided by Kotak Mahindra Bank.
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