Regional Sales Manager-Bharat Business_Bharat Business Loans_0412_8513_1100030_HRR

Kotak Mahindra Bank · Banking & Financial Services

Chennai, Tamil Nadu, India
On-site
Posted today
Apply by 27 Nov
Sales & Business Development

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About the job

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.

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