Regional Sales Manager

Kotak; Bengaluru; On-site; INR 4,500,000 - 6,500,000; Full time

Job summary

Kotak seeks a Regional Sales Manager for Branch Banking to drive end-to-end sales of Merchant Acquiring and CMS solutions across India, leading a dedicated team of managers and relationship staff. The role requires strategic execution, cross-functional collaboration, and a focus on onboarding, activation, and portfolio growth.

The candidate should bring 15–16 years of banking experience, with MBA preferred, strong English communication, and proficiency in MS Office.

Qualifications

• 15–16 years experience in Liabilities/POS/CMS banking.
• MBA preferred; Engineering + MBA an advantage.
• Proficient in MS Office.
• Strong written and verbal English.

Responsibilities

• Drive end-to-end sales for Merchant Acquiring and CMS across assigned verticals.
• Lead onboarding, activation, and portfolio management with branches/relationship teams.
• Train Branch Banking/Relationship teams and run visibility campaigns for cross-sell.
• Ensure KYC/AML compliance and risk governance throughout deal cycles.

Skills

Strong sales orientation

Networking

Analytical skills

Interpersonal skills

Negotiation

Planning

English proficiency

Education

MBA preferred

Engineering background

Tools

MS Office

Job description

Regional Sales Manager_BRANCH BANKING_0733_8087_1100031

Location: Bangalore, Karnataka, India

Enterprise Business Solutions

Role: Regional Manager

Location: Across India

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 :

1) 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.

2) 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.

3) 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.

4) 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.