Regional Sales Manager

Kotak; Chennai; On-site; INR 3,000,000 - 5,000,000; Full time

Job summary

Enterprise Business Solutions is seeking a Regional Manager to lead the Bharat Business Loans sales across India. You will drive end-to-end sales, onboarding, and portfolio growth through a dedicated team of PSMs, AMs, and area managers for Merchant Acquiring and Cash Management solutions.

The ideal candidate has 15–16 years of experience in Liabilities/POS/CMS with a reputed bank or acquirer, and an MBA is preferred. Strong English communication and MS Office proficiency are required.

Qualifications

• Minimum 15-16 years of experience in Liabilities/POS/CMS business with a reputed bank/acquirer.
• MBA preferred; Engineering background with MBA is an advantage.
• Proficient in MS Office (Word, Excel, PowerPoint).
• Strong written and verbal communication in English.

Responsibilities

• Drive end-to-end sales, onboarding, and portfolio growth through a dedicated team.
• Manage Merchant Acquiring and CMS sales across mapped branches/markets.
• Collaborate with internal stakeholders and support Corporate/CA customers.
• Ensure compliance and risk governance, including KYC/AML.

Skills

Sales leadership

Team management

English communication

Negotiation

Planning skills

Strategic networking

Analytical thinking

Education

MBA preferred

Engineering + MBA

Tools

MS Office

Job description

Regional Sales Manager-Bharat Business_Bharat Business Loans_0412_8513_1100030_HRR

Location: Chennai, Tamil Nadu, 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.