Regional Sales Manager - Bharat Business Loans

Kotak Mahindra Bank; Chennai; On-site; INR 2,500,000 - 4,500,000; Full time

Job summary

Kotak Mahindra Bank is seeking a Regional Sales Manager for Bharat Business Loans with extensive experience in Liabilities, POS, CMS, and corporate banking. You will lead a large team, drive acquisition, activation, and portfolio growth across India, coordinating with branches and multiple stakeholders to deliver integrated merchant acquiring and cash management solutions.

The role requires strong leadership, market networking, and strategic sales planning.

Qualifications

• 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
• Strong sales orientation; self-starter with high energy and proactive & leader approach.

Responsibilities

• Business Development & Lead Generation: Source merchants for POS/EDC/Bharat QR/UPI and identify CMS opportunities across markets; drive leads, campaigns, and product penetration; ensure smooth handover for implementation.
• Onboarding, Activation & Portfolio Management: Coordinate with operations/implementation for go-live; ensure activation and throughput; build deep client relationships to retain and grow wallets.
• Enablement, Training & Marketing Support: Train Branch Banking/Relationship teams to sell CMS and Acquiring products; conduct system demos for clients; provide marketing collaterals.
• Risk, Compliance & Governance: Ensure KYC/AML and documentation standards; maintain AOF accuracy; explain chargebacks/fraud risks and follow audit/compliance requirements.

Skills

Sales leadership

Team management

Negotiation

Networking

Communication

Education

MBA

Engineering background

Tools

MS Office

Job description

Regional Sales Manager-Bharat Business_Bharat Business Loans_0412_8513_1100030_HRR 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

• 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.

Experience Level Mid Level