Regional Sales Manager - Bharat Business Loans

Kotak Securities Limited; Chennai; Remote; INR 2,500,000 - 4,200,000; Full time

Job summary

Kotak Securities Limited is seeking a Regional Sales Manager to drive end-to-end sales for Bharat Business Loans and related CMS solutions across India. You will lead a large team and coordinate onboarding, activation, and portfolio growth with branch relationships and internal stakeholders.

The role demands a strong sales orientation, excellent English communication, and extensive network-building skills to achieve new acquisitions, retention, and cross-sell across merchant acquiring and

Qualifications

• Minimum 15-16 years of experience in managing Liabilities/POS/CMS.
• MBA preferred; Engineering + MBA is an advantage.
• Proficient in MS Office (Word, Excel, PowerPoint).
• Strong written and verbal communication in English.
• Highly sales oriented with leadership and networking abilities.

Responsibilities

• Drive end-to-end sales, onboarding, and portfolio growth thru a dedicated team across POS/EDC, Bharat QR, UPI and CMS solutions.
• Coordinate onboarding, activation & portfolio management with operations for seamless go-live and client wallet growth.
• Enablement, training & marketing support for branches to sell CMS and acquiring products; lead campaigns and provide collateral.
• Ensure KYC/AML compliance, risk governance, and audit adherence across deal lifecycle.

Skills

Sales orientation

Networking

Leadership

Negotiation

Presentation

Planning

Communication (English)

Analytical thinking

Customer relationship management

MS Office

Education

MBA preferred

Engineering + MBA advantage

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

• 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
• 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.