Regional Sales Manager - Branch Banking

Kotak Securities Limited; Bengaluru; Remote; INR 1,200,000 - 2,400,000; Full time

Job summary

Kotak Securities Limited seeks a Regional Sales Manager to drive end-to-end sales across India for Merchant Acquiring and Cash Management solutions, leading a dedicated team.

You will coordinate with branches and RM teams to generate leads, onboard merchants, activate accounts, and grow wallet share, while ensuring KYC/compliance and strong client relationships. MBA preferred; Engineering background a plus; strong English communication required.

Qualifications

• Minimum 15-16 years of experience in Liabilities/POS/CMS banking sales or similar
• MBA preferred; Engineering background an advantage
• Strong written and verbal communication in English

Responsibilities

• Drive end-to-end sales for Merchant Acquiring (POS/EDC, Bharat QR, UPI) and Cash Management solutions across India
• Onboard, activate and manage portfolios; lead a large team of 100+ staff including PSMs and Area Managers
• Enable training, marketing support, and cross-sell/up-sell while ensuring KYC/AML and compliance

Skills

Sales leadership

Negotiation

Relationship management

English communication

Education

MBA preferred

Engineering background an advantage

Tools

MS Office

Job description

Regional Sales Manager_BRANCH BANKING_0733_8087_1100031 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

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.