Regional Sales Manager_BRANCH BANKING_0733_8087_1100031

Kotak Mahindra Bank; Bengaluru; On-site; INR 3,500,000 - 5,500,000; Full time

Job summary

Kotak Mahindra Bank, Enterprise Business Solutions division, seeks a Regional Manager to drive end-to-end sales, onboarding and portfolio growth across India for Merchant Acquiring and Cash Management solutions.

The role involves acquiring new merchants, configuring solutions, and expanding wallet share while coordinating with branches and RMs. Strong leadership, regulatory compliance, and English communication are essential.

Qualifications

• Minimum 15-16 years of experience in Liabilities/POS/CMS with a reputed bank or acquirer.
• MBA preferred; Engineering + 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 for Merchant Acquiring and CMS solutions.
• Onboard, activate, and manage portfolios ensuring seamless go-lives and throughput.
• Enablement, training & marketing support to branches and relationship teams.
• Ensure KYC/AML compliance and manage risk and governance throughout deal lifecycle.

Skills

Sales orientation

Leadership

Networking

Communication

MS Office

Analytical skills

English proficiency

Education

MBA preferred

Engineering degree

Tools

MS Office

Job description

Enterprise Business Solutions

Job Description:

• 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

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.