Regional Sales Manager - Bharat Business Loans

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 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.