Regional Head - Sales - Commercial Credit Card

Description:

Job Summary:

We are looking for a dynamic and result-driven professional for the role of Regional Head Commercial Credit Card to drive acquisition and growth of the Commercial Credit Card business across assigned regions. The role will focus on sourcing new-to-bank (NTB) corporate clients, managing corporate card portfolios, driving spend activation, and ensuring seamless onboarding and customer engagement.

The ideal candidate should possess strong expertise in corporate banking, commercial card sales, relationship management, client onboarding, and portfolio growth strategies, along with a deep understanding of commercial card products and corporate payment ecosystems.

Key Responsibilities :

Business Development & Client Acquisition :

- Drive acquisition of New-to-Bank (NTB) corporate clients for Commercial Credit Card products across assigned regions/cities.

- Identify and develop new business opportunities through strategic sourcing and relationship building.

- Promote and sell all variants of commercial credit card solutions to corporate clients.

- Achieve business growth targets related to card acquisition, activation, and spend generation.

Corporate Client Engagement & Solutioning :

- Work closely with Corporate Relationship Managers and Retail Relationship Managers to understand client requirements and offer customized payment solutions.

- Lead client discussions, presentations, and negotiations for commercial card solutions.

- Provide end-to-end support in deal structuring and closure.

Portfolio Management :

- Manage and grow the existing commercial card portfolio by:

- Driving card activation

- Increasing customer engagement

- Enhancing card spends and usage

- Converting payment flows into card-based transactions

- Ensure strong customer retention and relationship management practices.

- Monitor portfolio health and support first-line collections for delinquent accounts.

Onboarding & Implementation Support :

- Coordinate the complete onboarding process for corporate clients.

- Assist Regional Heads and coverage teams in documentation, file processing, and onboarding activities.

- Coordinate UCIC creation and ensure timely file clearance through retail underwriting teams.

- Ensure smooth implementation of corporate card programs for clients.

Client Training & Support :

- Train clients on the usage of corporate card portals, digital tools, and payment management systems.

- Provide post-onboarding support and act as the primary point of contact for client queries and operational assistance.

- Ensure excellent customer experience and timely issue resolution.

Market Intelligence & Reporting :

- Track market trends, competitor activities, and industry developments related to commercial card products.

- Share market insights and recommendations with internal stakeholders to support business growth strategies.

- Prepare regular business performance reports and portfolio analysis.

Required Skills & Competencies :

- Strong knowledge of Commercial Credit Card / Corporate Card products

- Expertise in Corporate Banking and B2B client acquisition

- Excellent relationship management and negotiation skills

- Strong understanding of onboarding and underwriting processes

- Portfolio management and spend activation expertise

- Knowledge of digital payment ecosystems and card management platforms

- Strong communication and presentation skills

- Analytical mindset with problem-solving abilities

- Ability to manage multiple stakeholders and client relationships effectively