We are a one-stop financial services shop, widely known for quality of its advice, personalized service and cutting-edge technology. We started our journey in 2008. Currently we are serving more than 50,000 investors with a team of 100 members. Our core product offering is mutual fund, FD, Govt. Bonds, Debenture, etc. 

Role & Responsibilities:

 Engage with investors through calls and digital platforms to share updates on Mutual Funds, Fixed Deposits, Bonds, and Debentures.

 Offer personalized investment solutions aligned with clients’ short-, medium-, and long-term financial goals.

 Maintain strong client relationships to ensure satisfaction, retention, and loyalty while managing regular communication across multiple channels.

 Stay informed about market trends, financial products, and investment opportunities to deliver timely and relevant guidance.

 Drive business growth by tracking leads, following up on prospects, and acquiring new clients through referrals, networking, and community outreach. Qualification : Minimum Graduate from any stream. Experience : Fresher’s can apply. Remuneration : As per company norms Working days : Monday to Saturday (first 6months) Post 6months alternate Saturday off.

Contact: Email : hr.mumbai@moneyhoney.co.in Mobile : 8655867034 

Roles and Responsibilities

• Own and maintain long-term client partnerships by serving as a primary point of contact.
• Drive customer satisfaction through proactive engagement, service planning, and timely follow-up.
• Manage the full client lifecycle, including onboarding support, adoption checkpoints, renewals coordination, and retention initiatives.
• Coordinate cross-functional teams to ensure client needs are understood, documented, and addressed effectively.
• Monitor client health signals and implement plans to reduce churn risk and improve outcomes.
• Build strong relationships through consistent communication, responsiveness, and clear expectations.
• Support problem resolution by investigating issues, escalating when necessary, and communicating next steps.
• Represent client feedback to internal stakeholders to improve service quality and customer experience.
• Track and report on client engagement activities, outcomes, and progress toward goals.
• Maintain accurate records of client interactions, action items, and commitments to ensure continuity.

Required Qualifications

• Experience managing client accounts and maintaining effective ongoing relationships.
• Proven ability to drive customer outcomes through structured success planning and follow-through.
• Strong communication skills with the ability to tailor messaging to different audiences.
• Demonstrated problem-solving skills, including managing priorities and resolving issues efficiently.
• Ability to collaborate with internal teams to coordinate deliverables and align on timelines.
• Comfort working in a remote environment with excellent organization and ownership of tasks.
• Experience using CRM and customer success tools to track accounts, activities, and results.
• Strong professionalism and attention to detail when documenting decisions and commitments.

Key Responsibilities

• Conduct regular check-ins with clients to assess satisfaction, goals, and adoption progress.
• Develop and maintain account plans that outline priorities, milestones, and success metrics.
• Identify risks early and execute mitigation plans in partnership with internal teams.
• Facilitate onboarding activities to ensure clients achieve early value and smooth adoption.
• Support renewals by reviewing performance, addressing gaps, and aligning on next steps.
• Gather and synthesize client feedback, then translate insights into actionable improvements.
• Ensure clear communication of timelines, deliverables, and expectations to stakeholders.
• Coordinate escalations for urgent issues, ensuring transparency and timely resolution.
• Maintain accurate reporting on engagement, deliverables, and client outcomes.
• Continuously improve customer engagement practices to enhance retention and advocacy.

Business Development Manager – Recruitment Specialist

Location: Remote, India

Experience: 5–7 Years

Employment Type: Full-Time

About the Role

We are looking for an experienced Business Development Manager with strong experience in the staffing and recruitment industry.

The ideal candidate should have a proven track record of bringing new clients for FTE/IT and non-IT hiring requirements, managing staffing vendors, and building long-term client relationships.

This role is best suited for someone who already understands the recruitment/staffing market and has an established network of HRs, Talent Acquisition teams, hiring managers, and companies.

Key Requirements

• 5–7 years of overall experience in Business Development / Sales.
• Minimum 3 years of experience in Staffing, Recruitment, or Recruitment Vendor Management.
• Proven experience in onboarding new clients for FTE hiring requirements.
• Strong understanding of the staffing and recruitment industry.
• Existing and active client base/network is highly preferred.
• Experience working with corporate clients, HR teams, TA teams, and hiring managers.
• Proven ability to generate new business through existing relationships as well as new client acquisition.
• Experience handling the complete business development cycle — lead generation, client meetings, requirement understanding, negotiation, onboarding, and relationship management.
• Strong communication, negotiation, and relationship-building skills.
• Ability to work independently in a remote environment.

Key Responsibilities

• Identify and acquire companies with active FTE hiring requirements.
• Generate new recruitment/staffing business through existing network and new outreach.
• Build and maintain relationships with HR, Talent Acquisition, and business stakeholders.
• Understand client hiring requirements and convert them into business opportunities.
• Onboard new clients and establish long-term recruitment partnerships.
• Develop and maintain a healthy sales pipeline.
• Drive revenue through new client acquisition and repeat business.
• Maintain regular communication with clients and identify additional hiring opportunities.

Ideal Candidate

You will be a strong fit if you:

• Have spent significant time in staffing/recruitment sales.
• Have personally onboarded recruitment clients.
• Already have a strong network of companies and HR/Talent Acquisition professionals.
• Have experience generating consistent business from your client relationships.
• Understand how recruitment agencies, staffing companies, and hiring vendors operate.
• Can independently take ownership of client acquisition and revenue generation.

Important

An existing client network and proven ability to bring FTE hiring clients will be a major advantage for this role.

Job Title : Business Development Manager – Commercial Interior Turnkey

Location: Pune, Maharashtra

Employment Type: Full-Time

Experience: 7–15 Years

About the Role

We are looking for an experienced Business Development Manager with strong experience in commercial interior turnkey and civil fit-out projects. The ideal candidate should have a strong network in Pune and a proven ability to generate leads, develop client relationships, manage bids, and close projects.

Key Responsibilities

• Generate new business opportunities for commercial interior turnkey and civil fit-out projects.
• Leverage a strong Pune network of architects, PMCs, developers, consultants, and corporate clients to generate qualified leads.
• Identify upcoming commercial projects and build relationships with key decision-makers.
• Manage the complete BD cycle from lead generation and client meetings to proposals, bidding, negotiation, and order closure.
• Prepare and coordinate presentations, proposals, BOQs, and commercial bids with estimation and design teams.
• Understand project costing, interior materials, procurement, and commercial requirements.
• Coordinate with estimation, design, procurement, and project teams for project feasibility and execution planning.
• Negotiate with clients and drive projects toward profitable closure.
• Maintain strong relationships with existing and prospective clients to generate repeat and referral business.
• Track the Pune market, upcoming projects, competitors, and maintain an updated sales pipeline/CRM.

Key Requirements

• 7–15 years of experience in Business Development/Sales in commercial interior turnkey, interior fit-out, civil fit-out, or construction.
• Prior experience with a commercial interior/turnkey company is preferred.
• Strong and demonstrable network in Pune across architects, PMCs, developers, consultants, and corporate clients.
• Proven track record of independent lead generation and project closures.
• Good understanding of interior execution, costing, procurement, BOQ, tendering, and contracts.
• Strong communication, presentation, negotiation, and client-handling skills.
• Ability to work independently and take ownership of business growth and sales targets.

Preferred

• Experience working with PMC / Construction / Interior Fit-out / Design & Build companies.
• Knowledge of commercial tendering, bidding, and negotiation processes.
• Strong relationships with architects, developers, PMCs, and corporate procurement teams in Pune.

Job Title: Business Development Manager

Department: Business Development & Sales

Location: Ahmedabad (Field + Office)

Experience: 3-6 Years

We are looking for a dynamic and result-oriented Business Development Executive to drive business growth by identifying new opportunities, acquiring clients, and building long-term business relationships. The ideal candidate will promote Wow Nandi's eco-friendly Panchgavya-based products, corporate gifting solutions, franchise opportunities, and wellness products while achieving sales targets and expanding the company's market presence.

Key Responsibilities

1. Business Development

• Identify and develop new business opportunities across retail, corporate, institutional, distributor, and dealer channels.
• Generate qualified leads through networking, field visits, referrals, exhibitions, and digital platforms.
• Build and maintain a healthy sales pipeline.
• Identify potential dealers, distributors, franchise partners, and corporate clients.

2. Corporate Sales & Client Acquisition

• Approach corporate organizations for employee gifting, festive gifting, wellness kits, and CSR initiatives.
• Conduct client meetings, presentations, and product demonstrations.
• Prepare quotations, proposals, and business presentations.
• Negotiate commercial terms and successfully close deals.

3. Franchise & Channel Development

• Promote Wow Nandi's franchise and dealership opportunities.
• Explain investment models, business benefits, and company support.
• Coordinate with prospective franchise partners until onboarding.
• Maintain strong relationships with existing channel partners.

4. Customer Relationship Management

• Build and maintain long-term customer relationships.
• Deliver excellent pre-sales and post-sales support.
• Resolve customer concerns by coordinating with internal teams.
• Generate repeat business and customer referrals.

5. Product Knowledge

• Maintain in-depth knowledge of Wow Nandi's product portfolio.
• Explain product features, benefits, pricing, and usage effectively.
• Stay updated on new product launches and promotional campaigns.
• Clearly position Wow Nandi products against competitors.

6. Sales Target Achievement

• Achieve monthly and quarterly sales targets.
• Acquire new customers and generate business revenue.
• Upsell and cross-sell products based on customer requirements.
• Execute promotional campaigns successfully.

7. Market Research

• Monitor industry trends and customer preferences.
• Analyze competitor products, pricing, and promotional activities.
• Share market insights and business opportunities with management.

8. Coordination & Reporting

• Maintain daily sales activity reports.
• Update CRM with customer interactions and follow-ups.
• Submit weekly and monthly MIS reports.
• Coordinate with Operations, Logistics, Accounts, and Marketing teams for smooth order execution.

9. Marketing & Brand Promotion

• Represent Wow Nandi at exhibitions, trade fairs, and promotional events.
• Conduct product demonstrations and business presentations.
• Promote the company's vision of sustainable living through Panchgavya-based products.
• Increase brand awareness among customers and business partners.

Required Skills

• Excellent communication and presentation skills.
• Strong negotiation and persuasion abilities.
• Business development and lead generation expertise.
• Corporate/B2B sales experience.
• Customer relationship management.
• Professional email and proposal writing.
• Good knowledge of MS Excel, Word, and PowerPoint.
• CRM software knowledge (preferred).
• Strong time management, multitasking, problem-solving, and decision-making skills.

Key Performance Indicators (KPIs)

• Achievement of monthly and quarterly sales targets.
• Number of new clients acquired.
• Corporate meetings conducted.
• Franchise and dealer leads generated.
• Revenue generated.
• Customer retention rate.
• Proposal-to-order conversion ratio.
• Follow-up completion rate.
• CRM and MIS reporting accuracy.

Preferred Qualifications

• Bachelor's degree in Business Administration, Marketing, Commerce, or a related field.
• 3-6 years of experience in Business Development, Corporate Sales, or B2B Sales.
• Freshers with exceptional communication and sales skills are welcome to apply.
• Proficiency in English, Hindi, and Gujarati is preferred.

Work Environment

• Office-based role with regular client meetings and field visits.
• Participation in exhibitions, trade fairs, networking events, and corporate meetings.
• Occasional travel within and outside the city as required.

Why Join Wow Nandi?

• Work with a purpose-driven, eco-friendly FMCG brand.
• Gain exposure to corporate sales, franchise development, and business strategy.
• Excellent career growth opportunities based on performance.
• Collaborative and supportive work culture.
• Attractive incentive structure in addition to a fixed salary

Job Title: B2B Life Business Development Manager – Agency Channel

Location: Ahmedabad

Experience: 2–4 Years

Employment Type: Full-Time

Department: B2B Life Insurance

About the Role

We are looking for a dynamic and result-oriented Business Development Manager with experience in the Life Insurance Agency Channel. The ideal candidate should have a strong understanding of agency sales, partner relationship management, life insurance products, and business development.

Key Responsibilities

• Develop and manage relationships with agency partners, advisors, and distributors.
• Acquire new agency partners and strengthen existing relationships to drive business growth.
• Achieve assigned premium, revenue, and business targets.
• Provide product training and sales support to agency partners and advisors.
• Identify new business opportunities and expand the agency distribution network.
• Monitor partner performance and implement strategies to improve productivity.
• Coordinate with internal teams to ensure smooth policy issuance and customer servicing.
• Maintain MIS reports and provide regular business updates to the reporting manager.

Required Skills & Qualifications

• Graduate in any discipline.
• 2–4 years of experience in Life Insurance, preferably in the Agency Channel.
• Strong knowledge of life insurance products and agency distribution.
• Experience in partner acquisition, relationship management, and business development.
• Excellent communication, negotiation, and relationship-building skills.
• Target-driven with a strong focus on business growth and customer satisfaction.

Preferred Candidate Profile

• Candidates with prior experience working in a Life Insurance company.
• Strong experience managing agency partners, advisors, or distributors.
• An existing network of agency partners or advisors will be an added advantage.
• Self-driven, confident, and capable of working in a target-oriented environment.

Job Title: Team Leader – B2B Motor Sales

Location: Mumbai, Maharashtra

Experience: 3–5 Years

Employment Type: Full-Time

Department: B2B Motor Insurance

About the Role

We are looking for an experienced and target-driven Team Leader to manage a team and drive B2B Motor Insurance sales. The ideal candidate should have strong experience in General Insurance Motor Sales or Motor Dealer Sales, along with excellent team management, partner relationship, and business development skills.

The role involves building strategic relationships with corporate clients, automobile dealers, brokers, and channel partners while driving business growth across the Mumbai market.

Key Responsibilities

• Lead, manage, and support a team of Relationship Managers to achieve business targets.
• Build and maintain strong relationships with corporate clients, automobile dealers, brokers, and channel partners.
• Drive new business sourcing and increase Motor Insurance sales through the B2B channel.
• Monitor team and partner performance and conduct regular reviews to improve productivity.
• Provide training, guidance, and sales support to team members and partners.
• Coordinate with internal teams and insurance companies to ensure smooth business operations.
• Focus on partner retention, business growth, and long-term relationship management.
• Track market trends, competitor activities, and opportunities within the Mumbai motor insurance market.

Required Skills & Qualifications

• Bachelor's degree in any discipline.
• 3–5 years of experience in General Insurance Motor Sales or Motor Dealer Sales.
• Strong knowledge of Motor Insurance products and the automobile dealer ecosystem.
• Good understanding of the Mumbai motor dealer market and RTO dynamics.
• Proven experience in team management, B2B sales, partner management, and target achievement.
• Excellent communication, negotiation, and relationship-building skills.
• Strong leadership skills with the ability to work in a target-driven environment.

Preferred Candidate Profile

• Candidates with prior experience in Motor Insurance, General Insurance, or Motor Dealer Sales.
• Experience managing sales teams and channel partners will be preferred.
• Knowledge of Life Insurance will be an added advantage, although Motor Insurance experience is essential.
• Self-driven, result-oriented, and capable of managing aggressive business targets.

1. Communicate effectively with clients via phone and email to understand their requirements.
2. Provide expert consultation on attestation, apostille, and translation services, including process guidance and documentation support.
3. Offer step-by-step assistance throughout the service lifecycle to ensure clarity and transparency.
4. Follow up proactively on inquiries and work to convert leads into confirmed business.
5. Coordinate the pickup and secure handling of client documents to ensure timely delivery.
6. Maintain service quality, accuracy, and consistency in all client interactions.
7. Address client queries promptly and collaborate with internal teams for smooth service execution.
8. Achieve monthly revenue targets.

1. Review and validate visa applications and supporting documents as per country-specific checklists and embassy guidelines.
2. Ensure completeness, accuracy, and compliance of documents prior to submission.
3. Coordinate with consulting and operations teams to resolve discrepancies, obtain missing documents, and clarify requirements.
4. Prepare and organize visa files for submission to embassies, consulates, or visa application centers.
5. Liaise with embassies, consulates, and visa service providers for submissions, queries, and follow-ups.
6. Track visa applications post-submission and provide timely status updates to internal teams.
7. Ensure passports and documents are received and returned to clients safely and within defined timelines along with acknowledgement.
8. Maintain accurate records, trackers, and MIS reports related to visa submissions.
9. Ensure adherence to company processes, service quality standards, and confidentiality policies.
10. Pick up and drop of documents, passports.
11. Any other work assigned by the organization on a day to day basis.

Job Title :Graphic Designer

Location: Hubli, Karnataka

Work Mode: Work From Office

Job Type: Full-Time

Experience: 2+ Years

About the Role

We are looking for a creative Graphic Designer with strong experience in graphic design, social media content creation, and video editing. The candidate should be able to create engaging digital and print content while maintaining brand consistency.

Key Responsibilities

• Create social media posts, stories, banners, flyers, brochures, posters, presentations, and marketing creatives.
• Create and edit short reels, promotional videos, and social media content with cuts, transitions, text, music, subtitles, graphics, and effects.
• Develop creative content for Instagram, Facebook, YouTube, LinkedIn, and other digital platforms.
• Adapt designs and videos into different formats and sizes for various platforms.
• Work with the marketing and content teams to execute creative requirements and campaigns.
• Maintain consistency in branding, typography, colors, layouts, and visual style.
• Stay updated with social media, design, reel, and content trends.
• Manage multiple creative projects and deliver work within deadlines.

Required Skills

• 2+ years of professional experience is mandatory in Graphic Design and Video Editing.
• Strong portfolio showcasing social media designs, reels, and video content.
• Proficiency in Photoshop, Illustrator, Canva, Figma, Premiere Pro, After Effects, or similar tools.
• Good understanding of branding, typography, color, layout, and visual communication.
• Creative, detail-oriented, and able to work independently.
• Ability to convert briefs and ideas into high-quality designs and engaging video content.

Language Requirement

Fluency in all three languages is mandatory:

• English
• Hindi
• Kannada

Designation: Sales Relationship Manager

Experience: 5 -10 years in sales (preferably in financial products, real estate, or banking). 

Location: Mumbai

Type: Full-time

Job Responsibilities 

• Source new customers for home loans through field visits, referrals, and tie-ups with builders, property dealers, and real estate agents. (Loan Against Property) 
• Meet potential clients to understand their financial requirements and recommend suitable loan products. 
• Achieve assigned sales and disbursement targets. 
• Ensure customer satisfaction and proper documentation of loan files. 
• Coordinate with credit and operations teams for loan processing. 
• Maintain regular follow-ups with leads and ensure timely conversion. 

Skills:  Good communication and interpersonal skills. 

             Understanding of home loan products and processes. 

             Ability to work in a target-driven environment. 

             Self-motivated and proactive. 

Eligibility Criteria 

• Education: Minimum Graduate (any discipline). 

Job Title: B2B Relationship Manager

Location: Mumbai

Employment Type: Full-Time

Experience: 1–4 Years

Job Summary

We are looking for a goal-oriented and professional B2B Relationship Manager to build and manage relationships with sub-brokers, channel partners, franchisees, and financial institutions. The role involves onboarding new partners, supporting their business growth, and ensuring long-term partner satisfaction.

Key Responsibilities

• Identify, onboard, and manage sub-brokers, franchisees, and channel partners.
• Develop and maintain strong professional relationships with B2B clients and partners.
• Drive business growth by promoting company's trading platforms and financial services.
• Train and support partners on products, compliance, and operational processes.
• Monitor partner performance and identify opportunities for business growth.
• Provide solutions and ongoing support to improve partner performance.
• Coordinate with internal teams to ensure smooth partner operations.
• Achieve assigned business and revenue targets.

Requirements

• Graduate in any discipline; Finance/Commerce graduates preferred.
• 1–4 years of experience in B2B Sales, Channel Sales, Relationship Management, or Partner Management, preferably in the financial sector.
• Knowledge of the stock broking industry and trading platforms will be an advantage.
• Strong communication, negotiation, and relationship-building skills.
• Target-oriented, self-motivated, and professional attitude.
• Freshers with excellent communication and a strong interest in financial services may also apply.

Perks & Benefits

• Performance-based incentives.
• Career growth and advancement opportunities.
• Training on financial products and channel development.
• Dynamic and supportive work environment.
• Opportunity to build a career in the growing financial services industry.

Job Title: B2C Relationship Manager

Experience: 1–3 Years

Location: Mumbai

Job Type: Full-time

Job Summary

We are looking for enthusiastic and customer-focused B2C Relationship Managers to build and maintain strong relationships with retail clients. The role involves acquiring new clients, understanding their investment needs, promoting suitable financial products, and providing excellent post-sales support.

Key Responsibilities

• Acquire new retail clients for equity trading and investment products.
• Understand client requirements and recommend suitable financial solutions.
• Promote investment products such as Equity, F&O, Mutual Funds, SIPs, and other financial products.
• Assist clients with account opening, KYC documentation, and trading account activation.
• Conduct regular follow-ups and provide ongoing client support.
• Build and maintain long-term relationships with clients.
• Achieve monthly sales, acquisition, and activation targets.
• Maintain accurate client records and ensure high levels of customer satisfaction.
• Provide basic guidance and support regarding investment-related products and services.

Requirements

• Graduate in any stream; candidates from Finance or Commerce backgrounds will be preferred.
• 1–3 years of experience in B2C financial sales, relationship management, or client servicing is preferred.
• Freshers with excellent communication skills and a strong interest in financial markets may also apply.
• Passion for stock markets and financial services.
• Strong communication, persuasion, and relationship-building skills.
• Ability to achieve sales targets and work in a target-driven environment.
• Good understanding of investment products will be an added advantage.

Perks & Benefits

• Performance-based incentives and bonuses.
• Training and mentorship in financial markets.
• Career growth and leadership opportunities.
• Supportive and dynamic work environment.

Interested candidates can apply for the position and build a rewarding career in the financial services industry.

Job Title: B2B Relationship Manager

Location: Surat

Employment Type: Full-Time

Experience: 1–4 Years

Job Summary

We are looking for a goal-oriented and professional B2B Relationship Manager to build and manage relationships with sub-brokers, channel partners, franchisees, and financial institutions. The role involves onboarding new partners, supporting their business growth, and ensuring long-term partner satisfaction.

Key Responsibilities

• Identify, onboard, and manage sub-brokers, franchisees, and channel partners.
• Develop and maintain strong professional relationships with B2B clients and partners.
• Drive business growth by promoting company's trading platforms and financial services.
• Train and support partners on products, compliance, and operational processes.
• Monitor partner performance and identify opportunities for business growth.
• Provide solutions and ongoing support to improve partner performance.
• Coordinate with internal teams to ensure smooth partner operations.
• Achieve assigned business and revenue targets.

Requirements

• Graduate in any discipline; Finance/Commerce graduates preferred.
• 1–4 years of experience in B2B Sales, Channel Sales, Relationship Management, or Partner Management, preferably in the financial sector.
• Knowledge of the stock broking industry and trading platforms will be an advantage.
• Strong communication, negotiation, and relationship-building skills.
• Target-oriented, self-motivated, and professional attitude.
• Freshers with excellent communication and a strong interest in financial services may also apply.

Perks & Benefits

• Performance-based incentives.
• Career growth and advancement opportunities.
• Training on financial products and channel development.
• Dynamic and supportive work environment.
• Opportunity to build a career in the growing financial services industry.

Job Title: B2C Relationship Manager

Experience: 1–3 Years

Location: Surat

Job Type: Full-time

Job Summary

We are looking for enthusiastic and customer-focused B2C Relationship Managers to build and maintain strong relationships with retail clients. The role involves acquiring new clients, understanding their investment needs, promoting suitable financial products, and providing excellent post-sales support.

Key Responsibilities

• Acquire new retail clients for equity trading and investment products.
• Understand client requirements and recommend suitable financial solutions.
• Promote investment products such as Equity, F&O, Mutual Funds, SIPs, and other financial products.
• Assist clients with account opening, KYC documentation, and trading account activation.
• Conduct regular follow-ups and provide ongoing client support.
• Build and maintain long-term relationships with clients.
• Achieve monthly sales, acquisition, and activation targets.
• Maintain accurate client records and ensure high levels of customer satisfaction.
• Provide basic guidance and support regarding investment-related products and services.

Requirements

• Graduate in any stream; candidates from Finance or Commerce backgrounds will be preferred.
• 1–3 years of experience in B2C financial sales, relationship management, or client servicing is preferred.
• Freshers with excellent communication skills and a strong interest in financial markets may also apply.
• Passion for stock markets and financial services.
• Strong communication, persuasion, and relationship-building skills.
• Ability to achieve sales targets and work in a target-driven environment.
• Good understanding of investment products will be an added advantage.

Perks & Benefits

• Performance-based incentives and bonuses.
• Training and mentorship in financial markets.
• Career growth and leadership opportunities.
• Supportive and dynamic work environment.

Interested candidates can apply for the position and build a rewarding career in the financial services industry.

Manager — Banking Relationships & Payment Commercials

Job Title Manager — Banking Relationships & Payment Commercials

Department Finance & Accounts (Treasury)

Job Location Mumbai (Head Office)

Experience 8+ years, mandatory banking / payments background

Key Responsibilities:

Banking Relationship Management

• Act as the group's single point of contact and owner of all banking partner relationships across Etrav Tech and Eagle Crest.

• Build and maintain strong, healthy, long-term relationships with relationship managers, product heads, and senior banking stakeholders.

• Conduct regular business reviews with each bank, manage escalations, and ensure consistent service quality and responsiveness.

• Map the banking ecosystem, maintain a diversified panel of partners, and identify and onboard new banking partners where they deliver better terms or capability.

Corporate Credit Cards

• Own and manage all corporate credit card programs across the group, including issuance, limits, controls, and lifecycle management.

• Negotiate best-in-market card commercials: cashback and reward rates, credit limits, interest-free / float periods, fee waivers, and airline / category-specific benefits.

• Optimize card spend routing across issuers to maximize cashback yield and free-credit float on airline and supplier payments.

• Coordinate with the Finance team on accurate reconciliation of card spends, cashback, and reward realization.

Payment Gateway & POS Commercials

• Own commercial relationships with payment gateways, aggregators, and POS / terminal providers used for agent and customer collections.

• Negotiate the lowest achievable MDR, transaction fees, setup, and maintenance charges, and renegotiate as volumes grow.

• Benchmark payment gateway and POS commercials continuously against the market across cards, UPI, net banking, and wallets.

• Manage settlement cycles (e.g. T+1), chargeback terms, success-rate optimization, and reconciliation support, and evaluate / onboard new providers where beneficial.

Overall Banking & Forex Commercials

• Negotiate all banking commercials: current account terms, transaction banking and cash-management charges, NEFT / RTGS / IMPS fees, and BG / LC pricing.

• Negotiate competitive forex spreads, remittance charges, and cross-border payment commercials supporting Eagle Crest's overseas DMC operations.

• Negotiate and manage credit lines, working-capital, and overdraft facilities on the best available rates, limits, and terms.

• Optimize float, idle balances, and liquidity arrangements (sweeps / auto sweeps) to improve working-capital efficiency.

Market Intelligence & Benchmarking

• Maintain a live, documented benchmark of the best commercials available in the market across banks, gateways, and card issuers.

• Track new banking and payment products, schemes, network changes, and RBI / regulatory developments that affect commercials.

• Proactively bring cost-saving and revenue-enhancing proposals to the Managing Director with clear commercial business cases.

Compliance & Governance

• Ensure all banking and payment arrangements remain compliant with RBI guidelines, FEMA (for forex / cross-border), KYC norms, and PCI-DSS where applicable.

• Maintain complete and current documentation of every agreement, commercial term, amendment, and renewal.

• Coordinate with Finance and internal audit to ensure all negotiated commercials are correctly applied, billed, and reconciled.

Key Performance Indicators

• Blended Payment Cost: Reduce blended MDR plus gateway / POS processing cost as a percentage of payment throughput against a defined baseline, reviewed monthly.

• Corporate Card Yield: Maximize total card value realized — cashback, rewards, and free-credit float — as a percentage of corporate card spend.

• Commercial Benchmarking: Maintain 100% of banking, card, and payment commercials at or better than the prevailing market benchmark, validated through quarterly benchmarking reviews.

• Relationship Health: Maintain active, healthy relationships with all partner banks and resolve service escalations within agreed SLAs, with no unresolved relationship breakdowns.

• Forex & Remittance Cost: Reduce the average forex spread and remittance cost on Eagle Crest cross-border DMC payments against baseline.

• Working-Capital & Facility Terms: Secure best-available interest rates, limits, and terms on credit lines and working-capital facilities, and improve float days.

• New / Renegotiated Deals: Deliver a target number of new partner onboardings and volume-based renegotiations each year that improve commercials.

• Compliance & Documentation: Maintain 100% compliant and fully documented banking arrangements with zero regulatory or documentation lapses.

Required Qualifications:

Education

• Bachelor's degree in Commerce, Finance, or Business Administration.

• MBA in Finance or equivalent post-graduate qualification preferred.

Mandatory Banking Background

• 8+ years of experience in banking, payments, or cards, with a strong, demonstrable track record in

commercial negotiation and relationship management.

• Direct experience within a bank, payment gateway, card network, or fintech — for example in

corporate / transaction banking, merchant acquiring, cards, or relationship management — is

mandatory.

• Proven experience negotiating MDR, corporate card programs, payment gateway / POS

commercials, forex spreads, and credit facilities.

Domain Knowledge

• Deep understanding of how banks and payment providers price cards, MDR / interchange,

transaction banking, forex, and credit — i.e. knowing where the real negotiating room sits.

• Strong working knowledge of the payments ecosystem: issuers, acquirers, networks (Visa /

Mastercard / RuPay / UPI), aggregators, and settlement mechanics.

• Familiarity with RBI guidelines, FEMA (cross-border / forex), and PCI-DSS principles relevant to

payments.

Technical Skills:

• Advanced Microsoft Excel and commercial modeling — able to build clear cost-benefit and like-for-

like commercial comparisons.

• Comfort with corporate / net-banking portals, card-management platforms, and payment-gateway

/ POS dashboards.

Preferred Qualifications

• Exposure to the travel, e-commerce, or other high-volume transaction industries.

• An existing network of relationships with major banks and payment providers in India.

• Experience with cross-border / multi-currency payments, directly relevant to DMC operations.

• Experience with corporate card and expense / spend-management platforms.

• Prior experience working with internal audit and implementing commercial controls and documentation frameworks.