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.

Job Title: Finance Head — Airlines

Experience 10+ years (6+ years in finance leadership)

Role Overview

The Finance Head for Airlines is a critical strategic finance leadership role responsible for managing the

complete financial operations of the airline business vertical within Etrav Tech Ltd. This position

oversees all aspects of airline ticketing financial management including payables to airlines and Global

Distribution System (GDS) partners, receivables from travel agents, full account reconciliation across

multiple revenue streams, GST and TDS compliance, and comprehensive monthly Profit & Loss

reporting. You will manage and mentor a finance team responsible for delivering accurate, timely

financial reporting and strategic insights that drive profitability and agent satisfaction across the airline

distribution network.

Key Responsibilities

• Develop and implement comprehensive financial strategies for the airline business vertical aligned

with company growth targets and profitability objectives.

• Negotiate payment terms with airline partners and GDS providers to optimize working capital and

improve margins while maintaining strong relationships.

• Work with the Managing Director to set financial targets, forecast airline business performance,

and identify strategic growth opportunities within the airline ticketing segment.

• Build and mentor a high-performing finance team capable of managing increasing transaction

volumes, implementing automation, and maintaining accuracy at scale.

Operational

• Manage complete payables processes including invoice receipt, verification, approval workflows,

and timely payment to airlines and GDS partners while maintaining compliance.

• Oversee receivables management — ensuring accurate invoicing to travel agents, follow-up on

outstanding payments, and minimizing Days Sales Outstanding while maintaining agent

relationships.

• Execute full account reconciliation including GST reconciliation, TDS reconciliation, agent

settlement statements, and airline commission verification on a monthly basis.

• Maintain internally audited monthly Profit & Loss statements for the airline business reflecting

accurate revenue, cost of goods sold, commissions, and operating expenses.

• Implement and monitor monthly financial close procedures ensuring accuracy and timeliness

across all transaction types and agent segments.

• Coordinate with travel agents and airline partners to resolve billing

growth trajectory and significant impact on company performance.

Minimum Experience

• 10+ years of experience in finance roles, with a minimum of 6 years in a leadership or supervisory

capacity managing finance teams.

• Minimum 5 years of experience in B2B travel industry finance, airline industry finance, or similar

high-volume transaction-based financial environments.

• Demonstrated experience managing full-cycle accounting including payables, receivables,

reconciliation, and financial reporting in the travel or airline sector.

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: Sales Manager – B2C Corporate

Location: Mumbai, Maharashtra

Experience: 2–4 Years

Employment Type: Full-Time

Department: B2C Corporate

About the Role

We are looking for an energetic, target-driven Sales Manager to drive business growth within the B2C Corporate sales vertical. The ideal candidate will be responsible for achieving regional sales targets, managing and mentoring a team of Sales Executives, and building strong relationships to deliver insurance solutions to corporate employee bases.

This role is ideal for an ambitious sales professional with experience in Insurance Sales and some exposure to team management or mentoring.

Key Responsibilities

• Lead, manage, and motivate a team of Sales Executives, including freshers.
• Drive regional revenue growth and achieve assigned sales and business targets.
• Build and maintain strong relationships with corporate partners and key stakeholders.
• Monitor team performance, conduct regular reviews, and implement strategies to improve productivity.
• Provide training, mentoring, and sales support to team members.
• Coordinate with internal operations and other teams to ensure smooth customer servicing.
• Focus on customer retention, business growth, and relationship management.
• Track market trends and identify new business opportunities.

Required Skills & Qualifications

• Bachelor's degree in any discipline.
• 2–4 years of experience in Insurance Sales.
• Experience managing, mentoring, or leading sales team members will be preferred.
• Strong communication, presentation, negotiation, and relationship-building skills.
• Good analytical ability to understand sales data, performance trends, and team productivity.
• Ability to work effectively in a fast-paced, target-driven environment.
• Strong team-building skills with a proactive and customer-focused approach.

Preferred Candidate Profile

• Prior experience in B2C, Corporate Sales, or Insurance Sales.
• Experience handling or mentoring a team of Sales Executives, including freshers.
• Strong track record of achieving sales and revenue targets.
• Self-driven, confident, and capable of maintaining team motivation in a performance-oriented environment.

JOB TITLE: Sales Manager – Data Center Operators

LOCATION: Mumbai

EXPERIENCE: 6–12 Years

ROLE SUMMARY

We are hiring a Sales Manager to drive business exclusively with Data Center Operators, including colocation, hyperscale, and wholesale data centers. The role focuses on building strong relationships and closing high-value deals in the data center ecosystem.

KEY RESPONSIBILITIES

• Manage and grow relationships with Data Center Operators

• Identify opportunities related to expansions and new builds

• Drive full sales lifecycle including RFPs, negotiations, and closure

• Engage with senior decision-makers and influencers

• Track market trends and competitor activities

• Achieve quarterly and annual sales targets

REQUIRED SKILLS & EXPERIENCE

• Mandatory experience selling to Data Center Operators

• Strong understanding of data center ecosystem

• Proven ability to close large and consultative deals

• Excellent communication and negotiation skills

PREFERRED BACKGROUND

• Data Centers / Colocation / Hyperscale

• IT Infrastructure / Power / Cooling / Connectivity

Job Title: Business Development Manager (BDM)

Job Title : Business Development Manager - Government & Enterprise Sales

Location: Mumbai

Experience: 3-6 Years

Employment Type: Full-time, Permanent

Industry: Education / Training

Role Overview:

We are looking for an ambitious and energetic Business Development Manager to drive business growth by identifying new opportunities, developing government-sector clients, and building long-term relationships. The ideal candidate should have strong experience in government client handling / public-sector business development, preferably within the education, training, skill development, or related sectors.

Key Responsibilities

• Develop and execute business development strategies focused on revenue growth and client satisfaction.
• Identify new markets, business opportunities, and potential government/public-sector clients.
• Arrange and conduct business meetings with prospective government clients and stakeholders.
• Promote company products/services and understand client requirements.
• Manage the complete sales cycle, including lead generation, negotiations, proposals, and contract closure.
• Prepare sales contracts and ensure compliance with organizational policies and client requirements.
• Maintain accurate records of sales, revenue, invoices, and client interactions.
• Provide post-sales support and ensure high levels of client satisfaction.
• Build and maintain strong, long-term relationships with government and institutional clients.
• Guide and develop junior sales/business development team members.

Required Skills & Qualifications

• 3-4 years of experience in Business Development, Sales, Institutional Sales, Government Sales, or a similar role.
• Mandatory/Preferred: Experience dealing with government clients/public-sector organizations.
• Strong proven sales and business development track record.
• Experience in the Education / Training / Skill Development sector will be an advantage.
• Strong knowledge of market research and business development.
• Excellent communication, negotiation, and relationship-management skills.
• Proficiency in MS Office and CRM tools.
• Strong planning, time-management, and organizational skills.
• Ability to build rapport with senior stakeholders and decision-makers.