Job Title: Regional Manager – Buy Now, Pay Later (BNPL)  

About the Role  

1. Business Growth & Strategy  

• Develop and execute the regional business plan aligned with national BNPL strategy and  revenue goals.  
• Identify new growth opportunities, merchant categories, and distribution channels.  
• Monitor market trends, consumer behavior, and competitor activities to inform strategy  and product positioning.  

2. Partnership Management  

• Build and manage relationships with key merchants, aggregators, and payment partners.  
• Negotiate commercial terms, pricing, and marketing agreements.  
• Ensure partner satisfaction through regular engagement, performance reviews, and joint  business planning.  

3. Operational Excellence  

• Oversee regional operations including merchant onboarding, compliance, and  transaction performance.
• Collaborate with product, risk, and finance teams to improve approval rates, repayment  performance, and service quality.  
• Ensure adherence to company policies, credit risk frameworks, and regulatory  requirements.  

4. Team Leadership  

• Lead, coach, and develop a team of sales and account managers.  
• Set clear objectives, monitor performance, and promote a high-performance culture.  • Foster collaboration across internal teams including marketing, credit, product, and  customer service.  

5. Financial Performance  

• Own and deliver on regional revenue, portfolio quality, and profitability KPIs.  
• Analyze financial metrics and prepare regular business performance reports.  
• Drive cost optimization and efficient allocation of regional resources.  

Qualifications & Experience  

• Bachelor’s degree in Business, Finance, Economics, or a related field (MBA preferred).  
• At least 3 years in a regional or multi-market management role.  
• Proven track record in B2B sales, partnership development, or channel management.  
• Strong understanding of BNPL, consumer credit, or digital payments ecosystems.  

Skills & Competencies  

• Strategic thinker with strong analytical and commercial acumen.  
• Excellent negotiation, communication, and stakeholder management skills.  
• Demonstrated leadership and team management capability.  
• Data-driven decision maker with hands-on problem-solving approach.  
• Ability to work in a fast-paced, evolving fintech environment.  
• Familiarity with digital platforms, CRM tools, and financial analytics.

KPIs & Success Measures  

• Regional revenue growth and merchant acquisition targets.  
• Portfolio health (default rates, repayment performance).  
• Partner satisfaction and retention.  
• Operational efficiency and compliance adherence.  
• Employee engagement and team performance metrics.