Key ResponsibilitiesBanking 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 QualificationsEducation
- 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.
Skills & CompetenciesCore Strengths
- Commercial negotiation — the central skill of the role; able to consistently extract best-in-market terms.
- Relationship management — builds trust and healthy, durable relationships across multiple banking partners.
- Commercial acumen — quantifies the rupee impact of every term and prioritizes accordingly.
- Market benchmarking and analytical thinking — keeps a live, evidence-based view of what 'best' looks like.
Professional Skills
- Clear communication to present commercial proposals and savings to senior management.
- High integrity and confidentiality in handling sensitive commercial and banking information.
- Organized documentation discipline across agreements, renewals, and compliance.
- Proactive ownership — brings opportunities forward rather than waiting to be asked.
Pay: ₹1,000,000.00 - ₹1,200,000.00 per month
Work Location: In person
