Business Developer (Buy Now Pay Later) - Rivers at PalmPay

About the Role 

• The Regional Manager will be responsible for driving growth, operational excellence, and strategic partnerships within the assigned region for our Buy Now, Pay Later (BNPL) business.
• This role combines commercial leadership, strategic thinking, and hands-on execution to build and manage merchant relationships, ensure compliance, and deliver financial performance targets. 
• You will act as the key regional representative, leading cross-functional teams to scale BNPL adoption, optimize partner performance, and deliver superior customer experience. 

Key Responsibilities  
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. 

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. 

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. 

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. 

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. 

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. 

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.