Regional Manager ( Buy Now Pay Later) 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. 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.

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.

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.