About this role
- KEY RESPONSIBILITIES:
- Daily Merchant Prospecting & Field Pipeline Management: Conduct daily field visits and sales calls to prospective retail, corporate, and SME merchants to pitch acquiring solutions (POS, QR, API Gateways).
- Merchant Onboarding & KYC Verification: Collect, review, and submit daily Know Your Customer (KYC) and Know Your Business (KYB) documentation for new merchant applications in compliance with central bank and card scheme regulations.
- POS Terminal Deployment & Merchant Training: Oversee the physical installation and testing of POS terminals, standalone QR stands, and payment hardware, providing immediate operational training to merchant staff and cashier teams.
- Daily Transaction Monitoring & Activation: Review daily merchant transaction logs and active throughput across the region, conducting proactive support visits to inactive or low-volume merchants to drive transaction usage.
- First-Line Technical & Operational Escalations: Resolve daily Tier-1 merchant queries, including POS paper roll/hardware faults, network connectivity issues, transaction declines, settlement disputes, and fee statement requests.
- Develop and execute regional territory sales plans to achieve monthly targets for active merchant acquiring touchpoints, gross transaction value (GTV), and net fee revenue.
- Identify key regional commercial hubs, shopping centers, trade associations, and corporate chains for bulk merchant acquisition and strategic partnership deals.
- Monitor competitor acquiring activities, acquiring rates (MDR/interchange fees), and terminal technology trends within the assigned region.
- Conduct periodic retention and relationship management visits to top-tier (Key Account) merchants to build long-term loyalty and prevent merchant churn.
- Cross-sell complementary financial products, including merchant working capital loans, business insurance, corporate accounts, and payroll services to existing merchants.
- Coordinate with regional logistics, IT, and terminal management vendors to ensure adequate POS inventory, terminal repair, and prompt replacement stock.
- Ensure all merchant acquiring activities strictly adhere to PCI-DSS security standards, card scheme rules (Visa, Mastercard, local switches), and national AML/CFT regulations.
- Monitor suspicious transaction patterns, unauthorized location changes (terminal mobility risks), and potential merchant fraud, taking swift action to mitigate financial loss.
- Liaise with internal clearing and settlement teams to resolve merchant chargebacks, settlement delays, and chargeback dispute documentation within strict scheme timelines.
- DAILY RESPONSIBILITIES:
- Review, vet, and validate regional merchant applications—ensuring compliance with Know Your Customer (KYC), Anti-Money Laundering (AML), and site inspection requirements before account activation.
- Coordinate POS terminal distribution, mobile-POS provisioning, and e-commerce payment gateway integration with regional merchant locations and technical field support teams.
- Drive regional acquiring transaction volumes and gross fee revenues by building relationships with key retail, hospitality, and corporate merchant accounts.
- Track daily transaction processing volumes, monitor batch settlement files, and investigate delayed payouts, chargebacks, or unusual transaction spikes across regional terminals.
- CHALLENGES:
- Managing hardware failures, SIM/cellular connectivity drops, and poor network coverage across diverse regional locations while relying on slow third-party field maintenance teams.
- Preventing high-volume merchants from churning to aggressive fintech competitors offering undercut interchange pricing, next-day payout terms, or lower MDR (Merchant Discount Rate) fees.
- Detecting merchant-side fraud—such as card cloning, split transactions, unauthorized surcharge fees, or fake returns—while keeping merchants compliant with strict PCI-DSS and scheme security rules.
MINIMUM POSITION QUALIFICATION REQUIREMENTS
- Academic & Professional
Particulars
Detail
Specific Field or Qualification
Need Type[1]
Education
Bachelor’s degree
Bachelor’s degree in business administration, Information Technology, Marketing, Finance, Economics, or a related fieldRQ
Professional Qualifications
- Certifications in Card Payments, Digital Financial Services, Sales Management, or PCI-DSS awareness are an added advantage.
AA
- Experience
Total Minimum No of Years Experience Required
5
Detail
Minimum No of Years
Need Type[2]
Card & Merchant business
5
DE
Stakeholder management 2
ES