Cluster Manager, Bank Retail

Razorpay is one of India’s leading full-stack financial technology companies, powering the way businesses move, manage, and grow money. Founded in 2014 by Harshil Mathur and Shashank Kumar with a simple vision - to simplify payments for Indian businesses - we’ve since grown into a fintech powerhouse driving India’s digital payment revolution.

Razorpay powers millions of businesses with a smarter, scalable stack that goes beyond transactions to help them truly build and grow.

From building AI-native agentic payments, to AI-assisted fraud detection and real-time risk intelligence to automated reconciliation, smart payouts, and predictive financial insights, we are embedding intelligence across our stack to make money movement faster, safer, and more efficient. In close collaboration with ecosystem partners - including banks, networks, regulators - we are pioneering industry-first solutions that are shaping the next era of fintech

Across India, Singapore and Malaysia, our products span everything from seamless checkouts to payroll automation - powering a fintech ecosystem that’s redefining how money moves across Asia.

Today, that ecosystem supports everyone from early-stage startups to some of India’s largest enterprises, enabling them to accept, process, and disburse payments at scale while expanding into new ways of managing money more efficiently.

Our scale speaks volumes: Razorpay processes $180+ billion in annualized transactions, powering leading businesses like Airbnb, Facebook, WhatsApp, Airtel, CRED, BookmyShow, Zomato, Swiggy, Lenskart, Mirae Asset Capital markets, Indian Oil, National Pension Scheme - and over 100 of India’s unicorns. With strong roots in India and growing operations in Southeast Asia, we are shaping the next chapter of financial technology across the region.

We are backed by global investors including GIC, Peak XV Partners (formerly Sequoia Capital India & SEA), Tiger Global, Ribbit Capital, Matrix Partners, MasterCard, and Salesforce Ventures, having raised over $740 million to date. Strategic acquisitions - including Ezetap (POS and offline payments), Curlec (Malaysia expansion), BillMe (digital invoicing), and POP (rewards-first UPI) - along with earlier moves in fraud prevention, payroll, and lending, have further strengthened our platform and widened our footprint across Asia.

But what truly sets Razorpay apart is our culture. At Razorpay, ownership is our oxygen - you own what you build, with no micromanagement or red tape, just the runway to make your ideas fly. Learning is a lifestyle - if you’re curious, you’ll feel at home here. People > Pedigree - we hire for attitude, hustle, and hunger more than degrees. Transparency thrives over titles - this is where interns question CXOs and CXOs say “thank you.” Guided by our values of Customer First, Autonomy & Ownership, Agility with Integrity, Transparency, Challenging the status quo and a strong belief that Razorpay grows with Razors, you’ll be part of a 3000+ strong team building not just products, but the financial infrastructure of the future.

About POS :

Razorpay POS, Razorpay’s comprehensive suite of point-of-sale-led payment solutions, enables businesses to accept various modes of payment across all customer touchpoints. Be it across the counter, on delivery, or via kiosks and vending machines, Razorpay POS devices offer a smooth payment experience with fast processing and high transaction success rates. Merchants are also able to offer consumers convenient payment options like EMI right on the POS device. Access to real-time transaction data and analytics via the merchant portal enables businesses to drive data-led decisions.

With over 500,000+ user touchpoints across India & the UAE, Razorpay POS is at the forefront of transforming payment experiences.

Formerly known as Ezetap, Razorpay POS emerged after Ezetap’s acquisition by Razorpay in August 2022. As a full-stack financial services organization founded in 2014 by Shashank Kumar and Harshil Mathur, Razorpay is dedicated to innovative payment and business banking solutions, promising a transformative journey for businesses.

Role Summary:

We are seeking an experienced and driven professional to lead the Bank Retail vertical for POS sales. This role requires a combination of strategic planning, people management, and execution excellence. You will lead a team of individual contributors and be responsible for regional merchant acquisition, EMI/POS deployment, and building strategic relationships with banking partners.

• Lead, mentor, and manage a team of POS sales executives across assigned territories.
• Manage 4-6 Territory Managers directly
• Track team performance and ensure achievement of collective and individual targets.
• Drive a high-performance culture through regular reviews, feedback, and coaching.

• Oversee merchant onboarding across the region by supporting your team in identifying and converting leads.
• Build and maintain partnerships with banking institutions to drive joint acquisition efforts.

• Develop and implement regional POS sales strategies to drive revenue and market penetration.
• Collaborate with product and central teams to drive offers, campaigns, and merchant engagement plans.
• Monitor POS terminal sales and usage across geographies to identify growth and improvement areas.
  
  

• Foster strong relationships with senior stakeholders at partner banks, NBFCs, and large retail merchants.
• Ensure effective resolution of merchant or partner issues raised through your team or partners.

• Ensure efficient deployment, activation, and usage of POS terminals managed by the team.
• Track and improve transaction volumes, first-month activation, and overall usage health.

• Oversee training programs for both bank staff and field teams to ensure proper understanding of POS products.
• Act as a knowledge resource for team members and bank partners, aligning them with business goals.

• Analyze team reports and market data to understand trends, competition, and customer behavior.
• Share insights with internal stakeholders to fine-tune business strategies and product offerings.

1. AI proficiency

• AI and digital competency- Demonstrated ability to use AI and data-led market intelligence tools to size state-level opportunities, build prospect lists, sharpen territory coverage and shorten deal closure cycle.s
• Coach team members to adopt these same practices.

• Minimum 8-12 years of experience in POS, fintech, or banking domain, with at least 2 years in a leadership role.
• Proven track record of managing high-performing sales teams and achieving business targets.
• Strong understanding of digital payments, retail merchant behavior, and POS lifecycle.
• Excellent interpersonal, negotiation, and stakeholder management skills.
• Strategic thinker with a hands-on execution mindset.
• Comfortable with data analysis, reporting, and CRM systems.