Business Development Manager (BDM)

Description – Business Development Manager, Credit CardsJob

Title: Business Development Manager – Credit Cards

Department: Sales / Business Development – Credit Cards

Location:-Kolkata and Central Kolkata

Reporting To: Regional Sales Manager / Area Sales Manager

Employment Type: Full-Time

Role SummaryWe are looking for a result-oriented Business Development Manager – Credit Cards to drive customer acquisition, business growth, and market expansion for the credit-card portfolio.

The role will be responsible for developing new business through direct sales, corporate tie-ups, channel partners, referrals, and other acquisition channels. The candidate will manage the complete sales funnel—from lead generation and customer onboarding to card activation and spend enhancement—while ensuring adherence to KYC, regulatory, and internal compliance requirements.

• Key Responsibilities1. Business Development & Customer AcquisitionDrive new customer acquisition for credit-card products through assigned channels and markets.
• Generate leads through corporate visits, field sales, referrals, networking, cold calling, events, and market activations.
• Identify new markets, customer segments, and business opportunities for credit-card acquisition.
• Build and maintain a strong sales pipeline to consistently achieve monthly and annual targets.
• Present credit-card products, features, rewards, fees, benefits, and eligibility criteria to prospective customers.
• 2. Corporate & Partnership DevelopmentIdentify and establish relationships with corporates, institutions, merchants, associations, and other potential partners.
• Develop corporate tie-ups for employee/customer credit-card acquisition programs.
• Identify and onboard suitable channel partners, DSAs, agencies, and other acquisition partners where applicable.
• Negotiate commercial terms and develop mutually beneficial business relationships.
• Manage partner performance and ensure agreed acquisition and service levels are achieved.
• 3. Sales Target & Performance ManagementAchieve assigned monthly, quarterly, and annual card acquisition targets.
• Monitor the complete sales funnel, including leads, applications, approvals, card issuance, activation, and spends.
• Track key performance indicators such as acquisition volume, approval rate, activation rate, productivity, and cost of acquisition.
• Prepare regular sales reports, market updates, and pipeline reviews for management.
• 4. Customer Relationship ManagementBuild strong relationships with existing and prospective customers.
• Ensure a smooth customer onboarding experience.
• Drive card activation and encourage customers to increase card usage and spends.
• Identify cross-selling and upselling opportunities where appropriate.
• Address customer queries and coordinate with internal teams for timely resolution.
• 5. Market & Competitor IntelligenceConduct regular market mapping and identify potential customer clusters and acquisition opportunities.
• Monitor competitor credit-card products, rewards, pricing, offers, campaigns, and acquisition strategies.
• Provide market feedback to product, marketing, and sales teams to improve acquisition strategies.
• 6. Compliance & Process ManagementEnsure all customer acquisition activities comply with KYC, regulatory, risk, and internal policies.
• Ensure accurate collection and submission of customer documentation.
• Maintain high sourcing quality and minimize fraudulent, incomplete, or mis-sold applications.
• Coordinate with credit, operations, risk, and fulfillment teams to resolve application-related issues.
• 7. Cross-Functional CoordinationWork closely with Marketing, Product, Credit, Risk, Operations, Customer Service, and Technology teams.
• Support the execution of promotional campaigns and acquisition initiatives.
• Provide feedback on customer needs, product positioning, and market opportunities.
• Key Performance Indicators (KPIs)New credit cards acquired
• Monthly/quarterly sales achievement
• Approval and activation rate
• Card spend and usage growth
• Lead-to-application and application-to-approval conversion
• Channel/partner productivity
• Cost per acquisition
• Quality of sourced applications
• Customer retention and engagement
• Revenue and portfolio growth

Candidate ProfileEducation

• Graduate degree in any discipline.
• MBA/PGDM in Sales, Marketing, Finance, or Business Management is preferred.

Experience

• 2–6 years of experience in credit-card sales, banking, BFSI, fintech, consumer lending, payments, or financial-product sales.
• Experience in corporate sales, channel sales, partnerships, or direct customer acquisition will be an advantage.

Key Skills

• Strong sales and business-development orientation.
• Excellent communication, presentation, negotiation, and relationship-management skills.
• Strong networking and lead-generation capabilities.
• Ability to work with targets and under pressure.
• Good understanding of credit-card products and customer acquisition processes.
• Analytical and data-driven approach to sales performance.
• Strong stakeholder and partner-management skills.
• Good knowledge of MS Excel, PowerPoint, CRM, and sales-reporting tools.
• Preferred AttributesProven track record of consistently achieving sales targets.
• Existing network among corporates, merchants, institutions, or channel partners.
• Strong understanding of the local market.
• Willingness to travel for client meetings and field activities.
• High ownership, entrepreneurial mindset, and strong execution capability.

CompensationSalary: Competitive fixed compensation + performance-based incentives

Benefits: As per company policy

• Why Join UsOpportunity to work in the growing credit-card and digital-payments industry.
• Performance-linked earning potential.
• Opportunity to build expertise in sales, partnerships, and financial products.
• Career growth opportunities within the BFSI/fintech ecosystem.