Jose Morales
Chicago
Summary
Fintech professional with 10 years of experience in Field & Inside Sales. Proven track record of driving sales, optimizing operations, and forging strategic partnerships in the financial technology industry. Adept at building and managing relationships, driving customer acquisition, and ensuring exceptional account management. Skilled in leveraging partnerships with business clients and managing key relations with institutions such as Citibank, Bank of America, and U.S. Bank. Currently serving as Vice President | Market Manager, Payments at U.S. Bank, leading teams and initiatives to deliver innovative payment solutions and drive business growth.
Results-driven executive with extensive experience in strategic leadership and operational excellence. Proven track record in driving growth, optimizing processes, and fostering team collaboration. Exceptional skills in strategic planning, financial management, and stakeholder engagement. Adaptable and reliable, consistently achieving high-impact results in dynamic environments.
Overview
11
11
years of professional experience
Work History
Vice President | Market Manager, Payments
U.S. Bank
10.2024 - Current
- Developed and managed a robust sales pipeline, resulting in a significant increase in new merchant accounts and payment processing volume.
- Executed targeted sales campaigns that exceeded quarterly revenue goals by 20%.
- Built and maintained strategic partnerships with local business banking teams, leading to a 30% increase in cross-referral business.
- Delivered high-impact sales presentations, achieving a closing rate above 75% with small business clients.
- Implemented innovative payment solutions, improving client satisfaction and retention rates.
- Recognized for outstanding collaboration and leadership in launching new payment products and services.
- Consistently provided actionable market insights to leadership, influencing regional sales strategy.
- Maintained top-tier customer service ratings through proactive relationship management and issue resolution.
- Managed 21 branches and leads a team of over 100 employees within the small business space, driving operational excellence and team performance.
Business Consultant Field Sales
Fiserv
02.2020 - 09.2023
- Negotiated and closed complex deals with high-profile clients, expanding mid-market portfolio by 50%.
- Increased average account processing volume from $5M to $35M annually per account.
- Played a key role in sales presentations with C-Suite individuals; 80% closing success rate.
- Orchestrated strategic partnership initiatives with local chambers of commerce, generating 25% growth in client base.
- Cultivated and maintained strong relationships with Citibank, generating substantial cross-referral business.
- Achieved consistent revenue growth exceeding targets by 30% year-over-year.
- Managed a diverse portfolio, ensuring top-tier customer satisfaction and retention.
- Expanded IL team, trained two associates.
- Primary contact for customer inquiries, maintaining satisfaction rate over 90%.
- Conducted business reviews, identifying up-selling and cross-selling opportunities, contributing to 15% growth in account revenue.
AVP, Business Consultant Inside Sales
Bank of America Merchant Services
07.2018 - 02.2020
- Worked with Brick & Mortar, E-Commerce, full service and Quick Service restaurant customers to understand business needs and provide exceptional service.
- Proficient in all pricing models, particularly with interchange and B2B Level II & III.
- Maintained relationships and excelled in pipeline management with Bank of America partnership.
- Utilized morning huddles for opportunity flow and coaching.
- Proficient in Business Needs Analysis and strategic pricing.
- Coached merchants in day-to-day processing operations and technology integration.
Regional Business Manager
Sprint
03.2017 - 07.2018
- Managed business field sales and district representatives.
- Handled accounts from 100–10,000 lines of service.
- Partnered and trained district retail employees.
- Utilized Salesforce for pipeline management.
- Increased territory business sales year-over-year by 30%.
Regional Business Manager
T-Mobile
08.2014 - 03.2017
- Managed business field sales and district representatives.
- Achieved top 1% percentile sales performance in market and region.
- Trained new hires to achieve sales excellence.
Education
Bachelor of Science - Business Administration, Finance
Florida International University
Miami, FL01.2017
Skills
- Sales and Business Development
- Operations Management
- Partnership Building
- Account Management
- Customer Acquisition
- Marketing Strategy
- Relationship Management
- Lending and Financial Products
- Data Analysis and Performance Tracking
- Team Leadership and Mentoring
- Fluent in English and Spanish
- CRM, Sales Presentations, C-Suite Level Negotiations
- Team leadership
- Relationship building
- Decision-making
- Critical thinking
Languages
Spanish
Native or Bilingual
English
Native or Bilingual
Timeline
Vice President | Market Manager, Payments
U.S. Bank
10.2024 - Current
Business Consultant Field Sales
Fiserv
02.2020 - 09.2023
AVP, Business Consultant Inside Sales
Bank of America Merchant Services
07.2018 - 02.2020
Regional Business Manager
Sprint
03.2017 - 07.2018
Regional Business Manager
T-Mobile
08.2014 - 03.2017
Bachelor of Science - Business Administration, Finance
Florida International University