ME Relationship Officer-Vyapar RO-Merchant Services

HDFC Bank Limited; Katni; On-site; INR 450,000 - 650,000; Full time

Job summary

HDFC Bank Limited is seeking a ME Relationship Officer for Vyapar RO within Merchant Acquiring. The role focuses on merchant engagement, portfolio growth, and cross-selling across POS, EMI, and other banking products.

You will visit merchants, activate partnerships, and drive revenue from the merchant base on a PAN India basis. The ideal candidate will have a commerce background, strong communication skills, and willingness to travel locally for customer meetings.

Qualifications

• Graduate with commerce preferred, but not a constraint.
• Fresher to 3 years in banking or sales is acceptable.
• Strong communication and field sales experience is advantageous.

Responsibilities

• Engage and visit all assigned digital portfolio merchants.
• Activate and grow portfolio; target volume share, upsell Soundbox/POS, cross-sell.
• Ensure EMI enablement and activation for merchants in EMI segments.

Skills

Sales aptitude

Communication skills

Interpersonal skills

Tech-savvy

Field visits

Education

Graduate (Commerce preferred)

Job description

Job Title

ME Relationship Officer-Vyapar RO-Merchant Services

Job Details

Business Unit: Merchant Services

Team: Merchant Acquiring

Reports to: MRM Merchant Acquiring - Vyapar

Location: PAN India - basis office location mapping

Role Type: Individual

Direct Reportees: 0

Travel Required: Local travel for customer meetings

Job Band Range: S1-S2

JD Created Date: 08-Aug-23

JD Updated Date: 14-May-24

Version No: 1.1

Job Purpose

To serve as a ME Relationship Officer - Vyapar RO, focusing on merchant engagement and portfolio growth.

Job Responsibilities

• Ensure engagement and visitation of all assigned Digital portfolio merchants.
• Enhance portfolio through activation, win-back of volume share from competition, maintaining complete volume share for POS & UPI, upselling Soundbox/POS, and cross-selling.
• Ensure EMI enablement and activation for merchants in EMI business segments (e.g., electronics, mobile).
• Achieve Merchant Acquiring product & Cross-sell targets monthly.
• Source Merchant Acquiring products (POS, Soundbox, SmartHub) from existing merchant expansions, self-employed segments, and customer leads.
• Increase cross-sell penetration in portfolio merchants to create additional income and improve merchant profitability.
• Ensure daily login to Sales Automation Software (Vymo/CRM) for customer calls, cross-sell, portfolio enhancement, and visit updates.
• Action and update 100% of leads & databases (CRM, Vymo) within Turn Around Time.
• Verify all documents, including KYC, in originals and sign OSV only after checking originals.
• Visit customer premises to pick up documents and log the file (submission to CPA or SM, ADM, RM, PB in the branch).
• Ensure quality business sourcing as per defined norms and adherence to all sales processes.
• Cross-sell products like CC, CASA, Asset, TPP.

Educational Qualifications

Graduate (Commerce preferred, but not a constraint).

Key Skills

• Flair for sales and a go-getter attitude.
• Good communication and interpersonal skills.
• Tech-savvy with basic computer and mobile applications knowledge.
• Time management and disciplined sales approach.
• Experience with sales calls and field visits.

Experience Required

Fresher to 3 Years (Banking preferred, but not a constraint).

Major Stakeholders

• Operation Team
• CPA and Me Service Team

Required Skills

Refer to the Job Description