Process Manager_CREDIT CARD_0233_1288_1094564_HRR

Kotak Mahindra Bank; Mumbai; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

Kotak Mahindra Bank in Mumbai invites applications for a Product Sales Manager - CMS to drive business development across POS, EDC, Bharat QR and UPI solutions. You will collaborate with branches and RM teams to generate leads, onboard clients, and grow CMS penetration while ensuring smooth go-live and portfolio health.

The role requires 2-3 years in POS/Merchant Acquiring sales, strong MS Office skills, and excellent English and local language communication.

Qualifications

• Minimum 2-3 years of experience in sales of POS/Merchant Acquiring
• Exposure to Cash Management/GTS/CMS solutions preferred
• Graduate degree required; MBA preferred
• Proficient in MS Office (Word, Excel, PowerPoint)
• Strong written and verbal communication in English and local language of the market

Responsibilities

• Business Development & Lead Generation: source merchants for POS/EDC/Bharat QR/UPI and generate CMS opportunities
• Onboarding, Activation & Portfolio Management: ensure seamless go-live and drive throughput (TPV)
• Enablement, Training & Marketing Support: train branches and run campaigns with collaterals
• Risk, Compliance & Governance: meet KYC/AML standards, manage chargebacks/fraud risks
• New acquisitions: POS/QR terminals and CMS mandates; activation & throughput; portfolio health
• Team leadership: capable of handling a team of 6-8 members

Skills

POS/Merchant Acquiring

Lead generation

Relationship management

MS Office

English & local language communication

Education

Graduate degree (BBA/BMS/BAF/BCA/B Tech/BSc IT)

MBA preferred

Tools

MS Office

Job description

Job Description:

Product Sales Manager - CMS

1) Business Development & Lead Generation

• Source merchants for POS/EDC/Bharat QR/UPI and identify opportunities for CMS across assigned markets and segments.
• Work with mapped branches/RM teams to drive leads, campaigns, and product penetration and ensure smooth handover for implementation.
• Generate independent leads via references, market mapping, and networking; target priority industries/sectors with tailored propositions.
  • Collections: Physical & Electronic Collections, Smart Collect/Virtual Accounts, Payment Gateway, e-NACH, BBPS, Cash, UPI.
  • Payments: Physical & Electronic Payments, Dividend mandates, vendor/salary payouts, UPI payouts, Corporate Remittance
  • Merchant Acquiring: POS/EDC/Bharat QR with appropriate MDR/subvention constructs.

2) Onboarding, Activation & Portfolio Management

• Coordinate with operations/implementation for seamless go-live; ensure activation and throughput (TPV/collections).
• Build deep client relationships to retain and grow wallets, cross-sell/up-sell adjacent products, and proactively resolve service issues.

3) Enablement, Training & Marketing Support

• Train and enable Branch Banking/Relationship teams to sell CMS and Acquiring products effectively.
• Conduct system demos for Potential & Existing clients; run visibility campaigns and provide marketing collaterals to drive penetration.

4) Risk, Compliance & Governance

• Ensure KYC/AML and documentation standards are met; maintain AOF accuracy and policy adherence.
• Explain chargebacks/fraud risks for all product offering and follow audit/compliance requirements throughout deal lifecycle.
• New acquisitions: POS/QR terminals, CMS mandates
• Activation & throughput: TPV, fee realization.
• Penetration: Product adoption across mapped branches/segments.
• Portfolio health: Retention, cross-sell/up-sell, NPS/CSAT.
• Risk & compliance: Zero critical audit findings; KYC accuracy.

• Minimum 2-3 years of experience in sales of POS/Merchant Acquiring with a reputed bank / acquirer
• Exposure to Cash Management/GTS/CMS solutions (collections, payments, escrow, integrations) preferred.
• Graduate (BBA, BMS, BAF, BCA, B Tech, B.Sc. IT) required; MBA preferred (Engineering + MBA is an advantage)
• Proficient in MS Office (Word, Excel, PowerPoint).
• Strong written and verbal communication in English and local language of the market.

• Strong sales orientation; self-starter with high energy and proactive & leadership approach.
• Market savvy with solid networking; analytical and practical with troubleshooting aptitude.
• Excellent interpersonal, negotiation, presentation, and planning skills.
• Detail-oriented, tenacious yet diplomatic; comfortable working under pressure and meeting tight deadlines.
• Capable of handling team of 6-8 people

Sound analytical and logical reasoning capabilities

Requirements: