Product Sales Manager_BRANCH BANKING_0733_1288_1094565

Kotak Mahindra Bank; Mumbai; Vor Ort; INR 1.200.000 - 1.800.000; Vollzeit

Zusammenfassung

Kotak Mahindra Bank is seeking a Product Sales Manager - CMS to drive business development, lead generation and merchant onboarding across assigned markets. You will work with branches and RM teams to optimize campaigns, activation timelines and wallet growth, while ensuring compliance and risk controls.

The role requires 2-3 years in POS/Merchant Acquiring sales, a Graduate degree, and strong MS Office skills, with MBA preferred for higher responsibilities.

Qualifikationen

• 2-3+ years of sales experience in POS/Merchant Acquiring with a reputed bank
• Graduate degree mandatory; MBA preferred for advancement
• Proficient in MS Office and English plus local language
• Strong networking, negotiation and client relationship skills

Aufgaben

• Source merchants for POS/EDC, Bharat QR, UPI and CMS opportunities
• Collaborate with branches/RMs to drive leads, campaigns and product penetration
• Onboard, activate and portfolio-manage merchant accounts; ensure smooth go-live

Kenntnisse

Sales skills

Networking

Leadership

Communication (English + local)

MS Office

Ausbildung

Bachelor degree (BBA/BMS/BAF/BCA/BTech/BSc IT)

MBA preferred

Tools

MS Office

Jobbeschreibung

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: