Product Sales Manager - CMS

Kotak Mahindra Bank; Mumbai; On-site; INR 900,000 - 1,500,000; Full time

Job summary

Kotak Mahindra Bank is hiring for a Business Development & Lead Generation role to drive merchant acquisitions and CMS penetration across designated markets. You will source merchants, work with branches to run campaigns, and ensure smooth handover to implementation.

You will also oversee onboarding, activation and portfolio management, while training branch teams and supporting marketing collateral to drive penetration and wallet growth.

Qualifications

• 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 in a related field; MBA preferred; engineering + MBA is an advantage.
• Proficient in MS Office (Word, Excel, PowerPoint).

Responsibilities

• Source merchants for POS/EDC/Bharat QR/UPI and identify CMS opportunities across markets.
• Collaborate with branches/RM teams to drive leads, campaigns and product penetration.
• Coordinate onboarding, activation and portfolio management for seamless go-live.
• Train branches to sell CMS and Acquiring products; run visibility campaigns with marketing collaterals.
• Explain KYC/AML requirements and manage risk, compliance and governance throughout deals.

Skills

Sales orientation

Leadership

Communication

Networking

Education

Graduate (BBA, BMS, BAF, BCA, B Tech, B.Sc. IT)

MBA preferred

Tools

MS Office

Job description

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 & leader 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