Walk-in | Product Sales Manager

Kotak Mahindra Bank; Mumbai Suburban; Sur place; INR 900 000 - 1 500 000; Plein temps

Résumé du poste

Kotak Mahindra Bank is seeking Assistant Product Sales Managers for Merchant Acquiring and Cash Management solutions. The role combines new acquisition, solutioning, integration, and portfolio retention with collaboration across internal stakeholders.

Responsibilities include sourcing merchants for POS/EDC/Bharat QR/UPI, driving leads with branches, onboarding, activation, and ongoing portfolio management. Strong CMS exposure and cash management experience are required.

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 degree 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.

Responsabilités

• Business Development & Lead Generation: Source merchants for POS/EDC/Bharat QR/UPI and identify CMS opportunities.
• Drive leads with mapped branches/RM teams and ensure smooth handover for implementation.
• Generate independent leads via references, market mapping, and networking; target priority industries.
• Onboarding, Activation & Portfolio Management: Coordinate with operations for seamless go-live; ensure activation and throughput.
• Build deep client relationships to retain and grow wallets, cross-sell/up-sell adjacent products, resolve issues.

Connaissances

POS/Merchant Acquiring

CMS solutions

Cash Management

Relationship building

Leadership

Market networking

Formation

Graduate degree (BBA/BMS/BCA/BTech/BSc IT)

MBA preferred

Outils

MS Office

Description du poste

Role & responsibilities

• CMS & POS Experience mandatory
• Looking for candidate from Western line only
• Look for candidates from ICICI - Solution Manager, Axis Transaction Manager CMS, HDFC E-NET Merchant Acquiring

Drive end-to-end sales, onboarding, and portfolio growth thru dedicated team of

Assistant Product Sales Managers for Merchant Acquiring (POS/EDC, Bharat QR, UPI) and Cash Management solutions (Collections, Payments, Escrow-Capital & Non-Capital Market Deals, Digital Integrations) across assigned verticals and mapped branches/relationship teams. The role combines new acquisition, solutioning & integration, and portfolio retention with strong collaboration across internal stakeholders

Preferred candidate profile

Key Responsibilities:

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