Product Sales Manager_BRANCH BANKING_0733_1288_1094565
Kotak Mahindra Bank · Banking & Financial Services
- Mumbai, Maharashtra, India
- On-site
- Posted yesterday
- Apply by 9 Nov
- Sales & Business Development
About the job
Product Sales Manager - CMS
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.
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.
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.
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