Kotak Mahindra Bank—Assistant Product Sales Manager-BRANCH BANKING-Enterprise Business Solutions - EBS

Job description

Description: CMS & POS Role Assistant Product Sales Manager Location Across India Number of Positions 125 Reporting Relationships Product Sales Manager Position Grade M1/M2 Drive end-to-end sales, onboarding, and portfolio growth 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. Job 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. - Key Performance Indicators (KPIs) 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. Qualifications & Experience - Minimum 1 year experience in sales of POS/Merchant Acquiring with a reputed bank or 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. Skills & Competencies - Strong sales orientation; self-starter with high energy and proactive 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. - Team player with entrepreneurial/builder mindset; presentable and dynamic. - Sound analytical and logical reasoning capabilities.