Description

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.

Skill Set Requirement:

- Certification in MS Office/MIS Tools – from private or government institute.
- Sales oriented, Proactive with high energy levels and capable of working with a team
- Analytical, practical and have aptitude for troubleshooting.
- Keen interest in sales, structuring and implementing deals
- Willingness to travel within radius of 100 KMs for customer meetings

📌 Senior Product Sales Manager-BRANCH BANKING-Enterprise Business Solutions - EBS (Jalandhar)
🏢 Kotak Mahindra Bank
📍 Jalandhar