: Key Account Manager – Payments (5–8 Years Experience) Department: Merchant Acquisition / Payments Business

Location: Mumbai (Based in Western line) – R Tech Gorgeaon

Reports to: Zonal Head

Role Overview The Key Account Manager (KAM) will be responsible for managing and growing strategic merchant relationships within the assigned portfolio, specifically merchants generating POS volumes between ₹5 to ₹50 lakhs per month

. The role demands experience in the payments industry , deep understanding of merchant acquiring operations, and proactive cross-selling abilities across loans, insurance, and demat products

. The KAM will ensure superior service delivery, drive revenue growth, and maximize wallet share from key accounts.

Key Responsibilities

- Key Account Management
- Manage a portfolio of high‑value merchants with monthly POS throughput of ₹5–₹50 lakhs.
- Act as the primary relationship owner, ensuring seamless service delivery and issue resolution.
- Monitor merchant performance, transaction trends; initiate corrective actions where required.
- Ensure timely deployment, activation, and utilization of POS and digital payment solutions.
- Revenue & Volume Growth
- Drive incremental POS volumes and increase merchant engagement across payment products.
- Implement portfolio‑level strategies to reduce attrition and enhance merchant stickiness.
- Identify upsell opportunities within payment acceptance products (POS, QR, Soundbox, etc.).
- Cross-Selling & Productivity
- Cross-sell YES Bank products including:
- Business loans / working capital solutions
- Life, general, and health insurance products




- Demat and investment accounts for eligible merchants
- Partner with internal product and sales teams to ensure seamless fulfilment of cross-sell leads.
- Stakeholder & Partner Management
- Liaise with internal operations, deployment teams, service teams, and fintech partners (e.g., Pine Labs, Innoviti, Mswipe, etc.) to ensure end‑to‑end merchant satisfaction.
- Work closely with partners to manage auto-settlement, reconciliation, and other service functionalities.
- Compliance, Governance & Documentation
- Ensure adherence to regulatory guidelines, KYC norms, risk policies, and merchant onboarding standards.
- Maintain accurate merchant records, agreements, and transaction data for audit and compliance purposes.
- Market Intelligence
- Track competitor offerings, merchant trends, fintech innovations, and market pricing.
- Provide insights to the product and leadership teams for strengthening the bank’s merchant value proposition.

Required Skills & Competencies

- 5–8 years of experience in payments, merchant acquiring, POS/digital acceptance, or fintech partner management.
- Strong understanding of POS operations, settlements, MDR, reconciliation, chargebacks, and merchant lifecycle.
- Proven track record in cross-selling financial products (loans, insurance, demat).
- Excellent communication, negotiation, and relationship‑management skills.
- Ability to handle high‑value accounts with a customer-centric approach.
- Robust analytical mindset with proficiency in portfolio and volume data analysis.
- Self-driven, target-focused, and able to manage field operations independently.

📌 Key Accounts Manager (Mumbai)
🏢 Yes Bank
📍 Mumbai