Job Title

ME-Relationship Officer-Retail

Business Unit

Payment Business

Reporting To

ME-Relationship Officer-Retail

Job Function and Role Type

Sales & Relationship, Individual Contributor, Travel Required

Version No

1.0

Job Purpose

Manage existing retail portfolio merchants and onboard new merchants for PoS, UPI, and EMI payment solutions. Strengthen relationships through cross-sell, ring-fencing, and enhancing volume and float of merchant portfolios.

Key Responsibilities

Relationship Officer will be responsible for ensuring engagement & Visitation of all Retail portfolio merchants assigned.

Merchant Engagement & Portfolio Management; Engage and visit assigned merchants; Enhance portfolio and float via activation, upselling, and cross-selling; Enable EMI activation across relevant business segments.

Target Achievement; Meet monthly merchant acquiring and cross-sell targets; Source merchant acquiring products from portfolio expansions and leads.

Cross-Sell & Profitability; Increase cross-sell penetration to create additional income; Promote bank products like Term, CC, IFB, RA, and Lending to merchants.

Sales Automation & Database Management; Use sales automation tools daily for updates and customer calls; Action and update leads and databases within turnaround time.

Document Verification & Quality Sourcing; Verify original documents,



including KYC; Ensure quality business sourcing and adherence to sales processes; Collect documents and log files as per policy.

Education:

Graduate or above.

Certifications:

Basic computer and mobile applications knowledge preferred.

Key Competencies

Good team spirit, interpersonal skills, time management, valuable communication skills, proactive approach.

Major Stakeholders

Merchants, internal sales teams, and management.

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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📌 ME-Relationship Officer-Retail (India)
🏢 HDFC Bank
📍 India