Role Purpose:

The Product Sales Manager will be responsible for driving end-to-end sales, onboarding, acvaon, and porolio growth of Merchant Acquiring (POS/EDC, Bharat QR, UPI) and Cash Management Services (CMS)

soluons across assigned markets and customer segments through the EBS channel. The role focuses on current client acquision, soluon-based sales, client relaonship management, and revenue generaon while collaborang closely with Branch Banking, Relaonship Teams, Operaons, and Product stakeholders.

Key Responsibilies:

1. Business Development & Lead Generaon

• Drive acquision of merchants for POS/EDC, Bharat QR, UPI, and Cash Management Services across assigned geographies and customer segments.
- Idenfy opportunies for Collecons, Payments, Escrow, and Digital Integraon soluons among exisng and prospecve clients.
- Partner with mapped branches, Relaonship Managers, and internal stakeholders to generate quality leads and improve product penetraon.
- Generate self-sourced leads through market mapping, networking, customer references, and industry outreach.
- Build and maintain a strong sales pipeline to achieve acquision and revenue targets.

Product Focus Areas

Collecons

- Physical Collecons
- Electronic Collecons
- Smart Collect / Virtual Accounts
- Payment Gateway
- UPI Collecons

Payments

This is an Internal document.
- Vendor Payments
- Salary Uploads & Bulk Payouts
- Electronic Payment Soluons
- UPI Payouts

Merchant Acquiring

- POS/EDC Terminals
- Bharat QR
- UPI Acceptance Soluons
- Value-added acquiring soluons with suitable pricing and MDR constructs

1. Client Onboarding, Acvaon & Porolio Growth

• Coordinate with Operaons, Implementaon, and Service teams to ensure seamless onboarding and mely go-live.
- Drive acvaon of acquired clients and ensure desired transacon volumes and fee income generaon.




- Develop strong client relaonships to maximize wallet share and enhance customer retenon.
- Idenfy cross-sell and up-sell opportunies across CMS, Payments, Collecons, and Acquiring soluons.
- Engage proacvely with customers to address service queries and improve customer experience.

1. Sales Enablement & Market Development

• Conduct customer presentaons, product demonstraons, and soluon workshops for prospecve and exisng clients.
- Support branch teams and relaonship managers with product knowledge and sales opportunies.
- Parcipate in markeng campaigns, industry events, and customer engagement programs to enhance product visibility and lead generaon.
- Share market intelligence, customer feedback, and compeve insights with product and business teams.

1. Risk, Compliance & Governance

• Ensure adherence to all KYC, AML, documentaon, and onboarding guidelines.
- Maintain accuracy and completeness of customer documentaon and account opening forms.
- Educate customers on operaonal processes, chargebacks, fraud prevenon, and risk management aspects of acquiring and CMS soluons.

This is an Internal document.
- Ensure compliance with internal policies, audit requirements, and regulatory guidelines throughout the sales lifecycle.

Key Performance Indicators (KPIs):

- New acquision of POS/QR merchants and CMS mandates.
- Revenue generaon through acquiring and CMS product sales.
- Acvaon and throughput achievement (TPV, Collecons, Payments volumes).
- Cross-sell and wallet share enhancement.




- Product penetraon across assigned branches and customer segments.
- Porolio retenon and customer sasfacon.
- Quality of onboarding and documentaon.
- Compliance adherence with zero crical audit observaons.

Educaonal Qualificaons:

Mandatory

- Graduate in BBA, BMS, BAF, BCA, B.Tech, B.Sc. IT, Commerce, Management, or equivalent discipline.

Preferred

- MBA / PGDM in Markeng, Finance, Sales, or related field.
- Engineering with MBA will be an added advantage.

Experience:

- Minimum 3-5 years of experience in Merchant Acquiring, POS Sales, Payments, Transacon Banking,

CMS, or Banking Sales.
- Experience in acquiring POS/QR merchants with a bank, acquirer, fintech, or payment soluons provider.
- Exposure to Cash Management Services including Collecons, Payments, Escrow Soluons, Digital

Integraons, or Transacon Banking products will be preferred.
- Proven track record in achievement of sales and acquision targets.

Funconal Competencies:

- Strong understanding of Merchant Acquiring and Digital Payment ecosystems.
- Knowledge of Cash Management, Collecons, Payments, and Transacon Banking soluons.

This is an Internal document.
- Ability to idenfy customer needs and provide soluon-based sales.
- Proficiency in MS Office (Excel, PowerPoint, Word).
- Strong verbal and wrien communicaon skills in English and the local market language.

Behavioural Competencies:

- Strong sales orientaon with high ownership and execuon focus.
- Self-driven, proacve, and result-oriented approach.
- Excellent networking, relaonship management, and stakeholder management skills.
- Strong presentaon, negoaon, and influencing abilies.
- Analycal mindset with problem-solving aptude.
- Ability to work under pressure and consistently meet business targets.
- High aenon to detail and compliance orientaon

📌 Product Sales Manager (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai