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 new

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

2. 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.

3. 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.

4. 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:

• Solid 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