Description

Product Sales Manager - CMS

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.
- New acquisitions: POS/QR terminals, CMS mandates
- Activation & throughput: TPV, fee realization.
- Penetration: Product adoption across mapped branches/segments.
- Portfolio health: Retention, cross-sell/up-sell, NPS/CSAT.
- Risk & compliance: Zero critical audit findings; KYC accuracy.

- Minimum 2-3 years of experience in sales of POS/Merchant Acquiring with a reputed bank / acquirer
- Exposure to Cash Management/GTS/CMS solutions (collections, payments, escrow, integrations) preferred.
- Graduate (BBA, BMS, BAF, BCA, B Tech, B.Sc. IT) required; MBA preferred (Engineering + MBA is an advantage)
- Proficient in MS Office (Word, Excel, PowerPoint).
- Strong written and verbal communication in English and local language of the market.

- Robust sales orientation; self-starter with high energy and proactive & leader approach.
- Market savvy with solid networking; analytical and practical with troubleshooting aptitude.
- Excellent interpersonal, negotiation, presentation, and planning skills.
- Detail-oriented, tenacious yet diplomatic; comfortable working under pressure and meeting tight deadlines.
- Capable of handling team of 6-8 people

Sound analytical and logical reasoning capabilities

📌 Product Sales Manager_BRANCH BANKING_0733_1288_1094565 (Mumbai)
🏢 Kotak Mahindra Bank
📍 Mumbai