Job Title

MRM-ME Relationship

Business Unit

Merchant Services

Reporting To

Area Head- ME Relationship

Job Function and Role Type

Relationship, Individual Contributor

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, activation, and volume enhancement.

Key Responsibilities

Actionable

Strengthening Merchant Relationships; Manage and strengthen relationships to increase ME portfolio; Conduct regular merchant visits to resolve issues and ensure activation; Enhance wallet share across PoS, UPI, and EMI parameters; Collaborate with branch teams to increase merchant float and business; Acquiring New Merchants; Drive PoS, UPI, and EMI business through recent merchant acquisition; Building and Managing RO Team; Hire and train Relationship Officers (RO); Conduct joint merchant visits with RO; Ensure team productivity and qualification for PLP; Cross-Selling Banking Products; Cross-sell savings accounts, credit cards, and asset products to existing and new merchants.

with Merchants for increasing Volume of PoS, UPI & EMI

overall ME book of assigned portfolio

Regular visits & interaction with existing merchants

for increasing business by resolving issues if any and ensuring portfolio activation.

like, PoS, UPI, EMI volume.

working for increasing float of existing merchants & increasing ME business.

EMI solutions

merchant acquisition

team. Hiring the RO team

Ensuring the RO team productivity

Ensuring that the RO qualify for PLP

portfolio.

Cross sell of Banking products like Savings





Account / Credit Cards / Asset products etc to the

Existing portfolio Merchants as well as managing newly onboarded ME.

l Educational Qualifications

Education:

Graduation or Post-Graduation.

Certifications:

[Not provided].

Key Competencies

Sales and influencing skills, banking product and process knowledge, planning and organizing skills, communication, knowledge of competition and financial industry trends.

Major Stakeholders

Retail merchant partners, operations, AFU, product and portfolio, WBO, risk, policy, service, HDB HR and staff.

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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📌 MRM-ME Relationship (Mysuru)
🏢 HDFC Bank
📍 Mysuru