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Kotak

Assistant Product Sales Manager-BRANCH BANKING-Enterprise Business Solutions - EBS

Kotak · Hyderabad, Telangana, India

Banking · 10,001+ employees

8 h ago
Junior (0-2 yrs) Full-time India
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About the role

The role involves driving end-to-end sales, onboarding, and portfolio growth for merchant acquiring and cash management solutions across assigned verticals. You will also be responsible for training branch teams, managing client relationships, and ensuring compliance with KYC and audit standards.

What they look for

Sales Business Development Merchant Acquiring Cash Management POS/EDC UPI Relationship Management Lead Generation Portfolio Management KYC/AML Negotiation Presentation Analytical Skills MS Office Communication Strategic Planning

Requirements

Candidates must have at least one year of experience in POS or merchant acquiring sales within a banking environment. A bachelor's degree is required, with a preference for MBA graduates and those with exposure to cash management solutions.

Full description

CMS & POS

Role Assistant Product Sales Manager

Location Across India

Number of Positions 125

Reporting Relationships Product Sales Manager

Position Grade M1/M2

Drive end-to-end sales, onboarding, and portfolio growth for Merchant Acquiring (POS/EDC, Bharat QR, UPI) and Cash Management solutions (Collections, Payments, Escrow-Capital & Non-Capital Market Deals, Digital Integrations) across assigned verticals and mapped branches/relationship teams. The role combines new acquisition, solutioning & integration, and portfolio retention with strong collaboration across internal stakeholders.

Job Profile

Key Responsibilities:

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.

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Key Performance Indicators (KPIs)

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.

Qualifications & Experience

  • Minimum 1 year experience in sales of POS/Merchant Acquiring with a reputed bank or 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.

Skills & Competencies

  • Strong sales orientation; self-starter with high energy and proactive 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.
  • Team player with entrepreneurial/builder mindset; presentable and dynamic.
  • Sound analytical and logical reasoning capabilities.