Product Sales Manager_BRANCH BANKING_0733_1288_1094566

Kotak Mumbai, Maharashtra, India

Banking · 10,001+ employees

Yesterday

Mid (2-5 yrs) Full-time India

Create a free account to apply — email only, no card. You can also save this posting or score it against your profile with AI.

Applying here? Try the free cover letter tool — paste this posting and your résumé, no account needed.

About the role

The Product Sales Manager is responsible for driving business development and lead generation for CMS and merchant acquiring products across assigned markets. They will also manage client onboarding, activation, and portfolio growth while ensuring compliance with KYC/AML standards.

What they look for

Business Development Lead Generation Merchant Acquiring Cash Management Product Sales Relationship Management KYC Compliance AML Compliance Team Leadership Negotiation Presentation Skills Analytical Skills MS Office Strategic Planning Troubleshooting

Requirements

Candidates must have at least 2-3 years of experience in POS or merchant acquiring sales within a banking environment. A bachelor's degree is required, with a preference for an MBA and strong communication and leadership capabilities.

Full 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.

Strong 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