Product Sales Manager

Job description

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: • Strong 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