Job Description

CMS & POS

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.

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.

• 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.

• 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.

• 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.

Source merchants in the local market for POS/EDC terminals and Bharat QR solutions. Collaborate with mapped branches and sales teams for lead generation and closure. Meet prospective clients, understand their needs, negotiate pricing, and complete onboarding documentation (AOFs). Independently generate leads through references and proactively close sales. Ensure thorough understanding and adherence to KYC, costing, pricing, and subvention guidelines. Prepare and analyze performance reports to identify gaps and opportunities. Drive top-line revenue growth through strategic merchant engagement. Retain and grow client portfolios by building strong relationships and delivering value-added services.