Asst Product Sales Manager

Below is a polished, ready‑to‑post version of the Assistant Product Sales Manager – Merchant Acquiring role.
It keeps the core responsibilities you outlined, adds a concise “Key Responsibilities” section, a “Required & Preferred Qualifications” block, and a short “Why Join Us?” paragraph to make the posting more compelling for candidates.

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Assistant Product Sales Manager – Merchant Acquiring (POS/EDC & Bharat QR)

Location: [City/Region] – Hybrid (office + field)
Reporting to: Head – Merchant Acquiring / Product Head – Payments

About the Role

You will be a key driver of the bank’s digital‑payments ecosystem, responsible for sourcing, onboarding, and growing a portfolio of merchants for POS/EDC terminals and Bharat QR solutions. Working closely with branch sales teams and cross‑functional partners, you will identify market opportunities, negotiate customized payment solutions, and ensure seamless compliance with KYC and pricing guidelines. Your efforts will directly contribute to top‑line revenue growth and the bank’s broader digital transformation agenda.

Key Responsibilities

Business Development	Client Management	Compliance & Operations	Analytics & Reporting
• Identify and prospect high‑potential merchants in the assigned geography. • Generate leads through referrals, networking events, and branch collaboration.	• Conduct on‑site/virtual meetings to understand merchant needs, present solutions, and close sales. • Negotiate pricing, subvention, and service terms while protecting margin.	• Ensure all onboarding documentation (AOFs, KYC, PAN, GST, etc.) is complete and accurate. • Adhere to bank‑wide costing, pricing, and subvention policies.	• Prepare weekly / monthly performance dashboards (pipeline, conversion, revenue). • Analyse sales trends, identify gaps, and recommend corrective actions.
• Work with mapped branches to co‑create lead‑generation campaigns and joint sales pitches.	• Build long‑term relationships; conduct periodic reviews and upsell value‑added services (e.g., loyalty programs, analytics).	• Liaise with Risk, Compliance, and Operations teams to resolve any onboarding or post‑sale issues.	• Present insights to senior management and contribute to strategic planning.
• Meet or exceed quarterly acquisition targets for POS/EDC terminals and Bharat QR QR‑code registrations.	• Maintain a high level of merchant satisfaction (NPS ≥ 70).	• Keep abreast of regulatory updates (RBI, PCI‑DSS) and ensure merchant compliance.	• Track key KPIs: lead‑to‑close ratio, average deal size, churn rate, and revenue per merchant.

Required Qualifications & Skills

Education & Experience	Core Competencies	Technical / Functional
• Bachelor’s degree in Business, Finance, Economics, or a related field. • 2‑4 years of experience in merchant acquisition, payments, or B2B sales (preferably in banking or fintech).	• Strong prospecting and cold‑calling abilities. • Excellent negotiation and closing skills. • Relationship‑building mindset with a customer‑first attitude.	• Good working knowledge of POS/EDC hardware, Bharat QR, and digital‑payment workflows. • Familiarity with KYC, AML, and RBI guidelines for merchant onboarding.
• Proven track record of meeting/exceeding sales targets (minimum 20 % YoY growth).	• Analytical mindset – ability to interpret sales data and translate insights into action. • High level of organization and time‑management; ability to juggle multiple prospects simultaneously.	• Proficiency in MS Office (Excel/PowerPoint) and CRM tools (e.g., Salesforce, Zoho).
• Willingness to travel locally (up to 30 % of time).	• Strong communication (verbal & written) and presentation skills.	• Basic understanding of pricing models, cost‑to‑serve, and subvention calculations.

Preferred (Nice‑to‑Have) Attributes

• Experience with Bharat QR or other QR‑based payment solutions.
• Prior exposure to branch‑banking environments or working with branch sales teams.
• Certifications in Payments (e.g., NPA, PCI‑DSS) or relevant fintech courses.

Why Join Us?

• Impact: Play a pivotal role in expanding the bank’s digital‑payments footprint across a fast‑growing market.
• Growth: Clear career progression path – from Assistant Manager to Senior Manager and beyond, with regular skill‑upskilling programs.
• Collaboration: Work alongside a high‑performing, cross‑functional team (Risk, Operations, Product, Marketing) that values innovation and customer centricity.
• Recognition: Competitive remuneration, performance‑linked incentives, and a culture that celebrates sales excellence.

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Application Process
Interested candidates should submit their updated resume and a brief cover letter highlighting relevant merchant‑acquisition achievements to [recruitment@bankname.com] with the subject line “Assistant Product Sales Manager – Merchant Acquiring – [Your Name]”.

The bank is an equal‑opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.