MRM-Retail-Merchant Serv

HDFC Bank (Shillong, ML, India) 16 days ago

Job Description

  • A.
  • Acquiring New Merchant Relationships: Acquiring new merchant relationships for the Bank.
  • New Acquisition: Acquire new business.
  • Monthly acquisition target ranges from 50 to 60 merchants.
  • Plan marketing activities and ensure merchant engagement through smart buy / digital offering.
  • a.
  • Drive market penetration and ensure new merchants come on board.
  • b.
  • Work closely with branches / channels to ensure catchment scoping is done and acquisition is done.
  • Ensure right pricing for the different digital products and thus profitability.
  • Growth in fee income.
  • Ensure all the digital products are given to the merchant to enhance wallet share.
  • Achieve Fee income targets.
  • Ensure rentals and installation fee is collected.
  • B.
  • Portfolio Management: Manage the Merchant Acquiring business for the given territory.
  • Job involves the following aspect: a.
  • Portfolio management of the life to date merchants.
  • b.
  • Ensure activation / retention of merchant.
  • c.
  • Grow market share and wallet share.
  • Responsible for managing and growing the profitability of the portfolio along with POS Volumes for the merchant sourced in the financial year (new book only).
  • Activation and volume from the merchants new acquired in the year.
  • Increasing the portfolio volume from Existing/ New Customer.
  • C.
  • Product Penetration: Selling of allied up-sell products viz.
  • , MPOS / GPRS / DCC / EMI / PayZapp for Business, etc Ensure right pricing for the different digital products and thus profitability.
  • Growth in fee income.
  • Ensure all the digital products are given to the merchant to enhance wallet share.
  • Drive penetration of digital products like Mpos, Digi Pos, pay zapp for Business etc D.
  • Cross-sell Bank Products: Cross-selling of Assets and Liabilities to the New Merchant base.
  • Crossselling of Assets & Liabilities to the existing portfolio customer.
  • Cross sell of Retail Asset products ie LAP, EEG, BBG, Auto Loans , BL, TW, PL, HL etc.
  • Close interaction with different verticals of the bank to achieve the goals E.
  • Team Management: Manage and achieve team productivity: Team has 10- 12 FOS o Hire, train and make the FOS team productive.
  • MRM has a team of 10 FOS.
  • Manages a volume of 500 cr to 800 crs annually .
  • Managing productivity of the Off-roles sales team F.
  • Branch Engagement & other Cross Functional teams: Relationship development with Branch Channel & other channel.
  • Engaging HNW RM/PB.
  • Joint scoping of Market with Branch/ RM/PB.
  • Engaging with other cross functional teams for lead assessment & closure.

Skills

  • 1. Sales and Influencing Skills
  • 2. Communication
  • 3. Team handling and channel management
  • 4. Ability to handle multiple tasks.
  • 5. Aggressive & Ability to work under pressure.
  • 6. Interpersonal & Influencing skills
  • 7. Relationship Building Skills
  • 8. Knowledge of Competition & Current trends in financial Industry.

MRM-Retail-Merchant Serv

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