Job Description
ROLE SUMMARY
To work closely with wholesale Banking relationship team and provide Cash management solutions across Government / Corporate clients. To drive Transaction Banking solutions and generate Liability business for the Bank. Contribute towards CASA Balances and Fee income by scoping & targeting clients in the existing segment.
Core Responsibilities
• Generate & Grow CASA balances & FEE income.
• Scope Existing portfolio + Acquire NTB clients by providing Transaction Banking Solutions focused on Government departments\institutions.
• Knowhow of digital banking products and services.
• Providing need-based CMS product solutions (collection & payment products) for Corporate & Government Client.
• Gathering market knowledge on how segments perform to adapt to situations.
• Provide inputs on Sales and Strategy to product team for building & innovating transaction banking products & services.
• Articulate and execute business strategy covering product development & sales.
• Work in tandem with service delivery, operations, product and internal stakeholders to provide seamless solutions
• Identifying strategic alliances for delivery of innovative solutions to clients.
People Management or Self-Management Responsibilities
• Ensuring timely sales calls logging, Pipeline Updation and ensure NIL deferrals
• Attend Trainings for self-development, additionally contribute towards Social Media Presence & Stakeholder management.
Risk and Internal Control Responsibilities
• Coordinating on aspects related to risk management and adherence to policies, framework defined by the bank and in particular relating to transaction banking group, further to be cautious before executing deals in ensuring adherence to risk and regulatory framework/ guidelines.
Key Internal Interactions
Risk Management
For coordinating on aspects related to risk management in various deals on a monthly basis to ensure adherence to risk and regulatory framework/ guidelines
Legal Risk Management
For coordinating and resolving any legal aspects to ensure adherence to regulatory framework and guidelines Need basis
YSB/HCM
For rewarding good performers. For identifying the training / leadership development requirements and the hiring needs.
Product Team
For all product related queries, suggestions and also for developing particular contest to drive business numbers.
Clients/ Customers
For understanding the financial needs of the customer to provide suitable solutions and long term relationship management by driving cross sell initiatives
Dealers/ DSAs/Vendors
For building and maintaining relationships and seek out new business opportunities
Minimum Qualifications
• Bachelor’s degree in any field
• Master’s degree is preferred
Language Skills
English, Marathi and Hindi Written and spoken is essential
Years of Experience
4 - 10 years of relevant experience in Relationship management or servicing Government and corporate clients/CMS Sales or Product/Program Management with at most being in a Government Banking / Strong market understanding and understanding of CMS products (API & Digital Solution) and digital banking suite.
Nature of Experience
Government Banking Sales RM, Service RM, Cash Management/Digital Banking product offering Experience
Core Competencies
Behaviors
• Customer Focus
• Listens to and demonstrates an understanding of customers’ stated needs
• Delivers customer value through timely and quality execution
• Develops an understanding of problems and employs existing or new methods to find solutions
• Professional Entrepreneurship
• Takes proactive and constructive action at work with little or no direction from others
• Displays responsibility for problems, initiatives and tasks that lie within the domain of own role
• Drive for Results
• Seeks to understand the rationale for key decisions and understands implications for own role/ actions
• Displays a sense of urgency to deliver outcomes as per stated timelines
• Reacts to challenges by displaying an optimistic demeanor
• Influence and Impact
• Uses simple persuasion techniques to achieve the desired result / action / commitment from others
• Responds to stated requirements of internal/ external stakeholders by keeping a solution oriented mindset
• Quality Focus
• Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
• Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
Leadership Competencies
• Nurtures Growth
• Ensures Ongoing training to direct reports
• Communication & Commitment
• Clear and openly communicating goals and objectives & constant monitoring of achievement
• Attitude
• Positive and focused
Technical Competencies
• Knowledge of designated product
• Ability to understand customer behavior
• Ability to motivate and lead a team ensuring highest productivity with minimum attrition
• Market and sector knowledge for penetrating in assigned locations
• Understanding of electronic channels used by Government and corporate clients
• Conversant with MS-Office
To work closely with wholesale Banking relationship team and provide Cash management solutions across Government / Corporate clients. To drive Transaction Banking solutions and generate Liability business for the Bank. Contribute towards CASA Balances and Fee income by scoping & targeting clients in the existing segment.
Core Responsibilities
• Generate & Grow CASA balances & FEE income.
• Scope Existing portfolio + Acquire NTB clients by providing Transaction Banking Solutions focused on Government departments\institutions.
• Knowhow of digital banking products and services.
• Providing need-based CMS product solutions (collection & payment products) for Corporate & Government Client.
• Gathering market knowledge on how segments perform to adapt to situations.
• Provide inputs on Sales and Strategy to product team for building & innovating transaction banking products & services.
• Articulate and execute business strategy covering product development & sales.
• Work in tandem with service delivery, operations, product and internal stakeholders to provide seamless solutions
• Identifying strategic alliances for delivery of innovative solutions to clients.
People Management or Self-Management Responsibilities
• Ensuring timely sales calls logging, Pipeline Updation and ensure NIL deferrals
• Attend Trainings for self-development, additionally contribute towards Social Media Presence & Stakeholder management.
Risk and Internal Control Responsibilities
• Coordinating on aspects related to risk management and adherence to policies, framework defined by the bank and in particular relating to transaction banking group, further to be cautious before executing deals in ensuring adherence to risk and regulatory framework/ guidelines.
Key Internal Interactions
Risk Management
For coordinating on aspects related to risk management in various deals on a monthly basis to ensure adherence to risk and regulatory framework/ guidelines
Legal Risk Management
For coordinating and resolving any legal aspects to ensure adherence to regulatory framework and guidelines Need basis
YSB/HCM
For rewarding good performers. For identifying the training / leadership development requirements and the hiring needs.
Product Team
For all product related queries, suggestions and also for developing particular contest to drive business numbers.
Clients/ Customers
For understanding the financial needs of the customer to provide suitable solutions and long term relationship management by driving cross sell initiatives
Dealers/ DSAs/Vendors
For building and maintaining relationships and seek out new business opportunities
Minimum Qualifications
• Bachelor’s degree in any field
• Master’s degree is preferred
Language Skills
English, Marathi and Hindi Written and spoken is essential
Years of Experience
4 - 10 years of relevant experience in Relationship management or servicing Government and corporate clients/CMS Sales or Product/Program Management with at most being in a Government Banking / Strong market understanding and understanding of CMS products (API & Digital Solution) and digital banking suite.
Nature of Experience
Government Banking Sales RM, Service RM, Cash Management/Digital Banking product offering Experience
Core Competencies
Behaviors
• Customer Focus
• Listens to and demonstrates an understanding of customers’ stated needs
• Delivers customer value through timely and quality execution
• Develops an understanding of problems and employs existing or new methods to find solutions
• Professional Entrepreneurship
• Takes proactive and constructive action at work with little or no direction from others
• Displays responsibility for problems, initiatives and tasks that lie within the domain of own role
• Drive for Results
• Seeks to understand the rationale for key decisions and understands implications for own role/ actions
• Displays a sense of urgency to deliver outcomes as per stated timelines
• Reacts to challenges by displaying an optimistic demeanor
• Influence and Impact
• Uses simple persuasion techniques to achieve the desired result / action / commitment from others
• Responds to stated requirements of internal/ external stakeholders by keeping a solution oriented mindset
• Quality Focus
• Ensures adherence to quality standards in work/service delivery, identifies opportunities for improvement in routine course of work
• Adheres to laid down systems, procedures and identifies opportunities to enhance efficiency in own sphere of work through incremental improvement
Leadership Competencies
• Nurtures Growth
• Ensures Ongoing training to direct reports
• Communication & Commitment
• Clear and openly communicating goals and objectives & constant monitoring of achievement
• Attitude
• Positive and focused
Technical Competencies
• Knowledge of designated product
• Ability to understand customer behavior
• Ability to motivate and lead a team ensuring highest productivity with minimum attrition
• Market and sector knowledge for penetrating in assigned locations
• Understanding of electronic channels used by Government and corporate clients
• Conversant with MS-Office
💡 Quick Summary
Seeking a career-building opportunity? The Product Sales Manager | CMS Corporate Sales position is now open for candidates interested in the Bank Jobs sector. This role in Mumbai offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
