Merchant Relationship Manager

Actively Reviewing the Applications

YES BANK

India, Goa, Panaji Full-Time On-site

Posted 3 weeks ago • Apply by June 10, 2026

Job Description

Location- GOA

Key Responsibilities

Merchant Acquisition & Management: Managing the process of new merchant acquisition (for POS and QR codes) and handling existing merchant relationships within a designated territory.
Portfolio Growth & Profitability: Being accountable for the profitability and growth of the merchant portfolio, including managing POS volume and Average Monthly Balance (AMB).
Cross-Selling: Driving revenue through the cross-selling of other banking products such as General Insurance, Life Insurance, Demat accounts, and various loan products (Digital Overdraft, Business Loans, Car Loans, Personal Loans, etc.).
Stakeholder Collaboration: Working closely with branch banking staff and other internal teams (Operations, Risk, Product) to enhance product penetration, resolve merchant queries and escalations, and ensure smooth service delivery.
Training & Support: Conducting training for branch employees to ensure they are familiar with the merchant products, sales processes, and effective pitching.
Compliance & Documentation: Ensuring all sales activity is recorded online and adhering to all bank policies, including KYC/AML guidelines and other regulatory requirements (RBI/SEBI/AMFI/IRDA).
Market Analysis: Keeping abreast of market developments, competitor intelligence, and new techniques to inform management about product gaps and market conditions.

Qualifications & Skills

Education: A Bachelor's degree in any field is typically required, with an MBA often preferred for senior or specialized roles.
Experience: A minimum of 3-8 years of experience in relationship management, merchant acquiring, or sales account management within the banking or fintech industry is generally sought.
Skills:
Strong communication, interpersonal, and negotiation skills.
Proven ability to meet and exceed sales targets.
Strong understanding of digital payments, POS systems, current accounts, and wealth management products.
Ability to build strong, long-lasting client relationships and work independently as well as part of a team.