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.

Hikal Ltd is a leading manufacturer and supplier of specialty chemicals, active pharmaceutical ingredients (APIs), and crop protection products. Its careers page highlights opportunities across RD, manufacturing, quality assurance, and corporate functions, reflecting its integrated role in life scie...