ME Relationship Officer-Retail RO-Merchant Services

Job Title

ME Relationship Officer-Retail RO-Merchant Services

Job Details

Business Unit (PA): Merchant Services

Team

Merchant Acquiring

Reports to (job): MRM Merchant Acquiring – Retail

Location of Role

PAN India- basis office location mapping

Job Fn

Sourcing and Portfolio Management

Role Type

Individual

No of direct reportees

0

Travel Required

Local travel for customer meetings

Job Band Range

S1-S2

JD Created date

08-Aug-23

JD Updated date

14-May-24

Version No

1.0

Job Purpose

Sourcing new customers

Tracking activation

Cross-selling products

Managing existing portfolio

Job Responsibilities

Ensure engagement \& visitation of all assigned Retail portfolio merchants.

Enhance portfolio through activation, win-back of volume share, maintaining complete volume share for POS \& UPI, upselling Soundbox/POS, and cross-selling.

Ensure EMI enablement and activation in merchants within EMI business segments (e.g., electronics, mobile).

Achieve Merchant Acquiring product \& Cross-sell targets monthly.

Source Merchant Acquiring products (POS, Soundbox, SmartHub) from existing merchant expansions, self-employed segments, and customer leads.

Increase cross-sell penetration in portfolio merchants to create additional income and profitability.

Ensure daily login to Sales Automation Software (Vymo/CRM) for customer calls, portfolio enhancement, and visit updates.

Action and update 100% leads \& databases (CRM, Vymo) within Turn Around Time.

Verify all documents in Originals, including KYC, and sign OSV after checking originals.

Visit customer premises to pick up documents as per policy and log the file (submission to CPA or SM, ADM, RM, PB in the branch).

Ensure quality business sourcing as per defined norms and adherence to all sales processes.

Cross Sell products like CC, CASA, Asset, TPP.

Educational Qualifications

Graduate (Commerce preferred, but not a constraint)

Key Skills

Flair for sales and go-getter attitude

Good communication skills

Tech-savvy

Basic computer and mobile applications knowledge

Good interpersonal skills

Time management

Disciplined sales approach

Sales call and field visits experience

Experience Required

Fresher to 3 Years (Banking preferred, but not a constraint)

Major Stakeholders

Operation Team

CPA and Me Service Team

About HDFC Bank

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HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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