Product Sales Manager - Retail Solutions

Role Overview

This position is for a Product Sales Manager in Retail Banking, based within the Branch Banking function. The role is focused on driving sales and distribution of small-ticket, unsecured overdraft products while building strong relationships with nearby partners who influence customer decisions. Success in this role depends on delivering or exceeding sales goals, understanding current-account customer needs, and sourcing business from the designated catchment area.

Job Purpose

The main objective of this role is to grow the bank’s small-ticket unsecured overdraft portfolio through effective sales planning and market execution. The person in this role will develop and roll out sales strategies, coordinate with credit teams for application processing, and use a strong background in product sales to expand business. Prior exposure to retail merchant handling will be considered an advantage.

Key Responsibilities

• Handle clients’ transaction-banking needs while maintaining appropriate regulatory relationships.
• Identify prospects with strong transaction-banking potential and introduce them to digital solutions.
• Activate the prospect list of identified customers and expand the overall transaction-banking business.
• Share product, service, and feature inputs with product and strategy teams to strengthen the transaction-banking offering.
• Support the creation of sales strategies for setting up transaction-banking services for clients.
• Own and execute the business plan across product development, sales, management, and service delivery to meet cash-management and trade objectives where relevant.
• Train Relationship Managers on new transaction-banking solutions, including cash and trade products.
• Ensure client deals are implemented on time and support resolution of transaction-related issues.
• Work collaboratively with all internal and external stakeholders to deliver responsibilities effectively.
• Collect market intelligence and competitor feedback to continuously assess internal offerings.
• Partner with Product and Operations teams on process improvements and product upgrades that improve client retention.
• Build strategic alliances across segments to deliver innovative client solutions.

Education Criteria

Applicants may come from any of the following educational backgrounds: graduate, post-graduate, engineering, or professional qualifications such as CA, CFA, or ICWA. No specific institute tier or specialization is prescribed.

Experience Required

A minimum of 5 years of relevant experience is required. Background in banking or fintech is preferred, with functional experience in product sales across transaction banking or retail banking. The role is suited to a managerial or senior individual contributor level, depending on the business need.

Additional Information

This role sits within Retail Banking and the Branch Banking department. It requires comfort working with customer sourcing in the assigned market, collaborating with credit for unsecured overdraft processing, and managing product sales execution end to end.