Job Title ME-Relationship Officer-Retail Business Unit Payment Business Reporting To ME-Relationship Officer-Retail Job Function and Role Type Sales & Relationship, Individual Contributor, Travel Required Version No 1.0 Job Purpose Manage existing retail portfolio merchants and onboard new merchants for PoS, UPI, and EMI payment solutions. Strengthen relationships through cross-sell, ring-fencing, and enhancing volume and float of merchant portfolios. Key Responsibilities Relationship Officer will be responsible for ensuring engagement & Visitation of all Retail portfolio merchants assigned. Merchant Engagement & Portfolio Management; Engage and visit assigned merchants; Enhance portfolio and float via activation, upselling, and cross-selling; Enable EMI activation across relevant business segments. Target Achievement; Meet monthly merchant acquiring and cross-sell targets; Source merchant acquiring products from portfolio expansions and leads. Cross-Sell & Profitability; Increase cross-sell penetration to create additional income; Promote bank products like Term, CC, IFB, RA, and Lending to merchants. Sales Automation & Database Management; Use sales automation tools daily for updates and customer calls; Action and update leads and databases within turnaround time. Document Verification & Quality Sourcing; Verify original documents, including KYC; Ensure quality business sourcing and adherence to sales processes; Collect documents and log files as per policy. Education: Graduate or above. Certifications: Basic computer and mobile applications knowledge preferred. Key Competencies Good team spirit, interpersonal skills, time management, good communication skills, proactive approach. Major Stakeholders Merchants, internal sales teams, and management.