Product Sales Manager

To lead the Trade and Forex business agenda for the assigned geography within the Micro Enterprise segment, driving revenue growth through fund and non‑fund‑based product activation, client engagement, and optimized product mix. The role ensures strong compliance and governance alignment while delivering overall income targets and achieving year‑on‑year growth benchmarks.

• Develop and implement a strategic roadmap for Trade Fee and Forex Income delivery in the assigned region.
• Drive proliferation of Trade & Forex products across the asset book.
• Identify, onboard, and activate NTB (New‑to‑Bank) and NTT (New‑to‑Trade) customers.
• Monitor and optimize trade and forex‑based financing and asset structures.
• Stay updated on regulatory guidelines, competitor strategies, and market trends.
• Forecast revenue potential across fund-based and non‑fund‑based products.

• Trade Income Delivery: Achievement of Trade Fee income targets through product disbursement, activation, and utilization.
• Forex Income Delivery: Growth in usage of Forex solutions within the MIB customer base.
• Overall Income Delivery: Combined achievement of Trade & Forex fee targets across existing, NTB & NTT customers.
• Non‑Fund Based Book: Growth in LC/BG issuances focusing on high‑volume, high‑yield products.
• Fund‑Based Book: Increased usage of sanctioned CC/OD limits for interest income.
• NTB/NTT Activation: Onboarding and activation of NTB/NTT customers with robust product penetration.
• Product Mix Optimization: Balanced contribution from traditional and non‑traditional products; enhanced digital product adoption.
• Digital Penetration: Increased adoption of digital Forex journeys and DIY transaction modes.
• Regulatory Compliance: Closure of outstanding regulatory items and adherence to RBI guidelines.

• Ensure regulatory health of the portfolio by minimizing trade-related pendency.
• Govern and implement risk-related policies and internal controls in alignment with regulatory standards.

• Act as Subject Matter Expert for Trade and Forex‑led asset structuring.
• Drive local BBTFx business strategy through product disbursement and utilization.
• Build a strategic mix of traditional and structured/non‑traditional Trade & Forex products.
• Ensure deep product penetration and high utilization in asset accounts.
• Identify NTB/NTT growth opportunities and drive activation plans.
• Increase LC/BG issuance volumes and fund‑based disbursements to enhance fee and interest income.
• Track limit utilization, customer activation metrics, and initiate corrective measures.
• Strengthen digital adoption by simplifying transaction flows on digital platforms.

• Collaborate with BMs, CHs, Asset Sales teams, and other internal stakeholders for strategy execution.
• Create platforms for effective functioning and issue resolution within BBTFx businesses.
• Influence and support local-level reward and recognition initiatives.

Branch Banking Team, MIB Team, RTFx Team, TBG, Treasury, CSD, OSD, NOC, and other cross-functional units.

Key customers; market influencers such as CA/CS/Law firms and consultants; regulatory bodies including RBI and ED.

• Essential: Post-Graduation in Financial Management.
• Preferred: CA / CFA / MBA.

• Essential: Minimum 7+ years of relevant experience, including 3–4 years in a similar role.
• Preferred: Banking experience in Trade Assets, Working Capital, and Liabilities.