CASH MANAGEMENT SALES JOB DESCRIPTION

A Cash Management Sales professional owns the full commercial relationship between a bank's treasury product suite and its corporate, institutional, and middle-market clients. Few banking roles demand equal fluency in deposit structure, liquidity optimization, and cross-border payment mechanics - the knowledge gap shows immediately in a lost RFP or a mispriced Working Capital facility. This seat requires navigating both inbound and outbound sales motions across PCM portfolios, often in coordination with corporate bankers and Global Relationship Directors. Seniority ranges from associate-level pipeline support to P&L ownership across client segments.

As the Cash Management Sales professional, you drive revenue growth and client retention by matching corporate treasury needs to the bank's payments, liquidity, and deposit solutions across a managed portfolio. You work alongside PCM teams, commercial lenders, and product managers, with scope spanning individual account support at the associate level through full regional sales leadership depending on seniority.

Career Impact: Deep fluency in PCM products - including SWIFT connectivity, liquidity pooling, and SBLC structures - positions you among a narrow group of bankers who can sell and structure complex cross-border treasury deals.

Business Impact: Corporate clients depend on accurate pricing, timely implementation, and well-structured deposit relationships to run daily operations; gaps in this role translate directly to client attrition and lost fee income.

Growth Opportunity: The path from Cash Management Sales associate to senior sales or P&L-owning transaction banking lead is well-worn, with pipeline management and RFP experience accelerating that progression measurably.

• Develop and manage a pipeline of corporate and middle-market prospects to meet core deposit and fee income targets.
• Prepare and present cash management proposals, pitch books, and relationship review materials tailored to client treasury needs.
• Collaborate with commercial lenders and PCM partners throughout the sales cycle to ensure accurate pricing, product setup, and timely implementation.
• Support clients during pre-implementation and post-sale phases to ensure smooth onboarding and resolution of operational issues.
• Monitor pipeline activity, update client records, and ensure credit risk renewals and annual service reviews are completed on schedule.
• Conduct market and portfolio research to identify cross-sell opportunities within existing banker relationships.
• Deliver product demonstrations and internal training to bankers and associates on new or updated cash management solutions.
• Adhere to bank policies, regulatory requirements, and compliance controls across all client-facing and internal activities.

• Bachelor's degree in Finance, Business, Economics, or equivalent work experience.
• 2 or more years of cash management, treasury services, or commercial banking experience, with direct client or sales exposure.
• Working knowledge of core deposit products, payment systems, and cash management solutions including ACH, wires, and lockbox services.
• Demonstrated ability to manage a sales pipeline, prepare proposals, and coordinate across internal teams to close and implement deals.
• Strong written and verbal communication skills, with the ability to present confidently to corporate clients and internal stakeholders.
• High attention to detail and organizational discipline, with ability to manage multiple accounts and deadlines simultaneously.
• Familiarity with financial services regulations and compliance requirements applicable to commercial banking relationships.

• Experience structuring cross-border cash management or liquidity solutions including SWIFT, SEPA, notional pooling, or in-house bank concepts.
• Prior exposure to PCM or transaction banking in a large regional or global bank, with understanding of correspondent banking structures.
• Demonstrated track record of meeting or exceeding deposit growth or fee income targets in a commercial banking environment.
• Business fluency in a second language, particularly French, Spanish, or Japanese, relevant to the institution's client corridor focus.

• New deposit volume and fee income generated against quarterly PCM targets, measured per portfolio.
• Pipeline conversion rate, tracking proposals submitted to funded or implemented deals.
• Client retention rate across managed accounts, reflecting relationship depth and service consistency.
• Annual review completion rate for Cash Management service agreements and credit risk renewals.
• RFP response turnaround time, measuring responsiveness to competitive deal opportunities.
• Typical tools: CRM platforms (commonly Salesforce); productivity and presentation software (commonly Microsoft Excel, PowerPoint).

• Base Salary Range: $65,000 to $120,000 depending on seniority and market.
• Bonus: Annual performance bonus tied to deposit growth and fee income targets.
• Equity: Uncommon at individual contributor level; possible at senior or director level.
• Health Benefits: Medical, dental, and vision coverage standard across banking employers.
• PTO: 15 to 20 days annually, plus standard federal holidays.
• Common Perks: Tuition reimbursement, professional development stipend, 401(k) with employer match.

Figures are estimates based on general US market benchmarks and may be outdated. Adjust based on location, company size, and seniority level.

Successful completion of a background check, which may include credit history review given the financial services context of this role, is a condition of employment. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other characteristic protected under applicable federal, state, or local law. Candidates requiring a reasonable accommodation during the application or interview process may request one at any time. Applicants must be authorized to work in the United States.

The Cash Management Sales Associate owns client proposal development, pipeline coordination, and relationship support across PCM and corporate banking teams, working directly with Inbound PCM Sales Managers and GLBA and BDDF corporate bankers to ensure services and pricing are set up accurately. By maintaining proposal templates, tracking credit risk renewals, and preparing pitch books and global account plans, the Cash Management Sales Associate enables the GTB/NY sales function to capture opportunities and deliver consistent client outcomes.

Key Responsibilities

• Work with Inbound PCM Sales Managers on client proposals including Treasury solutions, cost/benefit analysis, pricing, and profitability models.
• Collaborate with Inbound PCM Sales, GLBA, and BDDF corporate bankers throughout the sales cycle to manage and update pipeline and ensure services and pricing are set up timely and accurately.
• Coordinate with internal partners to ensure successful implementation, product ramp-up, and accurate pricing and billing.
• Keep PCM Templates updated, including pricing, internal presentations, and external pitches.
• Maintain logs, follow up, and ensure credit risk renewals are processed and implemented.
• Recognize client cash flow needs and apply appropriate banking solutions.
• Assist with client call and meeting preparation by creating relationship review materials, pitch books, and global account plans.
• Conduct market and customer research to detect opportunities within current portfolio of bankers and Global Cash Management Sales.
• Manage existing clients and maintain a file of prospective and new clients, ensuring timely follow-up on all requests.
• Maintain an updated client complaint and incident folder and ensure controls are processed in a timely manner.
• Support Head of GTB and Head of PCM AMER for internal and transversal projects of GTB/NY.
• Write meeting minutes and other reports to support Inbound PCM Managers.

Required Qualifications

• 2+ years of experience in client management.
• Strong understanding of US and International Cash Management, including payment and collection systems, connectivity channels, liquidity optimization solutions, and cross-border structures such as SWIFT, SEPA, and Faster Payments.
• Credit risk management experience including assessing and managing risk from a product, liquidity, and commercial perspective.
• Understanding of Standby Letter of Credit (SBLC) and Working Capital arrangements.
• Basic financial knowledge required.
• Mindful of local legal and compliance constraints.
• Highly proficient in Microsoft Excel, PowerPoint, and Word with superior analytical and quantitative skills.
• Excellent communication, presentation, and writing skills in English with strong analytical, organizational, and time management skills.
• Proven ability to multitask and meet deadlines.
• Proactive team player with the ability to work with multiple stakeholders and present confidently to clients and senior management.
• French speaking is a plus.

Reporting to the Global Head of Transaction Banking, the Cash Management Sales head leads a senior sales team responsible for all cash management revenue, solutions, and client relationships across the UAE, the Middle East region, and key international locations, serving large local corporates, regional corporates, and MNCs. The Cash Management Sales head delivers new business and portfolio revenue growth through global sales strategy ownership, pipeline management, and commercialization planning for new cash management products.

Core Functions

• Deliver new business and portfolio revenue growth through end-to-end management of global sales strategy, account planning, prospecting, pipeline management, solutions, pitching, and revenue realization.
• Achieve overall revenue and liability targets on cash management products by driving sales initiatives, maintaining high-activity calling, focusing on high-potential segments, capturing transaction volumes, and maintaining pricing discipline.
• Work with the sales team to identify best-fit solutions, coach on developing strong proposals and pitches, attend client pitches where relevant, and advocate for product and service model enhancements to win deals.
• Coordinate with the Product Management Team to develop and execute a comprehensive commercialization plan for new cash management products, including targets, client market, prospect lists, marketing materials, and client education events.
• Track and monitor execution of these plans through regular pipeline meetings.

Qualifications & Experience

• Bachelor's Degree required; MBA is a plus.
• Minimum 20 years of sales experience in cash management, including at least 10 years in senior sales management roles managing a region or multiple markets.
• Strong understanding of all cash management products, ideally in a global or large regional bank.
• Track record of exceeding sales targets and driving new revenue streams.
• Strong sales management, analytical, and data-driven mindset.
• Strong communication ability and executive impact.

Embedded within the Private Client Group structure, the Cash Management Sales Officer II assists PCGs, operations, and product support teams in achieving deposit and cash management revenue goals by supporting client implementation, resolving operational challenges, and preparing proposals and training materials. Working closely with bankers, customers, and product management, the Cash Management Sales Officer II ensures smooth product onboarding and timely follow-through on all documentation and client requests.

Primary Duties

• Work closely with PCGs, operations, and product support to assist with banker and client inquiries.
• Join client calls by phone and in person to discuss Cash Management solutions.
• Assist in coordinating the resolution of operational challenges reported by sales officers, bankers, and customers.
• Support clients during the pre-implementation process, ensuring a smooth transition to the operations, product support, and training team.
• Assist with and prepare Cash Management proposals and provide training as needed for internal associates and customer interactions.
• Provide pricing feedback to PCGs on Cash Management products and services.
• Assist product management with periodic projects requiring client and banker contact.
• Proactively follow up with customers and bankers to ensure proper completion of returned documents in preparation for submission.

Education & Experience

• Bachelor's degree (BA, BS, BBA, etc.) from a four-year college or university with three to five years of related experience, or equivalent combination of education and experience.
• 4 years of experience preferred but not required.
• Understanding of Cash Management and Treasury Services products.
• Strong sales skills preferred; client-oriented and detail-oriented.
• Ability to handle a high volume of documentation accurately and efficiently.
• Superior organizational, interpersonal, and presentation skills.

Sitting at the intersection of new business development and relationship management, the Cash Management Sales professional works under the direct guidance of the e-Delivery Manager to grow core deposits and fee income by developing tailored deposit relationships with commercial clients and prospects. Operating across independent and joint calling efforts with Commercial Lenders, Commercial Insurance, and Branch Managers, this role ensures all Cash Management services are approved, reviewed annually, and aligned to applicable financial services regulations.

Duties

• Responsible for providing sales of Cash Management services to commercial customers and prospects, working independently and in partnership with Commercial Lenders, Commercial Insurance, and Branch Managers, while routinely referring other business lines' products and services as appropriate.
• Establish and maintain Cash Management relationships with a focus on core deposit growth and Cash Management-related fee income.
• Obtain appropriate approvals for all Cash Management services and manage annual reviews in a timely manner.
• Promote the Kennebunk Savings brand by recommending products and services and supporting community focus.
• Understand, support, and adhere to applicable organizational policies, procedures, and state and federal regulations.
• Emphasize teamwork, complete required training and policy reviews, and take on additional tasks and duties as assigned.

Skills & Qualifications

• Bachelor's degree required or equivalent.
• 2–3 years of Cash Management or related experience in a financial services environment.
• Prior knowledge of regulations within the financial services industry preferred.
• Understanding of Cash Management and Treasury Services products.
• Proficient in Microsoft Office products and Salesforce.
• Strong written and verbal communication skills, organizational skills, and ability to multitask to meet deadlines.
• High level of accuracy, attention to detail, and analytical skills to solve technical and non-technical problems.
• High regard for trust, confidentiality, and ability to adapt to change.

A key member of the branch team, the Cash Management Sales specialist reports to the Branch Manager and delivers consultative selling, order processing, and design assistance in a customer-service-oriented environment requiring multitasking across sales transactions, product demonstrations, and outbound calling. Collaborating across vendor, operations, and management functions, the Cash Management Sales specialist ensures customers receive accurate product information, efficient transaction handling, and support across the full range of in-store and field sales activities.

Functions

• Provide best-in-class customer service.
• Maintain awareness of all product knowledge, promotions, and vendor training.
• Place outgoing calls to known or unknown customers based on initiatives and existing work.
• Demonstrate use and operation of product and recommend products to customers and answer questions.
• Accurately and efficiently complete all sales transactions, including processing invoices, returns, and payments.
• Provide information regarding warranties, manufacturing specifications, care, maintenance, and delivery options.
• Assist in floor moves, product and display maintenance, replenishing product, and store housekeeping.
• Perform any miscellaneous duties as assigned by management.

Requirements

• High School Diploma.
• Minimum 3 years of customer service and sales experience or residential and commercial security systems installation.
• Previous Audio Visual knowledge.
• Knowledge of advanced networking and ability to program control systems including RTI, Control4, Savant, Creston, Lutron, Holm, etc.
• Proficient in Microsoft Excel and Outlook.
• Comfortable multitasking while taking customer calls
• Must be able to lift up to 50lbs and over 50lbs with team help.
• Motivated self-starter.

The Cash Management Sales role shapes the inbound into India PCM corridor strategy by structuring complex cross-border payments, liquidity, and cash management deals for corporates and non-financial institutions globally, working directly with Relationship Directors and Global Relationship Directors to maximize client revenues in the Indian market. The Cash Management Sales professional owns the India P&L for cash across FI, NBFI, and international corporate segments, driving fee income through collections, payments, Escrow mandates, and Trust and Retention Accounts.

Accountabilities

• Champion all inbound into India business corridor for cash sales activity aligned to the overall India PCM strategy.
• Drive cross-border business development across corporates and non-financial institutions globally, delivering leading-edge cash management advice through the sale of complex cash management and liquidity solutions.
• Play an integral part in achieving the cash income plan through new business acquisition and protecting income lines from competitor threats.
• Establish Barclays as a market leader in cash management aligned to the Corporate Bank transaction banking teams globally.
• Build and maintain strong customer relationships through effective client planning to maximize earnings from Cash Management products, including tailored pricing and bespoke system integration.
• Develop potential new banking business and provide introductions to treasury colleagues and group partners to maximize group revenue.
• Assist in developing innovative Cash Management solutions and drive the Cash Management message internally and externally.
• Initiate and lead education and coaching to upskill team members and retain and attract talent into the Cash Sales Specialist arena.
• Implement a clear business origination plan for the India Inbound business with buy-in from all key stakeholders.
• Proactively research customer needs, identify appropriate solutions, convert relationship leads into sales, and manage pipeline and RFP deals.
• Own the India P&L for cash across client segments and drive fee income via collections, payments, Escrow mandates, and Trust and Retention Accounts.

Experience & Qualifications

• 10+ years of experience in business development or sales, with proven track record of new business development in a large and complex client environment and significant experience delivering against origination and portfolio growth targets.
• Experience in sales management including pipeline and stakeholder management.
• Experience working within a global matrix environment.
• Extensive experience structuring global payments and cash management solutions, with strong knowledge of Indian corporate and financial markets.
• Excellent knowledge of cash management, liquidity, and global payment solutions.
• Understanding of complex client accounting, Treasury Management operating systems, corporate and transactional banking products, and digital and mobile banking products.
• Strong understanding of risk, compliance, and regulatory governance with incisive analytical ability to minimize credit and legal risk.
• Strong communicator and influencer with proven selling, negotiation, and relationship-building skills
• Team player able to work in an agile global environment.
• Strong interpersonal skills, flexible thinking, problem-solving ability, perseverance, and innovative spirit.
• Stay abreast of market, competitor, and regulatory developments and actively support marketing and client events.

Cash Management Sales supports the bank's financial goals by producing and maintaining sales tools, coordinating client outreach, and performing product demonstrations for internal and external audiences across the cash management and treasury services product set. The work directly supports the broader cash management sales team through proposal preparation, post-implementation follow-up, and adherence to bank procedures, regulatory standards, and compliance requirements.

Day-to-Day Responsibilities

• Assist the Cash Management sales team in meeting financial goals by supporting the sales process.
• Produce and maintain sales tools and resources, including presentations, proposals, reports, documentation, pipeline, and client databases.
• Participate in client sales outreach, meetings, and post-implementation support.
• Perform product and service demonstrations to internal and external audiences and stay current on product changes and enhancements.
• Collaborate with internal stakeholders and other groups within the organization.
• Adhere to internal bank procedures, policies, strategies, and regulatory and compliance requirements.

Professional Experience

• 2–5 years of relevant experience in banking or financial services.
• Cash Management or Treasury Services experience and knowledge preferred, along with working knowledge of corporate sales in the cash management industry.
• Detail-oriented and organized with strong multitasking, critical thinking, and prioritization skills.
• Proficient in Microsoft Excel and PowerPoint.
• Ability to work independently under pressure and meet deadlines with excellent verbal and written communication skills.
• Business fluency in Spanish or Japanese preferred.