Department - Branch & Business Banking

Reporting To - Cluster Head/Zonal Head

Position Purpose

Job

Execute, Service and monitor overall administration and effective daily operations of a full service branch office; including operations, lending, product sales, customer service, security and safety in accordance with the Bank's objectives.

Principal Accountabilities

1. Be the face of the bank in the given geography for all segments
2. Be able to Drive Team and Business in the Market
3. Be able to present. be articulate and manage senior profiles and dignitaries
4. Achievement of incremental number and value targets for Liabilities (CA, SA, FD); and Fee Products revenue from Trade /FX and third party product (MF, LI, GI, & other fee products), Wealth Management
5. Prepare and monitor Sales plan for the branch
6. Build a healthy liability and business banking book.
7. Increase market share in the Moradabad Market

Sales & Business Development:

1. Sales Planning :

- Prepare and track product wise - liabilities, fee AOP for the full financial year.
- Commerce and catchment mapping
- Prepare and review monthly activity calendar of outbound activities of BSM / JO
- Roll out MOP for outbound and inbound sales on 1st of every month followed by weekly and monthly reviews.
- Review all employees in branch quarterly.
- Review productivity of RMPAs/ BOMs/ BBs/PBCS on a weekly basis.
- Present, self and team as Face of the Bank, with Good command on English and being WELL Groomed.

2. Review and handhold BOMs & PBCSs on a daily basis and Sales Team on a weekly basis

3. Conduct Daily Morning Huddles to discuss daily plan and agenda for employees.

4. Ensure proper on-boarding of all new customers acquired.

5. Sale of 3 products per customer within 90 days of account opening.

6. Track inflow outflow reports, account closures, FD renewals, FD closures, overdue FD,



locker occupancy, Sales and thus daily business generation

7. Maintain quality of customer acquisition through sourcing mix and on-boarding process.

8. Monitoring DSRs on a regular basis.

9. Lead management proper assignment and closure of leads.

10. Tapping markets or customer segments within the catchment of the branch, which are hitherto untapped, to increase the GL Base of the branch.

Customer Service :

1. Manage Key Bank Relationships across all segments
2. Acquire New Profitable Relationships and build a Robust Business
3. Ensure Superior Customer Services
4. Achievement of branch Customer Service Scores target
5. Nil Critical Requests at branch
6. Nil Escalations at branch and complaint handling

Capability Building & Manpower Management :

1. Team Building
2. Training and Development
3. Manpower Planning

Other Responsibilities:

1. Implement centrally-originated projects on customer service, automation, processes and compliance in the branch
2. Monitor specialized desks at branches
3. Follow up on legal cases pertaining to branch
4. Business continuity planning for the branch
5. Contribute to employee morale and plug employee turnover

Performance Indicator

1. Retail P&L;

Net interest Income: Percentage achievement against target

Fee Income: Percentage achievement against target. We may need to include cross sell somewhere

2. GL Size of branches

Current Accounts

- Number of accounts
- Incremental growth in balance
- Average balance of account (Quality of account)

Savings Accounts

- Number of accounts
- Incremental growth in balance
- Average balance of account (Quality of account) what about salary accounts

Term Deposits

- Retail penetration of deposits sourced
- Incremental growth in deposits

Qualifications and Experience Requirement

Essential -

Graduate

MBA/Postgraduate will be preferred.

Experience

Essential -8-14 Years.

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