ROLE PURPOSE & OBJECTIVE:

- Build Primary Banking relationships and increase CASA, transaction flows and fee income from MSME customers.
- Drive and grow insurance products business and fee income from MSME customers
- Build Primary Banking relationships with MSME customers by increasing CASA balances, insurance penetration (GI/HI/LI/CSLI), current account activation, transaction flows, digital collections and payment solution adoption.
- Drive the MSME Transaction Banking proposition across current accounts, CMS, QR, POS, UPI, Payment Gateway, virtual accounts, payment and collection solutions, Trade and Forex referrals, and relationship deepening initiatives.
- Enable revenue and customer stickiness by partnering with Sales, Product, Operations, Digital Banking, Branch Banking and service teams to improve wallet share, retention, fee income and digital transaction adoption.
- Build and execute the MSME Transaction Banking proposition to strengthen Primary Banking relationships and improve customer stickiness.
- Drive acquisition and activation of current MSME Primary Banking customers with focus on CASA growth, Current Account penetration and transaction-led relationship deepening.
- Drive penetration of insurance products like general/health/life & credit shield insurance. Tracking of insurance penetration, new issuance of policies & putting a closure on the settlement of cases.



Co-ordinate with regional teams for training to field teams and timely issuance of policies.
- Grow payment and collection solutions including QR, POS, UPI, Payment Gateway and other digital transaction modes in coordination with Digital Banking and Product teams.
- Build and promote Cash Management Services and transaction banking solutions for MSME customer needs such as collections, payments, reconciliation, virtual accounts and corporate connectivity, where applicable.
- Increase Trade and Forex referrals from eligible MSME customers by identifying customer needs and connecting with relevant internal product teams.
- Monitor fee income, transaction volume, digital adoption, customer activation, retention, wallet share and branch / sales productivity through structured MIS and reviews.
- Design campaigns, customer-engagement interventions and branch / sales enablement actions to improve adoption and usage of transaction banking products.

Educational Qualifications:

- Graduate in Commerce / Business / Finance / Economics or related discipline. MBA / PGDM in Marketing, Finance, Banking or Business Management preferred.

Experience :

- 5 to 8 years of relevant experience in Banking preferably in MSME Banking, Transaction Banking, Current Account acquisition, Digital Payments, Branch Banking or business/product enablement roles.

📌 Business Manager– Transaction Banking (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru