Branch Manager

Grade: Manager-2/AVP

Legal Entity: Equitas Small Finance Bank

Business Unit: Retail Banking

Division: Branch Banking

Department: Branch Banking

Travel Required: Yes

Level of Travel: Extensive

Level: Managerial

Job Dimension

Reporting To: Cluster Manager

Direct Reports: 3

Indirect Reports: 5-8

Geographic Spread: 1 branch office

Purpose of the Role

The role holder would be in charge of the branch assigned and for driving the business through branch banking products like CASA, TD, and TPP in their assigned Branch area. This role is also responsible for leading the branch team for overall operations, compliance to policies and products, and high-quality delivery of all branch banking services and products to our clients, driving a high-performance culture in the branch.

Key Responsibilities

- Set and achieve high-performance targets for Current Accounts & Savings Accounts (CASA) both in terms of numbers and value through the Sales Manager & team of Sales Officers and Business Correspondent Manager & network of Customer Service Points.
- Set and achieve high-performance targets for sales of third-party products like Insurance, Mutual Funds, etc., through the Sales Manager and team of Sales Officers and Business Correspondent Manager & network of Customer Service Points.
- Set and achieve high-performance targets for high-value customers like high net worth individuals, government departments, societies, trusts, salary accounts, etc., through the Relationship Manager.
- Provide high-quality service to existing & new customers who walk-in to the Branch through the Branch Operations Manager and team of Customer Service Officers.
- Actively generate & pass-on leads for cross-sell products like Gold Loan, Two-Wheeler loan, Car Loan, Home Loan,



etc., sourced through the entire Branch team and network of Customer Service Points.
- Ensure 100% compliance to Policies & Processes and all regulatory matters of RBI and other statutory bodies.
- Recruit, onboard, mentor, review, train & develop, and retain Branch Staff. Prepare MIS & other reports and necessary corrective and preventive actions.
- Manage productivity and overall morale of branch team members.
- Liaise with CPCL, marketing team, and other verticals for timely account opening, service enhancements, and sales initiatives.

Indicative Tasks & Competencies

Business Perspective

Responsible for P&L; at the branch.

Competencies

Tasks

Analytical Skills
Planning
Market Intelligence
Result Orientation
Decision Making

Track and ensure that expenses do not exceed the approved budget.
Ensure the branch achieves targets in terms of all products viz CASA, TPP, Mutual Funds, TD, Gold Loan etc.
Monitor branch performance on a daily, weekly, and monthly basis.
Analyze trends in the area and conduct marketing activities in and around the branch to generate leads and source NTB customers.
Develop initiatives to increase sales, customer base, and enhance Equitas' image in the location.
Individually contribute for NTB, deepening, and other TPP products.
Accompany branch employees in the closure of key sales deals.

Process Perspective





Competencies

Tasks

Analytical Skills
Execution Excellence
Collaboration

Identify issues faced in the branch and advise cluster managers to solve problems effectively.
Track and ensure the quality of the portfolio maintained at the branch.
Ensure strict audit and compliance at the branch and adherence of risk parameters to mitigate the occurrence of customer and employee frauds.
Participate in audits, monitor scores, and close action points and concerns.
Ensure the branch attains the desirable FTR % on account opening.
Liaise with CPCL, marketing team, and other verticals for timely account opening, service enhancements, and sales initiatives.
Ensure that all branch registers, reports, and legal documents are in place.

Customer Perspective

Competencies

Tasks

Building Relationships
Selling Skills

Build, manage, and promote relationships with existing/old customers to generate new business and solicit referrals.
Ensure continuous generation of business through productive relationship management.
Conduct periodic meetings with key clients to manage and grow business.
Effectively handle customer complaints, if any.

Learning & Growth Perspective

Competencies

Tasks

Team Management
Coaching
Collaboration

Work with the Cluster Manager to set targets for the branch considering market conditions, potential, and past performance.
Mentor and lead the branch employees to ensure that sales targets are achieved.
Train employees for the branch, provide on-the-job training, and coach them to enable them to achieve their targets.
Align the team towards Equitas' core values and Mission in conducting business.

📌 Branch Manager (India)
🏢 Right Human Resource Associates
📍 India