Key Responsibilities

• Cluster Business Ownership
• Deliver recent-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster.
• Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, skilled firms and service establishments.
• Translate cluster targets into branch-, team- and individual-level productivity plans.
• Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.
• Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition.
• Sales Leadership and Channel Execution
• Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets.
• Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles,



pipeline reviews and conversion tracking.
• Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch.
• Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.
• Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.
• Current-Account Activation and Value Build-Up
• Ensure newly acquired accounts become transaction-active within defined activation timelines.
• Drive operating balances, inward credits, collections, payment activity and digital banking adoption.
• Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition.
• Build strategies to migrate primary transaction flows—collections, vendo

📌 Associate, Cluster Operations And Service Head, Consumer Banking Group Kurinjipadi
🏢 DBS Bank
📍 Kurinjipadi