- POSITION DESCRIPTION

JOB TITLE : Manager-Liabilities Strategy GRADE : AVP-I

DEPARTMENT : Strategy &

- Transformation

LOCATION : HO

SUB-DEPARTMENT : Strategy &
- Key Initiatives

TYPE OF POSITION : Full-time

REPORTS TO : Lead-Liabilities Strategy

REPORTING INTO

NA

- ROLE PURPOSE &
- OBJECTIVE
- Support creation and periodically modification of bank's medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.
- To identify, plan, and support execute strategic initiatives that drive sustainable liabilities growth, reduce cost of funds, improve branch and overall profitability in alignment with organizational vision and regulatory requirements.
- Ensure envisioned outcomes of the identified initiatives are achieved within desired timelines.
- Monitor and report on key performance indicators to measure the success of strategic initiatives
- SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE
- Liabilities: 36,000+ Cr.
- Number of portfolio products: 20+
- KEY DUTIES &

RESPONSIBILITIES OF THE ROLE

Business/ Financials
- Support the annual strategic planning exercise across businesses and quarterly strategy reviews
- Develop deposit mobilization strategies to support asset growth and optimize cost of funds
- Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats.
- Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions.
- Oversee liability portfolio performance including CASA ratio optimization and deposit retention strategies
- Formulate branch expansion strategies ensuring 25% rural presence requirement

Customer (Both Internal &
- External)

- Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings
- Collaborate with branch teams to improve customer acquisition and relationship deepening initiatives
- Identify customer experience enhancement initiatives
- Identify partnership opportunities with fintech companies

Internal Process




- Management presentations on strategic initiatives and market developments
- Collaborate extensively internally to ensure the Bank’s strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Bank’s overall objectives.
- Establish governance frameworks for strategic initiatives, ensuring that all recent initiatives are monitored for success and aligned with the bank’s strategic priorities.
- Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Bank’s progress against its objectives.
- Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution.
- Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank
- Analyze risks and complex issues to provide strategic guidance & efficient solutions.
- Ensure timely submission of all regulatory reports with zero non-compliance instances

Innovation &
- Learning

- Research industry best practices and emerging trends in liability management
- Support organizational transformation and change management initiatives
- Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges.
- Foster collaborative working relationships across departments and regions

V.

Minimum Requirements Of

Knowledge &

- Skills

Educational

Qualifications

- Essential: Master's degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking
- Preferred: Additional professional qualifications such as CFA, CA, or equivalent
- Alternative: Master's in Economics,



Finance, or related field with demonstrated strategic experience

Experience Range (Years and Core Experience Type)
- Minimum: 8-12 years of progressive experience in banking, financial services, or strategic consulting.

Certifications
- Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous

Functional Skills
- Financial Analysis: Advanced financial modeling, ratio analysis, and performance measurement
- Strategic Planning: Business plan development, competitive analysis, and market research
- Data Analytics: Proficiency in data-driven decision making and analytics tools
- Regulatory Knowledge: Deep understanding of RBI guidelines, banking regulations, and compliance requirements
- Project Management: Experience managing complex, multi-stakeholder strategic initiatives

Behavioral Skills
- Strategic Thinking: Ability to analyze complex business scenarios and develop long-term solutions
- Communication: Excellent presentation and stakeholder management skills for board and senior management interactions
- Leadership: Strong collaborative leadership style to influence without direct authority
- Analytical Mindset: Data-driven decision making with attention to detail and accuracy
- Adaptability: Ability to thrive in fast-paced, regulatory environment with changing priorities

Competencies
- Business Acumen: Understanding of banking business models, revenue drivers, and risk factors
- Stakeholder Management: Building relationships across internal teams and external partners
- Problem Solving: Systematic approach to identifying issues and developing actionable solutions
- Change Management: Leading organizational transformation and strategic initiatives

VI. KEY INTERACTIONS

INTERNAL

EXTERNAL

- Bank-wide departments on Products, Processes &
- Governance
- All Vertical / Functional stakeholders
- IT Project Teams
- Consultants
- Vertical Heads of Technology Vendors and Fintech Partners

PREPARED BY: TM Team DATE: 01-09-2025

REVIEWED BY: Deepak Agarwal

DATE: 03-09-2025

LAST UPDATED BY: TM Team

DATE: 17-09-2025

📌 Manager-Liabilities Strategy (Bengaluru)
🏢 Ujjivan Small Finance Bank
📍 Bengaluru