Job Title

Cluster Head

Business Unit

Emerging Enterprises Group - Express OD

Reporting To

Regional Head

Job Function and Role Type

Sales, Supervisor, Extensive Travel Required

Version No

Job Purpose To drive initiatives aligned with business objectives to achieve leadership in the banking sector.

Key Responsibilities

Branch & Lead Management

Meet Branch Managers and Cluster Heads.

Guide RMs in planning lead generation activities.

Review CRM leads and branch meetings.

Channel Development and Management

Develop multiple business generation channels.

Engage with associations and distributors for retailer financing.

Collaborate with Merchant and ABCP teams for lead flow and closure.

Cross Selling

Execute cross-sell contests for RMs.

Drive team to achieve cross-sell targets.

Logins - Current + Enhancement

Monitor and review RM target achievements.

Review ABND performance.

Renewals

Review pending CAM renewals and chronic cases.

Provide guidance to RMs on renewals.

CAM Conditions Review/OBA Review

Ensure compliance with approval conditions.

Plan exits or levy charges for non-compliance.

Guide RMs and interact with customers.

Delinquency Management

Communicate with branches and customers via email.

Conduct joint visits with Credit Managers.

Follow up rigorously and seek collections support.

Complaints: CRM / MD / PNO / CRO

Ensure resolution and replies within TAT.

Education:





Graduate.

Certifications:

None specified.

Key Competencies

Leadership, interpersonal skills, analytical skills, coordination, ability to work under pressure.

Major Stakeholders

Branch Banking Team, Operations, Product Team, Credit.

About HDFC Bank

HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch

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