- Regional Budgeting & Forecasting:
- Business Budgeting
- Expense Budgeting
- Tracking of Performance against budget in each product line and business line
- Overall business analysis:
- Sales
- Profit Line
- Growth line
- Performance Analysis
- Efficiency Parameter- Form Flow, TAT, Productivity
- Evaluating each Bank Outlet Performance
- Regular Reviews with HO post regional review
- Financial Review
- Profitability Analysis
- Each Product Line Analysis,
- Each Business Line Analysis
- Region Analysis
- Monitoring of Audit Score and its resolution in the region
- Customer Satisfaction Score and ways to improve the customer satisfaction quotient
- New Initiative implementation and monitoring
- Publishing Monthly performance report to the Leadership team
- Facilitating Regulators and Investors Visits/Industry Partners –
- Support in study
- Assessment or Evaluation
- R&R; for the region
- Branch score card and its performance
- Cost expenditure analysis
- Department wise productivity analysis and keeping regional stats updated
- Product improvement: Connect with each Product and aware their improvement plan. Remedial plan of action for laggard products.
- SIZE OF THE ROLE
FINANCIAL SIZE NON-FINANCIAL SIZE
- NA
- NA
- KEY DUTIES &
RESPONSIBILITIES OF THE ROLE
Business/ Financials
- Industry Analysis and Competitor Study: Conducting a competitor study and industry analysis in partnership with sales and marketing team. Tracking the competitor closely and proposing key take away for Ujjivan.
- Business Planning and Budgeting: Preparing the long-term business plans,
business strategy, yearly business budget & forecasts in collaboration with the Business teams.
- Tracking of Business & Revenues: Publishing and analyzing relevant dashboards highlighting the performance of the business against the target/budget. Analyzing the performance of the different business units and highlighting the performers and non-performers. Assist business leaders in developing an action plan for the non-performers. Track revenues.
- Branch Profitability: Publish to regional leadership team the analysis on profitable/non-profitable verticals, branches etc.
Customer (Both Internal &
• External)
- In coordination with SQ, analyze on the top customer complaints & come up with POA for concerned dept/ cluster/ state
- Guide Operations, IT, Business teams for any needful actions to be undertaken pursuant to any new requirements / changes in existing requirements per law
- Analyze on customer satisfaction: Publish dashboard on key customer service indicators like TAT, FTNR, Error rate etc.
- Internal Process
- Exit clearance : Exit clearance of the exited employees through HR sathi
Internal Process
- Process Improvement: Understanding the current processes followed by the bank and suggest improvement to develop efficiency. Also developing and reviewing new business processes as per the strategic goals of Ujjivan.
- Cost Management and Cost Control:
Tracking the costs of various verticals against budget and performing the variance analysis. Also suggesting alternatives to optimize the costs incurred to improve profitability.
- Audit: Highlight on the defaulting departments with >90 days open issues in coordination with Audit.
- Vigilance: Coordinate with vigilance & share analysis on trend of snatching/ customer fraud/ staff fraud trend & recommend suitable action in coordination with concerned stakeholders
Innovation &
• Learning
- Coordinate & organize major meetings in the region- RLT, REC, state leader meeting. Publish minutes and keep track of open items
- Analyze GPTW score in the region in coordination with the HR & help execution of POA in coordination with RHR &
• REC
- Keep abreast with industry trend, highlight the key development in terms of product need or policy change
Act as SPOC for regional projects & initiatives
- MINIMUM REQUIREMENTS OF KNOWLEDGE &
SKILLS
Educational
Qualifications
- B. Com. or equivalent. MBA / PGDM preferred but not mandatory
Experience Range (Years And Core Experience Type)
- 0-1 Year
Certifications
- NA
Functional Skills
- Solid accounting/ financial background
- Expert in handling voluminous data & hands on experience with MS Office
Behavioral Skills
- Adequate analytical skills
- Keen learning ability
- Strong verbal and written communication
- Time Management skills
- Crisis Management skills
- Strong negotiation skills