Job Role and Responsibilities :

- Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives

- Enhance and contribute in the growth of the company through Business Development

- Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation

- Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship

- Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) -wise

- Weekly/monthly reviews for outbound and as well as for inbound sales

- Prepare and review monthly activity calendar of outbound activities for BSM/SOs on a weekly basis.

- Ensure proper on-boarding of all new customers acquired

- Cross-sell of products (i.e. sales of 3 products per customer within 90 days of account opening) with new and as well as with existing customers

- Conduct daily morning huddles to discuss daily plan and agenda for employees

- Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and thus, daily business generation

- Maintain customer relationship through sourcing and on-boarding process

- Monitor DSR (Daily Sales report) on a regular basis

- Manage leads through SFA (software used for entering the generated leads)

- Segment the customer within the catchments of the branch to increase the Journal-Ledger base of the branch

- Capability building and manpower management

- Mentor/Guide new joinees as well as existing branch employees

- Brief employees on their role and expectations from them

- Provide timely feedback to employees on a regular basis (structured feedback)

- Conduct workshops and training programs for the employees

Deliverables :

- Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Gold etc.

- Maintain a healthy asset and liability book i.e., Journal Ledger growth

- Customer Service:

a) Manage key branch relationships

b) Ensure wait time within permissible limits as per segmental service approach

c) Achieve customer service index scores target

d) Ensuring no escalations at branch and complaint handling

Compliance and Risk Management :

a) Ensure operations, risk control and process adherence at branches

b) Ensure RBI audits, inspections

c) Maintain branch audit scores

Branch Profitability :

a) Ensure Growth in NII (Net Interest Income) for branch

b) Increase fee income

c) Ensure OPEX optimization (to reduce operational cost)

d) Manage cost of cash holding at branch

Brand Administration:

a) Adhere to standardized branch guidelines

b) Upkeep and maintain the branch (spic and span adherence to FIVE S norms)

c) Ensure availability of necessary infrastructure in branch

Skills and Competencies :

Analytical Skills

- Good Communication Skills

- Knowledge and understanding of banking products and services

- Strong network within and outside the branch

- Current-Account Knowledge

- Team handling skills

Educational Qualifications: Graduate / Post Graduate

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