Branch Manager

Job Description

• I. ROLE PURPOSE & OBJECTIVE
• This role is responsible for driving the entire business targets for liabilities assigned to the branch; Manage exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements; Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivans products and services; Oversee branch operations, cash management and service quality; work closely with product and marketing teams to drive campaigns at their branches. The incumbent monitors daily performance of branch staff and manages a team of 5 to 7 employees. This role is applicable only to Gold & Silver Branches.
• II. SIZE OF THE ROLE
• FINANCIAL SIZE NON-FINANCIAL SIZE
• Entire liability target for the branch CASA Book as per the branch TASC Book as per the branch BB-FIG Book as per the branch Segment wise book (NR, Senior Citizen, HNI etc) as per the branch
  • Number target for all the respective products.
  • CA
  • SA
  • TASC
  • Snr Citizen
  • HNI
  • NR
• III. KEY DUTIES & RESPONSIBILITIES OF THE ROLE
• Business Implement branch specific marketing & communication strategies to continuously strengthen the Ujjivan brand. This role is responsible for driving the entire business targets for liabilities assigned to the branch. Manage exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements Focus on retaining existing customers, increasing the customer base and cross-selling Ujjivans products and services Oversee branch operations, cash management and service quality; work closely with product and marketing teams to drive campaigns at their branches. Monitor daily performance of branch staff. To manage a team of 5 to 7 employees. Cascade targets the branch targets to the respective staffs and ensure achievement is tracked through periodic reviews. Ensure all deferrals taken are cleared within the specific period. Monitor the overall portfolio of the branch; ensure adherence to compliance and regulatory norms are met.Customers Ensure customers are educated about all products/services offered by Ujjivan Ensure courteous customer service is offered to customers by the branch staff Reduce customer attrition by guiding CCR(s) on exit interviews, customer engagement programs etc. Lead customer connect initiatives in the branch vicinityInternal Process Oversee and ensure efficiency in branch/ATM operations through adherence to TAT for various internal and customer end processes; drive utilization of alternate channels Ensure compliance with banking guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence,ensure compliance with Know Your Customer (KYC), Anti- Money Laundering (AML), audit and other regulations & applicable laws in the branch Monitor, control & minimize all expenses in the Branch, such as telephone, consumption of stationery, computer consumables, electricity and other overheads without sacrificing quality Oversee accurate cash management and tallying of accounts in the system through the Cashier Accountable for branch safety including security of cash/vault etc. Learning & Performance Ensure that all members of the Branch staff are up to date on all relevant circulars and all products/services offered in the Branch Ensure adherence to training man-days/ mandatory training programs for self and reportees Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring for liabilities sales team and branch operations team Coordinate with state HR on people related matters; support branch activities to foster teamwork and continuously make Ujjivan a great place to work Ensure coordination between staff of different teams, to build a collaborative spirit and shared sense of purpose (which could also enable cross-sell and overall target achievement)
• IV. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
• Educational Qualifications Graduate in Commerce/Business/Economics or related subjects. PGDM/ MBA from a Tier 2 or 3 college preferred
• Experience Should have overall experience of 7-12 Years in core banking sales with good knowledge of banking products and regulatory requirements in banking/micro-finance. Should have worked as a Branch Manager for at least 1-2 years.
• Certifications
• Functional Skills Sales & marketing skills across multiple products. Should have managed a deposit book of 25 to 75 Cr. Knowledge on liabilities products & unsecured loans products Knowledge of basic accounting and finance administration Analytical skills Process & Compliance Orientation: Knowledgeable on KYC norms/guidelines for liabilities & unsecured loans
• Behavioral Skills Managing Customer Relations and excellent service orientation and relationship management skills Communication Skills - fluent in the local language & English Ability to manage teams and drive performance. Should have managed a team of 7 to 15 staff. Achievement/Performance oriented Product knowledge Training Skills Willingness to travel & relocation as per business requirements and career opportunities
• Competencies Planning and Organizing Customer Focus Managing Relationships Driving Execution Collaborating Coaching Business Acumen Influencing

Keyskills :
drivingcustomer focusorganizingexecutionplanningrelationshipscollaborating