Area Head- Branch Banking

• POSITION DESCRIPTION
  
  

JOB TITLE : Area Head-Branch Banking

GRADE : AVP-II

DEPARTMENT : Branch Banking

LOCATION : Regional Offices

SUB-DEPARTMENT : NA

TYPE OF POSITION : Full-time

REPORTS TO : State Head-Branch Banking

REPORTING INTO

Branch Managers/Sr. Branch Managers

• ROLE PURPOSE & OBJECTIVE

• The incumbent would be responsible for growth of Branch Banking business top-line in the cluster under his / her control
• He / She would be responsible for execution of business plans in his/her cluster and providing cluster specific inputs to Regional Head while chalking out the business plan Ujjivan wide for Branch Banking
• The incumbent to understand the market and competitor dynamics in the cluster and take adequate response / proactive measures to counter
• Responsible for working closely with product and marketing team to drive suitable branding and marketing activities in his/her respective cluster.
• Responsible for recruiting and motivating team to perform at optimum levels in the cluster
• Responsible for Operational controls in the branches from the compliance and audit point of view
• Responsible for building and maintaining dealer relationships in the Cluster
• SIZE OF THE ROLE
  
  

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Owns the total liability incremental budget of the assigned Cluster.
• Responsible for achieving fee targets of cross-sell products like trade, forex, CMS, POS, TPP.
• Tracking the Cross sell TPP, POS, QR, Payment Gateway, CMS, Net Banking, OD etc. which helps in value build up.
• Ensure product mix for sale of high value variants & quality of acquisition.
• Hiring of direct reportees as per assigned manpower budget.
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE
  
  

Business

• Responsible for allocation of business targets on periodic basis market potential and capability of Branch Managers in the cluster, branch, with the objective to meet and exceed targets assigned for the cluster
• Identification of new areas to work and convincing management for starting business in new location
• Implementing, supervising and control effectiveness of marketing events with his/her team to reach the productivity and growth targets established.
• Ensure, supervise that all branches under his/her control are performing well in all aspects and earning profits.
  
  

Customer

• Meeting the top line existing customers of branches under his / her cluster
• Taking customer feedbacks on the products and services offered
• Making joint calls with the BMs while acquiring high net worth / top customers
• To make sure that the service index of customer service at all the branches under his/her control are above the benchmark.
  
  

Internal process

• Ensure compliance with operational guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence audit and other regulations.
• Ensure that the operational controls are in place in all the branches under his cluster.
• Knowing what competitors are offering in the market and aligning the company by close coordinating with Product Team for implementation
  
  

Learning & Performance

• Efficient staffing by timely recruitment & training
• Daily/ Weekly /Monthly monitoring of team performance leading to the accomplishment of numbers according to the annual/monthly targets established for the area and branches under his/her responsibility to provide guidance and solutions to his/her team as required
• Ensure that all members of his team are up to date on all relevant circulars and all products/services offered in the Branch; Impart regular training as required
• 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 of the team
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS
  
  

Educational

Qualifications

• Any Graduate , preferably MBA
  
  

Experience

• 10-15 years in Banking Industry
  
  

Certifications

• Optional
  
  

Functional Skills

• Ability to deploy adequate manpower and drive sales performance.
• Product knowledge
• Ability to engage with customers & cross functional departments
• Process knowledge and knowledge of Branch Banking operations
• Plan & execute Marketing and Sales Promotion Activities
• Adequate Technical Efficacy.
  
  

Behavioral Skills

• Training Skills
• Presentation Skills
• Ability to speak and read regional language(s)- is desirable. Ability to communicate in English (Read-speak-write) is required. Has good verbal fluency and uses simple, clear and purposeful language.
• Willingness to travel & relocation
• Performance oriented
  
  

Competencies

• Planning & Organizing
• Driving Execution
• Building Partnerships
• Delegation
• KEY INTERACTIONS
  
  

INTERNAL

EXTERNAL

• Regional/National Product and Marketing Team
• Regional HR Team
• Regional Credit Team
• Regional Audit Team
• Regional Admin Team
• Regional Collection Team
• Regional Operations Team
• Cash Management agencies
• BC agencies
• ATM vendors
• Competitors
• Community forums
• RBI
  
  

PREPARED BY: Jyothi Mohan

DATE: 23 rd Feb 2023

REVIEWED BY: Jyothi Mohan

DATE: 23 rd Feb 2023

LAST UPDATED BY: Learning & TM Team

DATE: 27 th Feb 2023