Area Head -FI-and GB liabilities

• POSITION DESCRIPTION
  
  

JOB TITLE Area Head-FI and GB Liabilities GRADE M

DEPARTMENT NORTH LIABILITIES LOCATION #*Current Office Location*#

SUB-DEPARTMENT NA TYPE OF POSITION Full-time

REPORTS TO #*Reporting Designation*# REPORTING INTO NA

ROLE PURPOSE & OBJECTIVE

The role involves leading and managing the financial inclusion (FI) and general banking (GB) liabilities portfolio within the North Liabilities department of Ujjivan Small Finance Bank. The incumbent will be responsible for driving growth, ensuring compliance, and optimizing the liabilities products to meet the bank's strategic objectives. This position requires a seasoned banking professional with extensive experience in retail liabilities, deposit mobilization, and team leadership to enhance the bank's market presence and profitability in the designated region.

SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE

Not Applicable Not Applicable

Key Duties And Responsibilities Of The Role

• Develop and execute strategies to grow the financial inclusion and general banking liabilities portfolio in the North region.
• Lead, mentor, and manage a team of branch managers and sales officers to achieve set targets for deposit mobilization and customer acquisition.
• Ensure compliance with regulatory guidelines and internal policies related to liabilities products and services.
• Analyze market trends and competitor activities to identify opportunities for product innovation and improvement.
• Collaborate with product, risk, and operations teams to streamline processes and enhance customer experience.
• Monitor portfolio quality, manage risks associated with liabilities, and implement corrective actions as needed.
• Prepare and present regular reports on liabilities performance, market share, and growth initiatives to senior management.
• Drive customer engagement initiatives to increase retention and cross-selling of banking products.
• Coordinate with marketing and digital teams to promote liabilities products through various channels.
• Ensure effective implementation of financial inclusion initiatives aligned with the bank's mission and regulatory requirements.
  
  

Educational Qualifications

MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS

• Bachelor's degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum 8-10 years of experience in banking with a focus on retail liabilities, financial inclusion, and team leadership roles.
  
  

Experience #*Education and Experience*#

Certifications #*Required Certification/s*#

Functional Skills

• Retail Liabilities Management
• Financial Inclusion Strategies
• Team Leadership and Development
• Regulatory Compliance in Banking
• Deposit Mobilization Techniques
• Market Analysis and Competitor Benchmarking
• Risk Management in Liabilities
• Stakeholder Communication
• Portfolio Performance Monitoring
• Customer Relationship Management (CRM)
• Product Development and Innovation
• Data-Driven Decision Making
  
  

Behavioural Skills

• Retail Liabilities Management
• Financial Inclusion Strategies
• Team Leadership and Development
• Regulatory Compliance in Banking
• Deposit Mobilization Techniques
• Market Analysis and Competitor Benchmarking
• Risk Management in Liabilities
• Stakeholder Communication
• Portfolio Performance Monitoring
• Customer Relationship Management (CRM)
• Product Development and Innovation
• Data-Driven Decision Making
  
  

Competencies Required #*Competencies*#