Manager-Current Account

• UPOSITION DESCRIPTION

JOB TITLE Manager-Current Account

GRADE : M

DEPARTMENT Branch Banking, TASC & TPP

LOCATION : Branch

SUB-DEPARTMENT Branch Banking

TYPE OF POSITION : Full-time

REPORTS TO BSM / Branch Manager (where ever BSM is not available)

REPORTING INTO

• ROLE PURPOSE & OBJECTIVE
• This role is responsible for acquiring new current account customers from the open market and cross-selling of products/services as per the profile & need of the customers.
• This role drives the current account business for the respective branch and ensure the CA targets for the branch is met.
• The incumbent provides service to NTB current account customers.
• This role also handles cross selling of QR & POS and is accountable for adherence to compliance and regulatory norms.
• SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE

• CA Numbers: 5 to 8 Current accounts (based on vintage)
• CA Values: 9 lacs to 15 lacs incr. CA value (based on vintage)
• TPP Wgt Premium: 0.40 lacs to 0.65 lacs (based on vintage)
• Current accounts, Saving Accounts, Term Deposits, Life insurance, Health/General Insurance, Dmat, Mutual Funds, SIP, ASBA etc
• KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meet the set targets on current account in terms of open market acquisition
• Focus on building the current account book for the bank
• Understand need and acquire customers who meet the criteria for liability products through either of the below channels:
• Leads generated by branch staff and personal leads
• Referrals generated from existing customers
• Alternate channels
• Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
• Accompany MSE staffs on the field for actively driving conversion of existing borrowing customers into liabilities customers
• Cross sell other products of Ujjivan such as QR, POS & TPP and pass on quality leads to respective MSE loan officers
• Share customer insights/product related feedback with the Branch Manager

Customers

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
• Reduce customer dormancy and customer attrition by continuous engagement / interaction
• Resolves the customer queries.

Internal Processes

• Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
• Strictly adhere & maintain compliance to KYC norms
• Drive the cross sell of other products such as QR, POS & TPP

Learning & Performance

• Maintain up to date knowledge of the liability products and services as well as a working knowledge of other products offered in the branch
• Ensure adherence to training man-days/ mandatory training programs for self
• Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational Qualifications

• Graduate, preferably in commerce and related streams

Experience (Years And Core Experience Type)

• Minimum 2-7 years of experience in retail branch banking (preferable in CA sales)

Certifications

• If required

Functional Skills

• Basic knowledge on retail banking products especially current account
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language

Behavioral Skills

• Courteous customer service skills
• Time Management
• Selling skills
• Telephonic cold calling 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
• KEY INTERACTIONS

INTERNAL EXTERNAL

• Business Teams
• Customers

PREPARED BY: Balaji Sriram DATE: 21-06-2025

REVIEWED BY Date

LAST UPDATED BY: TM Team DATE: 30 -06-2025