What you will do:

Branch Management:

❖ Ensure overall branch profitability and performance in alignment with organizational strategy.

❖ Distribute functional responsibilities among branch employees effectively, considering abilities, workload, and past experience.

❖ Oversee maintenance of branch ambience as per Head Office/Zonal Office guidelines.

❖ Ensure adherence to bank policies, guidelines, systems, and procedures.

❖ Monitor and minimize all types of branch expenses without sacrificing quality.

❖ Liaise with local authorities, government departments, and key clients for smooth branch operations.

What you will do:

Business Planning and Operations:

❖ Collaborate on developing the branch's business plan aligned with organizational strategy.

❖ Plan and oversee branch operations, including administration, infrastructure, facilities, and security.

❖ Assume leadership responsibilities in the absence of the Branch Manager, ensuring continuity of operations.

❖ Manage key branch activities such as cash management, stationery procurement, and inventory control.

❖ Ensure efficient single-window operations and oversee day-to-day operations management.

Customer Relationship Management:

❖ Cultivate and maintain relationships with key clients, high net worth individuals, and other stakeholders.

❖ Provide personalized service to walk-in customers and key clients, addressing their banking needs effectively.

❖ Support exceptional customer service, promptly resolving escalated issues and ensuring customer satisfaction.

❖ Collaborate with the Branch Operations Executive to proactively cross-sell bank products based on customer needs.

Operations Oversight and Compliance:

❖ Ensure adherence to banking regulations, quality standards, and audit requirements to maintain compliance.

❖ Oversee compliance with Know Your Customer (KYC), Anti-Money Laundering (AML), and other regulatory protocols.

❖ Assist in managing external and internal audit processes, ensuring timely follow-up and rectification of findings.

❖ Authorize branch processes and activities as required, maintaining operational integrity and security.

Staff Development and Management:

❖ Support staff training and development initiatives, ensuring alignment with career paths and individual training needs.

❖ Provide coaching and mentoring to enhance employee performance, productivity, and professional growth.

❖ Ensure all branch staff are up-to-date on relevant policies, circulars, and product updates.

❖ Manage staffing levels to meet operational requirements, ensuring adequate coverage during peak times.

❖ Foster a high level of employee engagement and retention of key performers through effective leadership and communication.

Reporting and Coordination:

❖ Liaise with operations and teams at the Head Office to ensure functional objectives and targets are met.

❖ Coordinate below-the-line (BTL) activities at the branch in alignment with marketing and sales strategies.

❖ Generate regular reports on branch performance, including financial metrics, customer service indicators, and compliance status.

What you will do:

Overall Branch Management

❖ Efficiently manage single window transaction counters for cash, cheque, and DD transactions, ensuring smooth operations.

❖ Attend to branch walk-in customers promptly, addressing their queries and concerns in a timely manner.

Customer Service & Operations

❖ Cultivate and maintain relationships with key customers and potential high-net-worth clients to foster business growth.

❖ Deliver exceptional customer service, actively promoting and selling bank products tailored to customer needs.

❖ Promptly resolve escalated customer issues, adhering to established guidelines and procedures.

❖ Monitor key performance indicators related to customer service, such as wait times and customer migration, and take necessary corrective actions.

What you will do:

❖ Identify and prospect potential customers to expand the customer base and increase deposit accounts.

❖ Develop and implement strategies to promote deposit products and achieve sales targets.

❖ Actively seek out new sales opportunities through methods such as cold calling, networking, and social media.

❖ Build and maintain strong relationships with existing customers, providing personalized financial advice and guidance.

❖ Conduct customer needs assessments to identify opportunities for cross-selling and upselling deposit products.

❖ Educate customers on the features and benefits of deposit products, addressing any inquiries or concerns they may have.

❖ Monitor customer accounts and proactively reach out to address any issues or opportunities for additional services.

❖ Collaborate with internal departments, such as marketing and product development, to enhance deposit product offerings and promotions.

❖ Stay informed about industry trends, competitor activities, and regulatory changes affecting deposit products and services

What you will do:

❖ Identify, evaluate, and onboard lending bodies, ensuring alignment with organizational goals and objectives.

❖ Supervise and guide formed groups, providing training and support to enhance their financial management skills.

❖ Conduct comprehensive field visits and door-to-door interactions to assess loan utilization and provide necessary guidance to borrowers.

❖ Evaluate the performance of non-performing loans, develop recovery strategies, and take proactive measures to minimize losses.

❖ Manage loan disbursements, ensuring compliance with internal policies and procedures.

❖ Oversee the collection of loan installments at designated centers and issue receipts to clients for documentation purposes.

❖ Collaborate with internal stakeholders, including Branch Managers and Credit Officers, to streamline processes and optimize loan recovery efforts.

❖ Develop and implement financial literacy programs for client groups, focusing on budgeting, savings, and debt management.

❖ Monitor client group’s progress towards financial independence and provide ongoing support as needed to ensure their success.