Analyst, Cluster Head- Current Account, Consumer Banking Group

China, Beijing Branch; Coimbatore District; On-site; INR 1,600,000 - 2,200,000; Full time

Job summary

Unknown company seeks a leader to own cluster current-account growth, activation and value build across wholesale and business segments. You will translate targets into branch and team plans, manage the sales funnel and drive weekly performance rhythms.

You will coach a field-sales team, set disciplined cadences, develop cross-sell opportunities, and build ecosystems with accountants and trade networks to deepen wallet share while maintaining compliance and risk controls.

Responsibilities

• Deliver new-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster.
• Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments.
• Translate cluster targets into branch-, team- and individual-level productivity plans.
• Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.
• Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition.
• Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets.
• Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking.
• Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch.
• Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.
• Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.
• Ensure newly acquired accounts become transaction-active within defined activation timelines.
• Drive operating balances, inward credits, collections, payment activity and digital banking adoption.
• Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition.
• Build strategies to migrate primary transaction flows-collections, vendor payments, payroll, taxes and operating cash-to the bank.
• Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability.
• Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer's business model.
• Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep‑in / sweep‑out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions.
• Partner with product teams to convert business pain points into integrated propositions— for example, POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening.
• Build senior‑level relationships with anchor clients and participate in strategic joint calls for high‑value prospects.
• Ensure timely resolution of onboarding, account‑opening, transaction, service and digital‑banking issues.
• Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience.
• Review top customers and at‑risk accounts regularly to protect balances, transactions and wallet share.
• Drive customer retention through proactive engagement, problem solving and relevant product deepening.
• Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud‑risk and regulatory requirements.
• Maintain high standards of customer due diligence, documentation quality, source‑of‑funds understanding and business‑profile validation.
• Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escape prompt where needed.
• Build a culture of right‑first‑time acquisition, with no compromise on compliance for target achievement.
• Recruit, develop, retain and performance‑manage a high‑quality current‑account sales team.
• Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross‑sell, productivity, service quality and compliance.
• Conduct structured coaching through joint market visits, call observations, weekly reviews and capability‑building sessions.
• Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance.
• Maintain a strong talent pipeline and manage attrition proactively.

Job description

Key Responsibilities

Cluster Business Ownership

• Deliver new-to-bank current-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee-income targets for the cluster.
• Build and execute a catchment-led acquisition strategy for high-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments.
• Translate cluster targets into branch-, team- and individual-level productivity plans.
• Own the current-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.
• Improve portfolio quality by prioritising transaction-active, balance-building and cross-sell-ready relationships over dormant or low-value acquisition.

Sales Leadership and Channel Execution

• Lead, coach and motivate a field-sales organisation to consistently deliver acquisition and value-build targets.
• Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking.
• Ensure each relationship manager follows a profile-based sales approach rather than a generic product pitch.
• Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.
• Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.

Current-Account Activation and Value Build-Up

• Ensure newly acquired accounts become transaction-active within defined activation timelines.
• Drive operating balances, inward credits, collections, payment activity and digital banking adoption.
• Track early-warning indicators including low funding, non-activation, declining balances, low transaction velocity and potential attrition.
• Build strategies to migrate primary transaction flows-collections, vendor payments, payroll, taxes and operating cash-to the bank.
• Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability.

Solution-Led Cross-Sell

• Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer's business model.
• Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep‑in / sweep‑out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions.
• Partner with product teams to convert business pain points into integrated propositions— for example, POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening.

Customer Relationship and Service Governance

• Build senior‑level relationships with anchor clients and participate in strategic joint calls for high‑value prospects.
• Ensure timely resolution of onboarding, account‑opening, transaction, service and digital‑banking issues.
• Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience.
• Review top customers and at‑risk accounts regularly to protect balances, transactions and wallet share.
• Drive customer retention through proactive engagement, problem solving and relevant product deepening.

Risk, Compliance and Portfolio Quality

• Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud‑risk and regulatory requirements.
• Maintain high standards of customer due diligence, documentation quality, source‑of‑funds understanding and business‑profile validation.
• Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escape prompt where needed.
• Build a culture of right‑first‑time acquisition, with no compromise on compliance for target achievement.

People Leadership

• Recruit, develop, retain and performance‑manage a high‑quality current‑account sales team.
• Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross‑sell, productivity, service quality and compliance.
• Conduct structured coaching through joint market visits, call observations, weekly reviews and capability‑building sessions.
• Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance.
• Maintain a strong talent pipeline and manage attrition proactively.

Key Performance IndicatorsDimensionIllustrative KPIsAcquisitionNew-to-bank current accounts, high-value accounts, segment-wise acquisitionBalance GrowthAQB/AMB growth, activated accounts, value build‑up and balance retentionTransaction PrimacyInward credits, transaction‑active accounts and payment/collection volumesRevenueFee income, POS/QR reve