Area Head- Branch Banking

Ujjivan Small Finance Bank

Coimbatore District

On-site

INR 1,200,000 - 1,800,000

Full time

4 days ago

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Job summary

Ujjivan Small Finance Bank is seeking an Area Head-Branch Banking to drive growth in the branch banking portfolio across the regional cluster. The role involves executing business plans, guiding Branch Managers, and coordinating with product and marketing teams to enhance brand presence and cross-sell opportunities.

The candidate should bring 10-15 years of banking experience, strong leadership, and a deep understanding of branch operations, risk controls, and customer-centric sales.

Qualifications

MBA or equivalent preferred for leadership roles.
10-15 years of banking experience in banking industry.
Experience in branch banking operations, sales and customer service.

Responsibilities

Drive growth of Branch Banking top-line in the cluster and meet targets.
Execute business plans; provide cluster inputs for company-wide planning.
Collaborate with product and marketing to drive branding in the cluster.
Recruit and motivate team; ensure regulatory compliance and controls.
Build dealer relationships and ensure profitable branch performance.

Skills

Manpower planning

Product knowledge

Customer engagement

Branch operations

Marketing & sales

Technical proficiency

Education

Any Graduate

MBA

Job 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

SIZE OF THE ROLE

POSITION DESCRIPTION

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

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

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.

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