Area Head- Branch Banking

Ujjivan Small Finance Bank; Krishnagiri District; On-site; INR 1,500,000 - 1,900,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking an Area Head-Branch Banking to drive branch banking growth across regional offices. You will lead a team, execute business plans, and coordinate with product and marketing to enhance branding and customer acquisition.

The role requires ensuring profitability, compliance, and high customer service standards across clusters. The incumbent should have 10–15 years in banking, a graduate degree (MBA preferred), and willingness to travel.

Qualifications

• Education: Graduate, preferably MBA.
• Experience: 10–15 years in the banking industry.
• Certifications: Optional.

Responsibilities

• Own the total liability incremental budget of the assigned cluster.
• Achieve fee targets for cross-sell products such as trade, forex, CMS, POS, TPP.
• Track cross-sell metrics (TPP, POS, QR, Payment Gateway, CMS, Net Banking, OD) to build value.
• Hire direct reportees as per the assigned manpower budget.
• Allocate targets based on market potential and branch manager capability to meet targets.
• Implement, supervise, and control the effectiveness of marketing events to drive growth.
• Ensure branches under control are profitable and meet compliance standards.

Skills

Manpower planning

Sales enablement

Product knowledge

Customer engagement

Branch operations

Marketing activities

Technical proficiency

Willingness to travel

Education

Graduate, MBA preferred

Job description

Job Title: Area Head-Branch Banking

Grade: AVP-II

Department: Branch Banking

Location: Regional Offices

Type of Position: Full-time

Reports to: State Head-Branch Banking

Role Purpose & Objective

• The incumbent would be responsible for growth of Branch Banking business top-line in the cluster under their control.
• Execution of business plans in their cluster and providing cluster‑specific inputs to Regional Head while shaping the overall Ujjivan‑wide Branch Banking plan.
• Understanding the market and competitor dynamics in the cluster and taking proactive measures to counter them.
• Working closely with product and marketing teams to drive suitable branding and marketing activities in the cluster.
• Recruiting and motivating a team to perform at optimum levels in the cluster.
• Ensuring operational controls in the branches from compliance and audit perspectives.
• Building and maintaining dealer relationships within the cluster.

Key Duties & Responsibilities

• Own the total liability incremental budget of the assigned cluster.
• Achieve fee targets for cross‑sell products such as trade, forex, CMS, POS, TPP.
• Track cross‑sell metrics (TPP, POS, QR, Payment Gateway, CMS, Net Banking, OD) to build value.
• Ensure product mix for high‑value variants and quality of acquisition.
• Hire direct reportees as per the assigned manpower budget.
• Allocate business targets on a periodic basis based on market potential and branch manager capability to meet and exceed cluster targets.
• Identify new areas to pursue and convince management to open business in new locations.
• Implement, supervise, and control the effectiveness of marketing events to achieve productivity and growth targets.
• Ensure all branches under control perform well in all aspects and earn profits.
• Meet top‑line existing customers of branches in the cluster and gather customer feedback.
• Make joint calls with Branch Managers to acquire high‑net‑worth / top customers.
• Maintain a customer service index above the benchmark in all branches.
• Ensure compliance with operational guidelines, quality framework, and audit requirements; resolve audit observations promptly.
• Maintain operational controls across all cluster branches.
• Keep competitors’ offers in mind and coordinate with the Product Team closely for implementation.
• Efficient staffing through timely recruitment and training.
• Daily/weekly/monthly monitoring of team performance to meet established targets and provide guidance and solutions.
• Ensure all team members are up to date on relevant circulars and products; conduct regular training.
• Adhere to training man‑days and mandatory training programs for self and reportees.
• Conduct goal‑setting, mid‑year review, and annual appraisal within specified timelines.
• Monitor staff performance against defined goals/metrics and take corrective action; manage discipline and attendance.

Minimum Requirements of Knowledge & Skills

• Education: Graduate, preferably MBA.
• Experience: 10‑15 years in the banking industry.
• Certifications: Optional.

Functional Skills

• Ability to deploy adequate manpower and drive sales performance.
• Product knowledge.
• Ability to engage with customers and cross‑functional departments.
• Process knowledge and understanding of Branch Banking operations.
• Plan and execute marketing and sales promotion activities.
• Adequate technical efficacy.

Behavioral Skills

• Training skills.
• Presentation skills.
• Strong verbal fluency and simple, clear language; ability to read/speak/write in regional language(s) desirable; English (read‑speak‑write) required.
• Willingness to travel and relocate.
• Performance orientation.

Competencies

• Planning & Organizing.
• Driving Execution.
• Building Partnerships.
• Delegation.

Key Interactions

Internal

• Regional HR Team
• Regional Credit Team
• Regional Audit Team
• Regional Admin Team
• Regional Collection Team
• Regional Operations Team
• Regional Admin Team

External

• Regional/National Product and Marketing Team
• Regional HR Team
• Regional Credit Team
• Regional Audit Team
• Regional Admin Team
• Regional Collection Team
• Regional Operations Team
• Cash Management Agencies
• BC Agencies
• ATM Vendors
• Competitors
• Community Forums
• RBI