Area Head -FI-and GB liabilities

Ujjivan Small Finance Bank Ltd.; Dehradun; On-site; INR 3,500,000 - 6,000,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a senior professional to lead financial inclusion and general banking liabilities in the North Liabilities department. You will drive growth, ensure compliance, and optimize liabilities products to meet strategic objectives.

The role requires 8-10 years of retail liabilities experience, team leadership, deposit mobilization, and collaboration with product, risk, and operations to enhance market presence and profitability in the northern region.

Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field.
• MBA or equivalent postgraduate qualification preferred.
• 8-10 years of banking experience with focus on retail liabilities, financial inclusion, and leadership.

Responsibilities

• Develop and execute strategies to grow FI and GB liabilities in the North region.
• Lead and mentor branch managers and sales officers to meet deposit targets.
• Ensure regulatory and internal policy compliance for liabilities products.
• Analyze market trends and competitor activity for product innovation.
• Collaborate with product, risk, and operations to streamline processes.
• Monitor portfolio quality and manage liabilities-related risks.
• Prepare reports on liabilities performance and growth initiatives.
• Drive customer engagement to boost retention and cross-sell banking products.
• Coordinate with marketing and digital teams to promote liabilities offerings.
• Implement FI initiatives aligned with regulatory requirements.

Skills

Retail Liabilities Management

Financial Inclusion Strategies

Team Leadership and Development

Regulatory Compliance in Banking

Deposit Mobilization Techniques

Market Analysis and Competitor Bench

Risk Management in Liabilities

Stakeholder Communication

Portfolio Performance Monitoring

Customer Relationship Management (CRM)

Product Development and Innovation

Data-Driven Decision Making

Education

Bachelor's degree in Finance, Business Administration, or a related field

MBA or equivalent postgraduate qualification

Job description

The role involves leading and managing the financial inclusion (FI) and general banking (GB) liabilities portfolio within the North Liabilities department of Ujjivan Small Finance Bank. The incumbent will be responsible for driving growth, ensuring compliance, and optimizing the liabilities products to meet the bank's strategic objectives. This position requires a seasoned banking professional with extensive experience in retail liabilities, deposit mobilization, and team leadership to enhance the bank's market presence and profitability in the designated region.

SIZE OF THE ROLE

FINANCIAL SIZE NON-FINANCIAL SIZE

Not Applicable Not Applicable

KEY DUTIES AND RESPONSIBILITIES OF THE ROLE

• Develop and execute strategies to grow the financial inclusion and general banking liabilities portfolio in the North region.
• Lead, mentor, and manage a team of branch managers and sales officers to achieve set targets for deposit mobilization and customer acquisition.
• Ensure compliance with regulatory guidelines and internal policies related to liabilities products and services.
• Analyze market trends and competitor activities to identify opportunities for product innovation and improvement.
• Collaborate with product, risk, and operations teams to streamline processes and enhance customer experience.
• Monitor portfolio quality, manage risks associated with liabilities, and implement corrective actions as needed.
• Prepare and present regular reports on liabilities performance, market share, and growth initiatives to senior management.
• Drive customer engagement initiatives to increase retention and cross-selling of banking products.
• Coordinate with marketing and digital teams to promote liabilities products through various channels.
• Ensure effective implementation of financial inclusion initiatives aligned with the bank's mission and regulatory requirements.

MINIMUM REQUIREMENTS OF KNOWLEDGE AND SKILLS

Educational Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field; MBA or equivalent postgraduate qualification preferred.
• Minimum 8-10 years of experience in banking with a focus on retail liabilities, financial inclusion, and team leadership roles.

Functional Skills

• Retail Liabilities Management
• Financial Inclusion Strategies
• Team Leadership and Development
• Regulatory Compliance in Banking
• Deposit Mobilization Techniques
• Market Analysis and Competitor Benchmarking
• Risk Management in Liabilities
• Stakeholder Communication
• Portfolio Performance Monitoring
• Customer Relationship Management (CRM)
• Product Development and Innovation
• Data-Driven Decision Making

Behavioural Skills

• Retail Liabilities Management
• Financial Inclusion Strategies
• Team Leadership and Development
• Regulatory Compliance in Banking
• Deposit Mobilization Techniques
• Market Analysis and Competitor Benchmarking
• Risk Management in Liabilities
• Stakeholder Communication
• Portfolio Performance Monitoring
• Customer Relationship Management (CRM)
• Product Development and Innovation
• Data-Driven Decision Making