Area Manager-Branch Banking Operations

Ujjivan Small Finance Bank

Chennai

On-site

INR 1,500,000 - 2,500,000

Full time

2 days ago

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Job summary

Ujjivan Small Finance Bank Ltd. in India seeks an Area Manager-Branch Banking Operations (AVP-I) to provide regional oversight of branch-level operations and regulatory filings.

The role requires implementing the regional strategy, ensuring compliance, and guiding operations teams across multiple branches. The successful candidate will monitor performance, coordinate with regional leaders, manage vendors, and drive process improvements to support business goals while maintaining high customer

Qualifications

Graduate in Commerce/Business/Economics with strong analytical skills and banking operations experience.
Post-graduate qualification is preferred.
10-12 years of banking operations experience with 3-5 years in branch operations and 3+ years of managerial responsibilities.

Responsibilities

Prepare a regional operational strategy and implement it across Branch Banking/ Rural Banking regions.
Monitor regulatory filing and compliance for the region's branches.
Review policies based on regional insights and propose changes for implementation.
Monitor branch performance and ensure adherence to operational scorecards.
Coordinate with regional heads to resolve escalations and improve operations.

Skills

Analytical skills

Interpersonal skills

Problem solving

Customer service orientation

Detail and quality orientation

Banking operations knowledge

Regulatory compliance awareness

Vendor management

Education

Graduate in Commerce/Business/Economics

Post-graduate qualification

Tools

Core Banking System

Job description

POSITION DESCRIPTION

JOB TITLE : Area Manager-Branch Banking Operations

GRADE : AVP-I

DEPARTMENT : Operations

LOCATION : RO

SUB-DEPARTMENT : TYPE OF POSITION : Full-time

REPORTS TO : Regional Manager-Branch Banking Operations

REPORTING INTO

ROLE PURPOSE & OBJECTIVE

The purpose of this role is to provide the regional oversight for all operational activities that are required for successful banking business at the branch level, as outlined by the business and operational leadership team.

This role is accountable for all regulatory filing related to operations at the branch level and to maintain efficient operations that will enable delivery of business goals.

This role is also responsible to –

implements and monitors branch operations strategy for the region
maintain 100% regulatory and process compliance at branches for the region
monitor branches operations team’s performance as per the defined checklist and defined frequency.
provide guidance for process improvement and communicate updates on new processes/system.
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Maintain approved budget for the unit.
Vendors management
Coordination with respective Regional Ops unit.
Monitoring 20-25 Branches and supporting them for all operational and service related issues.

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Prepare a regional operational strategy, under the guidance of the Regional Operations Manager and National Manager – Branch Operations.
Implement strategy in their respective Branch Banking/Rural Banking Regions, monitor the same at defined periodicity and publish the complete report to senior management.
Review all the policies and guidelines based on regional operational insights, identify any policy change required for the department, assess the impact and present a solution to supervisor for fix and implementation.
Monitor the branches with respect to process adherence, perform surprise checks and identify the gaps.
Prepare periodic reports and correct fixes based on branch visits
Drive adherence to the branch operational score card, train the branches on the same and ensure the branches are above the required benchmark
Identify branches under operational benchmark and recommend solutions to respective supervisors
Collaborate with Branch managers / RSMs / AMs to ensure implementation of all operational checks, implement all policies/processes shared by central team.
Implement approved operations policies and processes;
Monitor key operational aspects such as Branch Cash Retention Limits and conduct cost analysis of account with high cash deposits.
Work with RSMs / AMs to resolve critical issues and process improvements based on Audit Reports and Compliance feedback
Monitor timely submission of data and documentation related to various operational and related business activities such as account opening

Customer- Branch Banking/Rural Banking

Analyze Service Index scores at the regions periodically and identify the related process bottlenecks
Recommend solutions to key operational issues that result in delay of agreed customer TATs
Monitor the account opening TATs, percentage of pending forms across branches
Train branch operations’ team on operational efficiency and courteous customer service
Monitory and analyze ATM usage data and ensure ATM uptime and cash availability.
Resolve escalations pertaining to ATM downtime; cash reconciliation and customer grievances
Identify patters and review existing process to suggest changes to enhance customer experience at Branch
Monitor adherence to TAT for all branches transaction, grievance redressal and customer queries

Internal Process- Branch Banking/Rural Banking

Oversee management of Branch GL accounts in the system;
Ensure proper document tracking is done for all physical documents processed from the Branches.
Ensure adherence to timelines for branch level risk and compliance reporting across all branches in respective region.
Process level Gaps/Issues/Audit findings – Accountable for the timely follow-up and closure of issues raised in Audit and design action plan for minimizing similar lapses
Closely work with Regional Operations Manager to ensure delivery within SLA
Liaison with regional heads for resolving escalations and thus ensure seamless branch operations
Perform the monthly operational & compliance review of all branches which are rated Unsatisfactory and Needs Improvement.
Monitor responses and adherence by branches on internal compliance monitoring tool and drive 100% adherence
Monitor end of day reconciliation for branches for the region and correct discrepancies
Monitor branch compliance to KYC and AML guidelines and timely reporting of respective region.
Identify patterns of process non-adherence at branches and ensure closure and adherence with suitable training and coaching.
Responsible for timely follow-up and closure of issues raised during branch audits and design action plans to minimize repetitive incidents

Learning & Performance

Perform training needs to branch resources jointly with regional leadership and HR team. Prepare a plan and training calendar, implement across branches and review them periodically. Publish the report to senior management. Guide/train the team on Process, Compliance and Update on Changes
Develop an action plan for low performance branches to ensure higher process compliance
Ensure adherence to training man-days/ mandatory training programs and recommend identify new areas for training & development for self and team
Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reportees.

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Graduate in Commerce/Business/Economics or related subjects with good analytical skills and experience in banking operations
Post-graduate qualification is preferred.

Qualifications

Graduate in Commerce/Business/Economics or related subjects with good analytical skills and experience in banking operations
Post-graduate qualification is preferred.

Experience (Years and Core Experience Type)

10-12 years of experience in banking operations, with 3-5 years of experience in branch operations, including at least 3 years in position of progressively increasing managerial responsibilities.

Certifications