Branch Manager Branch Banking

AU SMALL FINANCE BANK; Srinagar; On-site; INR 1,200,000 - 1,800,000; Full time

Job summary

AU Small Finance Bank Limited in Srinagar seeks a Branch Manager to lead overall branch operations, customer service, and retail product marketing. The role focuses on driving growth by achieving targets in book size, yield, and fee income while ensuring high customer quality.

The candidate will drive CASA book growth, manage branch sales, deepen relationships with retail customers, and plan cross-sell strategies.

Qualifications

• 6–7 years of experience in BFSI/banking sector.
• Experience as Manager/Sr. Manager in banking.
• Knowledge of KYC, AML and regulatory compliance.
• Knowledge of cross-selling techniques and product positioning.
• Proficiency in core banking systems and transaction processing.
• Excellent customer service and sales orientation.

Responsibilities

• Drive CASA book growth, yield, fee income, and business quality targets.
• Manage branch sales and service environment effectively.
• Build and deepen relationships with retail customers.
• Plan and execute cross-sell strategies and improve sales productivity.
• Lead local sales campaigns and promotions.
• Foster a customer-centric culture that ensures high engagement and satisfaction.
• Coordinate with BOSM and team leaders to drive business growth.
• Oversee daily branch operations including vault, ATM, teller, and customer service functions.
• Ensure adherence to Business TAT and recommend cases beyond DOP to higher authorities.
• Maintain knowledge of all bank products and support new product rollouts.
• Monitor and control branch expenses and acquisition costs.
• Ensure ethical practices in customer acquisition and servicing.
• Track weekly branch performance and business progress.
• Plan manpower, conduct appraisals, and manage staff motivation and retention.
• Develop alternate channels for CASA sourcing and customer acquisition.
• Train branch staff regularly on products and competition.
• Support employee engagement, job satisfaction and team commitment to service.

Skills

Professional Communication

Relationship Management

Business tact & Negotiations

Job description

Group Company: AU Small Finance Bank Limited

Designation: Branch Manager Branch Banking

Office Location: Hari Singh Street Srinagar

Position description: Lead overall branch operations, customer service, and retail product marketing. Drive business growth by achieving targets in book size, yield, fee income, and customer quality.

Primary Responsibilities

• 1. Drive CASA book growth, yield, fee income, and business quality targets. 2. Manage branch sales and service environment effectively. 3. Build and deepen relationships with retail customers. 4. Plan and execute cross-sell strategies and improve sales productivity. 5. Lead local sales campaigns and promotions. 6. Foster a customer-centric culture that ensures high engagement and satisfaction.

Additional Responsibilities

• 1. Coordinate with BOSM and team leaders to drive business growth. 2. Oversee daily branch operations, including vault, ATM, teller, and customer service functions. 3. Ensure adherence to Business TAT and recommend cases beyond DOP to higher authorities. 4. Maintain knowledge of all bank products and support new product rollouts. 5. Monitor and control branch expenses and acquisition costs. 6. Ensure ethical practices in customer acquisition and servicing. 7. Track weekly branch performance and business progress. 8. Plan manpower, conduct appraisals, and manage staff motivation and retention. 9. Develop alternate channels for CASA sourcing and customer acquisition. 10. Train branch staff regularly on products and competition. 11. Support employee engagement, job satisfaction, and team commitment to service.

Reporting Team

• Reporting Designation:
• Reporting Department:

Educational Qualifications Preferred

• Category:
• Field specialization:
• Degree:
• Academic score:
• Institution tier:

Required Certification/s

Required Training/s:

Required Work Experience

• Industry: BFSI/Banking Industry
• Role: Manager/Sr. Manager
• Years of experience: 6 to 7

Key Performance Indicators:

CASA Book Growth, Fee-Based Income Achievement, Sales Productivity, Customer Satisfaction Score (CSAT), Business Turnaround Time (TAT), Staff Retention Rate, Compliance Adherence Score, Audit Rating, Cross-Sell Ratio, Employee Training Completion Rate, Customer Acquisition Cost, Branch Expense Management

Required Competencies:

1. Strong analytical and problem-solving skills 2. Excellent written and verbal communication 3. Effective people management and team leadership 4. Attention to detail and ability to identify early warning signals 5.Hardworking, detail-oriented, and focused on integrity 6. Growth-driven with industry awareness 7. Customer-focused with a commitment to teamwork 8. Ability to nurture talent and foster development

Required Knowledge:

1. Strong understanding of banking products, services, and front-end operations. 2. Knowledge of KYC, AML, and regulatory compliance. 3. Familiarity with customer grievance handling and service quality standards. 4. Basic knowledge of cross-selling techniques and product positioning. 5. Proficiency in core banking systems and transaction processing.

Required Skills:

1. Professional Communication - Regional language proficiency, verbal and written fluency, soft-spoken 2. Relationship Management - Client-Centric Approach, respectful 3. Business tact & Negotiations - resolving Conflict

Required Abilities

• Physical: 1. Physical fitness 2. Mental agility 3. Ability to do extensive work 4. Ability to handle work pressure and demanding clients
• Other: NA

Work Environment Details:

90% - Office, 10% - Field

Specific Requirements

• Travel: Low
• Vehicle: NA
• Work Permit: NA

Other Details

• Pay Rate: NA
• Contract Types: Permanent
• Time Constraints: Flexibile workhours as per business requirement
• Compliance Related: 1. Aherence to Code of Conduct policy of the bank 2. Non-disclosure of confidential information about bank, clients 3. Responsible handling of bank assets s.a. ID Card, SIM, Marketing material, digital devices, Receipt book etc.Ensure adherence to all regulatory guidelines, bank policies, and code of conduct. Coordinate and liaise with regulatory bodies and relevant external organizations. Address critical issues and potential risks promptly and transparently. Maintain a high standard of compliance across all branch functions.
• Union Affiliation: