Branch Manager - Retail Branch Banking

SkillLabs; Shaheed Bhagat Singh Nagar; On-site; INR 800,000 - 1,200,000; Full time

Job summary

SkillLabs is seeking a Branch Manager to lead and run a full-service bank branch as a profit centre. You will manage revenues, operations, compliance, and team performance while driving customer satisfaction and business growth.

Ideal candidates have prior branch management experience and strong skills in portfolio management, compliance, and staff leadership to achieve CASA, deposits, loans, and fee-based income targets.

Qualifications

• Analytical skills to evaluate branch performance and customer data.
• Strong communication skills for client interactions and coaching staff.
• Knowledge of banking products and services to cross-sell effectively.
• Wide network within and outside the branch to drive business growth.
• Understanding of current-account products and related operations.
• Experience in leading and mentoring a team to meet targets.

Responsibilities

• Administration and daily operation of a full-service branch, including lending, product sales, customer service, and security.
• Grow the business through proactive business development and client acquisition.
• Provide exceptional customer relations and promote sales/service culture via coaching and motivation.
• Achieve branch sales goals through new business, referrals and account retention.
• Monitor branch budgets, products (liability, assets, fees) and overall performance.
• Lead weekly/monthly reviews and onboard new customers efficiently.
• Cross-sell products to new and existing customers and manage CRM leads.
• Mentor new joinees and guide existing staff; conduct trainings as needed.

Skills

Analytical Skills

Good Communication Skills

Banking Products Knowledge

Strong Network

Current-Account Knowledge

Team Handling

Job description

In this profile you will manage the assigned branch & run it as a profit centre by managing the revenues & operations as per the compliances. Handle branch operations & work on per client revenue by targeting TPP X-selling, Liability Acquisition.

Required Candidate Profile

Prior experience as branch manager will be an add on. Rich experience in client acquisition, portfolio management, compliance management & team handling.

Job Role And Responsibilities

• Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives
• Enhance and contribute in the growth of the company through Business Development
• Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation
• Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
• Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) wise
• Weekly/monthly reviews for outbound and as well as for inbound sales
• Prepare and review monthly activity calendar of outbound activities for RM,BSM/SOs on a weekly basis.
• Ensure proper on-boarding of all new customers acquired
• Cross-sell of products with new and as well as with existing customers
• Conduct daily morning huddles to discuss daily plan and agenda for employees
• Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and thus, daily business generation
• Maintain customer relationship through sourcing and on-boarding process
• Monitor DSR (Daily Sales report) on a regular basis
• Manage leads through CRM (software used for entering the generated leads)
• Segment the customer within the catchments of the branch to increase the Journal-Ledger base of the branch
• Capability building and manpower management
• Mentor/Guide new joinees as well as existing branch employees
• Brief employees on their role and expectations from them
• Provide timely feedback to employees on a regular basis (structured feedback)
• Conduct workshops and training programs for the employees

Deliverables

Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Gold etc.

Maintain a healthy asset and liability book i.e., Journal Ledger growth

Customer Service

• Manage key branch relationships
• Ensure wait time within permissible limits as per segmental service approach
• Achieve customer service index scores target
• Ensuring no escalations at branch and complaint handling

Compliance And Risk Management

• Ensure operations, risk control and process adherence at branches
• Ensure RBI audits, inspections
• Maintain branch audit scores

Branch Profitability

• Ensure Growth in NII (Net Interest Income) for branch
• Increase fee income
• Ensure OPEX optimization (to reduce operational cost)
• Manage cost of cash holding at branch

Brand Administration

• Adhere to standardized branch guidelines
• Upkeep and maintain the branch (spic and span adherence to FIVE S norms)
• Ensure availability of necessary infrastructure in branch

Skills And Competencies

• Analytical Skills
• Good Communication Skills
• Knowledge and understanding of banking products and services
• Strong network within and outside the branch
• Current-Account Knowledge
• Team handling skills