Branch Operation Manager

Ujjivan Small Finance Bank; Bathinda; On-site; INR 650,000 - 1,100,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Branch Operation Manager for the Branch Banking team. This full-time role requires overseeing day-to-day operational activities, cash handling, audits, and regulatory compliance to deliver quality customer service.

You will manage branch infrastructure, staff, and cash flow, while driving walk-in sales, resolving customer queries, and coordinating with regional units. Prior banking operations and liability/asset product knowledge are essential.

Qualifications

• UG graduation (commerce) or PG in Finance preferred.
• Experience in Banking/NBFC operations.
• Catering to liabilities and asset products.

Responsibilities

• Take overall responsibility for administration and control of the branch operations, including its infrastructure and personnel.
• Handle walk-in sales in absence of liabilities/assets sales personnel and drive leads from walk-in customers.
• Oversee adherence to customer life event management at branch.
• Ensure customers are assisted/educated to use ATMs and promote ATM usage for smaller transactions.
• Coordinate with internal/external audit and ensure regulatory compliance in branch operations.

Skills

Operations

Customer service

Process orientation

Multitasking

Regulatory compliance

Tech savvy

Training skills

Education

Graduation in commerce

Post Graduation with Finance specialization

Job description

POSITION DESCRIPTION

JOB TITLE : Branch Operation Manager

GRADE : M/SM

DEPARTMENT : Branch Banking

LOCATION : Branch

SUB-DEPARTMENT : NA

TYPE OF POSITION : Full-time

REPORTS TO : Sr. Branch Manager/Branch Manager

REPORTING INTO

• Cashier
• CCR
• Aadhar Officers

ROLE PURPOSE & OBJECTIVE

• This role is responsible for day to day operational and administrative activities in the branch which include coordination with IT, infrastructure, security, secured stationary (operations), unsecured stationary (Admin) and housekeeping.
• Accountable for quality customer service within stipulated time frame while adhering to regulatory and procedural compliance.
• Responsible for coordination of audits at the branch and availability of requisite resources in the branch without affecting regular branch business.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Daily cash transaction
• CRL Limit
• Branch Audit
• Cheque stoppage/bounce
• Aadhaar enrolment
• Generate quality sales leads
• Handling of both internal and external queries
• Customer Service

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Take overall responsibility for administration and control of the branch operations, including its infrastructure and personnel
• Handle walk-in sales in absence of liabilities/assets sales personnel
• Drive leads from walk-in customers
• Handle walk-in sales in absence of liabilities/assets sales personnel
• Oversee adherence to customer’s life event management at branch

Customers

• Handle walk-in customers in the absence of the CCR; build & manage robust relationships with the customers by providing exceptional customer service
• Ensure customers are assisted/educated to use ATMs and motivate them to use ATMs for smaller transactions
• Ensure adherence to TAT for all branch transaction, grievance redressal and customer queries
• Address customer complaints and queries escalated by branch staff in a timely manner (Tracking and reporting); ensure reduction in customer complaints over a period of time

Internal Process

• Joint custodian of cash, Branch keys/vault/lockers; ensure all secured stationary are in stock and tracks usage
• Accountable for cash transactions in the branch including aspects such as cash management, tallying of cash with reports in system & vouchers and maintenance of registers for cash transactions and reconciliation of day end ledgers with the help of cashier
• Approve/authorize transactions as required, check and ensure genuineness of the documents provided by the customers
• Serve as a point of check for completion of forms/applications, verification of the KYC documents and other document proofs provided by the customer for purposes such as transactions, account opening etc.
• Take overall responsibility for housekeeping, physical infrastructure and IT infrastructure
• Responsible for coordination of functioning and replenishment of cash in the Branch ATMs (to be decided post finalization of ATM operating model)
• Coordinate activities with Regional-Fund Transfer Unit and Branch Monitoring teams
• Coordinate with the internal and external audit team in carrying out the periodic Branch audits; formulate and review progress against action plans to address the deviations found in Branch operations and service quality
• To ensure strict adherence to regulatory compliances in running the branch and report deviations to CRM, perform the role of operations risk and compliance representative at the branch and report to regional OR & compliance managers

Learning & Performance

• Maintain up to date & working knowledge of products/services offered in the branch.
• Ensure adherence to training man-days/ mandatory training programs for self and reportees
• Train the Cashier & CCR on process compliance, service quality and Branch operations
• Ensure goal-setting, midyear -review and annual appraisal process within specified timelines for self and reportees
• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• UG – Any Graduation preferably in commerce discipline / Post Graduation with Finance specialization

Experience

• Minimum 3-6 years’ experience in handling Banking/NBFC Operations
• catering to liabilities and assert products

Certifications

• NA

Functional Skills

• Systematic; meticulous and timely customer service
• Process Orientation
• Multitasking ability
• Knowledge of liabilities & asset products
• Compliance Orientation
• Technology Adept
• Training Skills

Behavioral Skills

• Communication skills – fluent in local language & English
• Managing Customer Relations
• Process Orientation
• People orientation
• Training skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Execution
• Managing Relationships
• Influencing
• Decision Making

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Regional operations department
• Cluster operations department
• State HR
• Admin & Infra team
• Internal Audit department
• IT
• Neighbouring banks
• BCs & cash management agencies
• External Audit department

PREPARED BY: Priyanka Pal

DATE: 14-02-2024

REVIEWED BY: Jyothi Mohan

DATE: 15-02-2024

LAST UPDATED BY: TM Team

DATE: 07-06-2024