Business Manager– Transaction Banking

Ujjivan Small Finance Bank; Bengaluru; On-site; INR 1,000,000 - 1,400,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a seasoned professional to lead MSME Transaction Banking initiatives in Bengaluru. You will build and deepen primary banking relationships, drive CASA growth, and expand digital payment adoption across MSME customers.

You will coordinate with Sales, Product, Operations and Digital Banking teams to enhance wallet share, fee income and cross-sell insurance products. Prior MSME banking experience is essential.

Qualifications

• 5 to 8 years of relevant experience in Banking preferably in MSME Banking, Transaction Banking, Current Account acquisition, Digital Payments, Branch Banking or business/product enablement roles.
• Graduate in Commerce / Business / Finance / Economics; MBA/PGDM preferred for advanced roles.

Responsibilities

• Build Primary Banking relationships and increase CASA, transaction flows and fee income from MSME customers.
• Drive and grow insurance products business and fee income from MSME customers.
• Build Primary Banking relationships with MSME customers by increasing CASA balances, insurance penetration, current account activation, transaction flows, digital collections and payment solution adoption.
• Drive the MSME Transaction Banking proposition across current accounts, CMS, QR, POS, UPI, Payment Gateway, virtual accounts, payment and collection solutions, Trade and Forex referrals, and relationship deepening initiatives.
• Enable revenue and customer stickiness by partnering with Sales, Product, Operations, Digital Banking, Branch Banking and service teams to improve wallet share, retention, fee income and digital transaction adoption.
• Build and execute the MSME Transaction Banking proposition to strengthen Primary Banking relationships and improve customer stickiness.
• Drive acquisition and activation of new MSME Primary Banking customers with focus on CASA growth, Current Account penetration and transaction-led relationship deepening.
• Drive penetration of insurance products like general/health/life & credit shield insurance. Tracking of insurance penetration, new issuance of policies & putting a closure on the settlement of cases.

Skills

MSME Banking

Transaction Banking

Digital Payments

Sales enablement

Cross-functional collaboration

Education

Graduate in Commerce / Business / Finance / Economics

MBA / PGDM in Marketing, Finance, Banking or Business Management preferred

Job description

• Build Primary Banking relationships and increase CASA, transaction flows and fee income from MSME customers.
• Drive and grow insurance products business and fee income from MSME customers
• Build Primary Banking relationships with MSME customers by increasing CASA balances, insurance penetration (GI/HI/LI/CSLI), current account activation, transaction flows, digital collections and payment solution adoption.
• Drive the MSME Transaction Banking proposition across current accounts, CMS, QR, POS, UPI, Payment Gateway, virtual accounts, payment and collection solutions, Trade and Forex referrals, and relationship deepening initiatives.
• Enable revenue and customer stickiness by partnering with Sales, Product, Operations, Digital Banking, Branch Banking and service teams to improve wallet share, retention, fee income and digital transaction adoption.
• Build and execute the MSME Transaction Banking proposition to strengthen Primary Banking relationships and improve customer stickiness.
• Drive acquisition and activation of new MSME Primary Banking customers with focus on CASA growth, Current Account penetration and transaction-led relationship deepening.
• Drive penetration of insurance products like general/health/life & credit shield insurance. Tracking of insurance penetration, new issuance of policies & putting a closure on the settlement of cases. Co-ordinate with regional teams for training to field teams and timely issuance of policies.
• Grow payment and collection solutions including QR, POS, UPI, Payment Gateway and other digital transaction modes in coordination with Digital Banking and Product teams.
• Build and promote Cash Management Services and transaction banking solutions for MSME customer needs such as collections, payments, reconciliation, virtual accounts and corporate connectivity, where applicable.
• Increase Trade and Forex referrals from eligible MSME customers by identifying customer needs and connecting with relevant internal product teams.
• Monitor fee income, transaction volume, digital adoption, customer activation, retention, wallet share and branch / sales productivity through structured MIS and reviews.
• Design campaigns, customer-engagement interventions and branch / sales enablement actions to improve adoption and usage of transaction banking products.

Educational Qualifications:

• Graduate in Commerce / Business / Finance / Economics or related discipline. MBA / PGDM in Marketing, Finance, Banking or Business Management preferred.

Experience :

• 5 to 8 years of relevant experience in Banking preferably in MSME Banking, Transaction Banking, Current Account acquisition, Digital Payments, Branch Banking or business/product enablement roles.