Manager-Current Account

Ujjivan Small Finance Bank; Durgapur; On-site; INR 400,000 - 680,000; Full time

Job summary

Ujjivan Small Finance Bank seeks a Manager-Current Account at the branch level to drive open-market CA acquisition and cross-sell products. The role focuses on meeting CA targets and delivering exemplary service to NTB customers.

The incumbent will ensure KYC compliance, drive cross-sell of QR, POS and TPP, and collaborate with MSE teams to convert borrowing customers into liabilities while maintaining strong customer relations and regulatory adherence.

Qualifications

• Graduate, preferably in commerce and related streams.
• 2-7 years of experience in retail branch banking (CA sales preferred).
• Functional knowledge of retail banking products, especially current accounts, and strong documentation skills.
• Strong communication in the local language, courteous customer service, and compliance orientation.

Responsibilities

• Meet CA targets for the branch from open market acquisition.
• Build and grow the current account book for the bank.
• Acquire customers meeting liability product criteria via branches, referrals, and alternate channels.
• Maintain prospect database and manage relationships post-conversion.
• Cross-sell QR, POS and TPP; pass on quality leads to MSE loan officers.

Skills

Retail banking

Current account

Customer service

Cross-selling

KYC compliance

Communication

Education

Graduate, commerce preferred

Job description

Reports to

BSM / Branch Manager (where ever BSM is not available)

Job Title

Manager-Current Account

Grade

M

Department

Branch Banking, TASC & TPP

Location

Branch

Sub-Department

Branch Banking

Type of Position

Full-time

Reporting into

• ROLE PURPOSE & OBJECTIVE
• This role is responsible for acquiring new current account customers from the open market and cross‑selling of products/services as per the profile & need of the customers.
• This role drives the current account business for the respective branch and ensure the CA targets for the branch is met.
• The incumbent provides service to NTB current account customers.
• This role also handles cross selling of QR & POS and is accountable for adherence to compliance and regulatory norms.

Size of the Role

• CA Numbers: 5 to 8 Current accounts (based on vintage)
• CA Values: 9 lacs to 15 lacs incr. CA value (based on vintage)
• TPP Wgt Premium: 0.40 lacs to 0.65 lacs (based on vintage)
• Current accounts, Saving Accounts, Term Deposits, Life insurance, Health/General Insurance, Dmat, Mutual Funds, SIP, ASBA etc

Key Duties & Responsibilities of the Role

• Business
  • Meet the set targets on current account in terms of open market acquisition
  • Focus on building the current account book for the bank
  • Understand need and acquire customers who meet the criteria for liability products through either of the below channels:
  • Leads generated by branch staff and personal leads
  • Referrals generated from existing customers
  • Alternate channels
  • Maintain the database of the prospects, meet select prospects and manage the relationship thereafter
  • Accompany MSE staffs on the field for actively driving conversion of existing borrowing customers into liabilities customers
  • Cross sell other products of Ujjivan such as QR, POS & TPP and pass on quality leads to respective MSE loan officers
  • Share customer insights/product related feedback with the Branch Manager
• Customers
  • Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services
  • Reduce customer dormancy and customer attrition by continuous engagement / interaction
  • Resolves the customer queries.
• Internal Processes
  • Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents
  • Strictly adhere & maintain compliance to KYC norms
  • Drive the cross sell of other products such as QR, POS & TPP
• Learning & Performance
  • Maintain up to date knowledge of the liability products and services as well as a working knowledge of other products offered in the branch
  • Ensure adherence to training man-days/ mandatory training programs for self
  • Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

Minimum Requirements of Knowledge & Skills

Educational

• Graduate, preferably in commerce and related streams

Experience (Years And Core Experience Type)

• Minimum 2-7 years of experience in retail branch banking (preferable in CA sales)

Certifications

• If required

Functional Skills

• Basic knowledge on retail banking products especially current account
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language

Behavioral Skills

• Courteous customer service skills
• Time Management
• Selling skills
• Telephonic cold calling skills
• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Planning and Organizing
• Customer Focus
• Managing Relationships
• Driving Execution
• Collaborating
• Coaching
• Business Acumen
• Influencing

Key Interactions

Internal

• Business Teams

External

• Customers

Prepared By

Balaji Sriram

Prepared Date

21-06-2025

Last Updated By

TM Team

Last Updated Date

30-06-2025