Manager-Current Account

Ujjivan Small Finance Bank Ltd.; Rajamahendravaram; On-site; INR 450,000 - 650,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Manager-Current Account to drive current account acquisition and cross-sell linked products at the branch level. The role emphasizes meeting CA targets, servicing NTB customers, and coordinating with MSE loan officers for liability conversion.

The incumbent will manage prospect databases, guide customers through account opening and KYC, and ensure strict compliance with KYC norms and branch procedures. Branch banking expertise is required.

Qualifications

• Graduate, preferably in commerce and related streams.
• Minimum 2-7 years of experience in retail branch banking (preferable in CA sales).
• Basic knowledge on retail banking products especially current account
• Documentation skills
• Process compliance focus
• Communication skills: fluent in the local language.

Responsibilities

• Acquire new current account customers from the open market and cross-sell products/services as per customer profile and need.
• Drive the current account business for the branch and ensure CA targets are met.
• Provide service to NTB current account customers.
• Cross-sell QR, POS and TPP; pass on quality leads to respective officers.
• Maintain the database of prospects and manage relationships thereafter.
• Guide customers to fill Account Opening forms and ensure KYC compliance.

Skills

Retail banking knowledge

Communication skills

Time management

Selling skills

Education

Graduate in commerce or related streams

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

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

FINANCIAL SIZE

NON-FINANCIAL SIZE

• 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
• Customers

EXTERNAL

PREPARED BY: Balaji Sriram

DATE: 21-06-2025

REVIEWED BY

Date

LAST UPDATED BY: TM Team

DATE: 30 -06-2025