Manager-Liabilities Strategy

Ujjivan Small Finance Bank Ltd.; Bengaluru; On-site; INR 900,000 - 1,300,000; Full time

Job summary

Ujjivan Small Finance Bank Ltd. seeks a Manager-Liabilities Strategy (AVP-I) to shape medium- to long-term liabilities strategy. You will translate strategic objectives into actionable plans, lead initiatives, and monitor KPIs across business verticals.

The role requires 8–12 years in banking or strategic consulting, MBA with finance/strategy, and strong regulatory know-how to drive sustainable deposit growth and cost optimization.

Qualifications

• Essential: MBA with specialization in Strategy, Finance or Banking.
• Preferred: CFA/CA or equivalent; alternative: Master’s in Economics or Finance with strategic experience.

Responsibilities

• Support annual strategic planning and quarterly reviews across businesses.
• Develop deposit mobilization strategies to support asset growth and optimize funds cost.
• Oversee market research and competitive analysis for growth opportunities and threats.
• Analyze industry trends and competitive landscape to guide decisions.
• Oversee liability portfolio performance including CASA optimization and deposits retention.
• Formulate branch expansion strategies to meet rural presence targets.

Skills

Financial Analysis

Strategic Planning

Data Analytics

Regulatory Knowledge

Project Management

Strategic Thinking

Communication

Leadership

Analytical Mindset

Adaptability

Business Acumen

Stakeholder Management

Problem Solving

Change Management

Education

MBA with specialization in Strategy, Finance, or Banking

CFA / CA or equivalent (advantageous)

MS Economics / Finance alternative

Job description

POSITION DESCRIPTION

JOB TITLE : Manager-Liabilities Strategy

GRADE : AVP-I

DEPARTMENT : Strategy & Transformation

LOCATION : HO

SUB-DEPARTMENT : Strategy & Key Initiatives

TYPE OF POSITION : Full-time

REPORTS TO : Lead-Liabilities Strategy

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE

• Support creation and periodically modification of bank's medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.
• To identify, plan, and support execute strategic initiatives that drive sustainable liabilities growth, reduce cost of funds, improve branch and overall profitability in alignment with organizational vision and regulatory requirements.
• Ensure envisioned outcomes of the identified initiatives are achieved within desired timelines.
• Monitor and report on key performance indicators to measure the success of strategic initiatives

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Liabilities: 36,000+ Cr.
• Number of portfolio products: 20+

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Support the annual strategic planning exercise across businesses and quarterly strategy reviews
• Develop deposit mobilization strategies to support asset growth and optimize cost of funds
• Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats.
• Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions.
• Oversee liability portfolio performance including CASA ratio optimization and deposit retention strategies
• Formulate branch expansion strategies ensuring 25% rural presence requirement

Customer (Both Internal & External)

• Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings
• Collaborate with branch teams to improve customer acquisition and relationship deepening initiatives
• Identify customer experience enhancement initiatives
• Identify partnership opportunities with fintech companies

Internal Process

• Management presentations on strategic initiatives and market developments
• Collaborate extensively internally to ensure the Bank’s strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Bank’s overall objectives.
• Establish governance frameworks for strategic initiatives, ensuring that all new initiatives are monitored for success and aligned with the bank’s strategic priorities.
• Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Bank’s progress against its objectives.
• Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution.
• Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank
• Analyze risks and complex issues to provide strategic guidance & efficient solutions.
• Ensure timely submission of all regulatory reports with zero non-compliance instances

Innovation & Learning

• Research industry best practices and emerging trends in liability management
• Support organizational transformation and change management initiatives
• Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges.
• Foster collaborative working relationships across departments and regions

V. Minimum Requirements Of Knowledge & Skills

Educational

Qualifications

• Essential: Master's degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking
• Preferred: Additional professional qualifications such as CFA, CA, or equivalent
• Alternative: Master's in Economics, Finance, or related field with demonstrated strategic experience

Experience Range (Years and Core Experience Type)

• Minimum: 8-12 years of progressive experience in banking, financial services, or strategic consulting.

Certifications

• Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous

Functional Skills

• Financial Analysis: Advanced financial modeling, ratio analysis, and performance measurement
• Strategic Planning: Business plan development, competitive analysis, and market research
• Data Analytics: Proficiency in data-driven decision making and analytics tools
• Regulatory Knowledge: Deep understanding of RBI guidelines, banking regulations, and compliance requirements
• Project Management: Experience managing complex, multi-stakeholder strategic initiatives

Behavioral Skills

• Strategic Thinking: Ability to analyze complex business scenarios and develop long-term solutions
• Communication: Excellent presentation and stakeholder management skills for board and senior management interactions
• Leadership: Strong collaborative leadership style to influence without direct authority
• Analytical Mindset: Data-driven decision making with attention to detail and accuracy
• Adaptability: Ability to thrive in fast-paced, regulatory environment with changing priorities

Competencies

• Business Acumen: Understanding of banking business models, revenue drivers, and risk factors
• Stakeholder Management: Building relationships across internal teams and external partners
• Problem Solving: Systematic approach to identifying issues and developing actionable solutions
• Change Management: Leading organizational transformation and strategic initiatives

VI. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Bank-wide departments on Products, Processes & Governance
• All Vertical / Functional stakeholders
• IT Project Teams
• Consultants
• Vertical Heads of Technology Vendors and Fintech Partners

PREPARED BY: TM Team

DATE: 01-09-2025

REVIEWED BY: Deepak Agarwal

DATE: 03-09-2025

LAST UPDATED BY: TM Team

DATE: 17-09-2025