Senior Branch Manager

Ujjivan Small Finance Bank; Ernakulam; On-site; INR 1,800,000 - 2,400,000; Full time

Job summary

Ujjivan Small Finance Bank is seeking a Senior Branch Manager to lead branch banking operations, drive liabilities growth, and ensure exceptional customer service. You will oversee cash management, compliance, and cross‑sell opportunities while coordinating with product and marketing teams to run local campaigns.

Reporting to the Area/State Head, you will manage a 10–15 member team, with higher targets on Platinum and Titanium branches, and ensure consistent performance and risk controls across

Qualifications

• Strong sales and marketing acumen to drive liabilities growth.
• Understanding of banking products and liabilities books.
• Proven leadership of 7–15 staff.
• Excellent communication and relationship building with customers.

Responsibilities

• Implement branch marketing and communication strategies to strengthen the brand.
• Drive branch liabilities targets and optimize customer onboarding.
• Maintain compliance and risk controls in operations and cash management.
• Lead a team of 10–15 staff and monitor performance through reviews.
• Coordinate with product/marketing teams for local campaigns.

Skills

Sales & Marketing

Liabilities Knowledge

Team Leadership

Customer Relations

Communication Skills

Travel willingness

Education

Commerce/Economics degree

PGDM/MBA

Job description

POSITION DESCRIPTION

JOB TITLE : Senior Branch Manager

GRADE : AVP-I

DEPARTMENT : Branch Banking, RIGB, TPP

LOCATION : Branch

SUB-DEPARTMENT : Branch Banking

TYPE OF POSITION : Full-time

REPORTS TO : Area Head/State Head – Branch Banking

REPORTING INTO

Direct Reporting

• BDE/AAM/AM


• BSM/CA-AM


• BOM


• Dotted line reporting of certain Silver & Gold Branch Heads

ROLE PURPOSE & OBJECTIVE

• This role is responsible for driving the entire business targets for liabilities assigned to the branch; Manage exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements; Focus on retaining existing customers, increasing the customer base and cross‑selling Ujjivan’s products and services; Oversee branch operations, cash management and service quality; work closely with product and marketing teams to drive campaigns at their branches.


• This role monitors daily performance of branch staff and manages a team of 10 to 15 employees.


• This role manages leadership reporting of BOO/BOSM & BSM.


• In certain cases will have dotted line reporting of few Silver & Gold Branch Heads reporting to them


• This role is assigned higher targets for their respective branches and is applicable only to Platinum & Titanium Branches.

• SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• Entire liability target for the branch


• CASA Book – as per the branch


• RIGB Book – as per the branch


• BB-FIG Book – as per the branch


• Segment wise book (NR, Senior Citizen, HNI etc) – as per the branch


• Number target for all the respective products.


• CA


• SA


• RIGB


• Snr Citizen


• HNI


• NR


• KEY DUTIES & RESPONSIBILITIES OF THE ROLE


• Business


• Implement branch specific marketing & communication strategies to continuously strengthen the Ujjivan brand.


• This role is responsible for driving the entire business targets for liabilities assigned to the branch.


• Manage exceptional customer service, proactive sales environment and efficient branch operations, while adhering to regulations/compliance requirements


• Focus on retaining existing customers, increasing the customer base and cross‑selling Ujjivan’s products and services


• Oversee branch operations, cash management and service quality; work closely with product and marketing teams to drive campaigns at their branches.


• Monitor daily performance of branch staff.


• To manage a team of 10 to 15 employees.


• To manage leadership reporting of BOO/BOSM & BSM


• In certain cases, they will have a dotted line reporting of few Silver & Gold Branch Heads reporting to them


• Will be assigned higher targets for their respective branches.


• Cascade targets the branch targets to the respective staffs and ensure achievement is tracked through periodic reviews.


• Ensure all deferrals taken are cleared within the specific period.


• Monitor the overall portfolio of the branch; ensure adherence to compliance and regulatory norms are met


• Customers


• Ensure customers are educated about all products/services offered by Ujjivan


• Ensure courteous customer service is offered to customers by the branch staff


• Reduce customer attrition by guiding CCR(s) on exit interviews, customer engagement programs etc.


• Lead customer connect initiatives in the branch vicinity


• Internal Process


• Oversee and ensure efficiency in branch/ATM operations through adherence to TAT for various internal and customer end processes; drive utilization of alternate channels


• Ensure compliance with banking guidelines, quality framework and audit requirements; ensure speedy resolution of any audit observations and take necessary steps to prevent recurrence,


• ensure compliance with Know Your Customer (KYC), Anti- Money Laundering (AML), audit and other regulations & applicable laws in the branch


• Monitor, control & minimize all expenses in the Branch, such as telephone, consumption of stationery, computer consumables, electricity and other overheads without sacrificing quality


• Oversee accurate cash management and tallying of accounts in the system through the Cashier


• Accountable for branch safety including security of cash/vault etc.


• Learning & Performance


• Ensure that all members of the Branch staff are up to date on all relevant circulars and all products/services offered in the Branch


• Ensure adherence to training man-days/ mandatory training programs for self and reportees


• Ensure goal-setting, mid-year review and annual appraisal process within specified timelines for self and reportees


• Monitor performance of staff against defined goals/metrics and take corrective action wherever required; undertake disciplinary and attendance monitoring for liabilities sales team and branch operations team


• Coordinate with state HR on people related matters; support branch activities to foster teamwork and continuously make Ujjivan a great place to work


• Ensure coordination between staff of different teams, to build a collaborative spirit and shared sense of purpose (which could also enable cross-sell and overall target achievement)


• MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS


• Educational


• Qualifications


• Graduate in Commerce/Business/Economics or related subjects. PGDM/ MBA from a Tier 2 or 3 college preferred


• Certifications


• N.A


• Functional Skills


• Sales & marketing skills – across multiple products.


• Should have managed a deposit book of 75 to 300 Cr.


• Knowledge on liabilities products & unsecured loans products


• Knowledge of basic accounting and finance administration


• Analytical skills


• Process & Compliance Orientation: Knowledgeable on KYC norms/guidelines for liabilities & unsecured loans


• Behavioral Skills


• Managing Customer Relations and excellent service orientation and relationship management skills


• Communication Skills - fluent in the local language & English


• Ability to manage teams and drive performance. Should have managed a team of 7 to 15 staff.


• Achievement/Performance oriented


• Product knowledge


• Training 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


• EXTERNAL


• Regional Product & Marketing team


• State HR


• Cluster Operations excellence Manager


• Regional Service Quality


• Regional Admin & Infra


• SPOC - ATM


• Regional Audit Manager


• Cash management agencies


• BC Agents


• Civil/Electrical infra vendors


• ATM vendors


• SLBC


• Other banks in vicinity


• Community forums

PREPARED BY: Priyanka Pal

DATE: 20-03-2026

REVIEWED BY: Jyothi Mohan

DATE: 24-03-2026

LAST UPDATED BY: TM Team

DATE: 27-03-2026

This is Internal document.