Branch Manager - Retail Branch Banking

Location: Kushalgarh

In this profile you will manage the assigned branch & run it as a profit centre by managing the revenues & operations as per the compliances. Handle branch operations & work on per client revenue by targeting TPP X-selling, Liability Acquisition.

Required Candidate Profile

Prior experience as branch manager will be an add on. Rich experience in client acquisition, portfolio management, compliance management & team handling.

Job Role And Responsibilities

Responsible for the administration and efficient daily operation of a full service branch office, including lending, product sales, customer service, and security and safety in accordance with the Bank's objectives
Enhance and contribute in the growth of the company through Business Development
Provision of a superior level of customer relations and promotion of the sales and service culture through coaching, guidance and staff motivation
Achieve individual and branch sales goals through new business sales, referrals and retention of account relationship
Maintain AOP (Annual Operating Plan) for the financial year i.e. to prepare and track product (liability, assets and fees) wise
Weekly/monthly reviews for outbound and as well as for inbound sales
Prepare and review monthly activity calendar of outbound activities for RM,BSM/SOs on a weekly basis.
Ensure proper on-boarding of all new customers acquired
Cross-sell of products with new and as well as with existing customers
Conduct daily morning huddles to discuss daily plan and agenda for employees
Track inflow and outflow of reports (like account closures, account opening, Fixed Deposit renewals/closures etc.) and thus, daily business generation
Maintain customer relationship through sourcing and on-boarding process
Monitor DSR (Daily Sales report) on a regular basis
Manage leads through CRM (software used for entering the generated leads)
Segment the customer within the catchments of the branch to increase the Journal-Ledger base of the branch
Capability building and manpower management
Mentor/Guide new joinees as well as existing branch employees
Brief employees on their role and expectations from them
Provide timely feedback to employees on a regular basis (structured feedback)
Conduct workshops and training programs for the employees

Deliverables

Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Mutual Funds, Gold etc.

Maintain a healthy asset and liability book i.e., Journal Ledger growth

Customer Service

Manage key branch relationships
Ensure wait time within permissible limits as per segmental service approach
Achieve customer service index scores target
Ensuring no escalations at branch and complaint handling

Compliance And Risk Management

Ensure operations, risk control and process adherence at branches
Ensure RBI audits, inspections
Maintain branch audit scores

Branch Profitability

Ensure Growth in NII (Net Interest Income) for branch
Increase fee income
Ensure OPEX optimization (to reduce operational cost)
Manage cost of cash holding at branch

Brand Administration

Adhere to standardized branch guidelines
Upkeep and maintain the branch (spic and span adherence to FIVE S norms)
Ensure availability of necessary infrastructure in branch

Skills And Competencies

Analytical Skills
Good Communication Skills
Knowledge and understanding of banking products and services
Strong network within and outside the branch
Current-Account Knowledge
Team handling skills