Resposibility
- Responsible for the administration and efficient daily operation of a full service Outlet, 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 Branch 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 BSM/Oprh/CSOs/Sales staff on a weekly basis.
- Ensure proper on-boarding of all new customers acquired.
- Cross-sell of products (i.e. sales of 3 products per customer with onboarding) 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 GL 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 & structured feedback to employees on a regular basis.
- Conduct workshops and training programs for the employees
Deliverables/Result Areas
- Achieve incremental targets for CASA, Fixed Deposits and loans, and achieve fee in terms of Life nsurance,General Insurance,Mutual Funds,OTR, Gold etc.
- Maintain a healthy asset and liability book i.e., General Ledger growth.
- Maintain and monitor Complience culture, Audit(Internal & SQ), BOHI(Branch operational Health Index)
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 smooth RBI & Internal audits, inspections as well as SVs.
- 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.
Efficient Management of extreemly critical or disaster situation.