Job Description
Title of the Job : Branch Manager (For Upcoming Outside Valley Branches)
Number of Staff Required : Few
Educational Qualification : Preferably Master’s Degree but not less than Bachelor’s Degree in any discipline.
Experience Required : Minimum 3 years of commercial banking experience along with 2 years’ of experience in Credit/Relationship Management and 1 year in Branch Management preferably.
A brief description of the job:
Business Development
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Maintain develop relationships with key existing & prospective customers
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Ensure achievements of planned branch growth by implementing strategies to achieve deposits, risk assets and other sales plan targets.
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Spot and refer customers to other business units /sell consumer bank products and keep a record of call reports on customers who have been called.
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Understand competitor’s products, pricing, strategies and provide regular feedback to Business Heads.
Operation Management
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Ensure effective operation by way of following laid down procedure
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Ensure proper management of Operation risk of the Branch
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Ensure regulatory requirement is compiled for all transaction
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Manage cost of the branch within budget. Control of operating costs by monitoring Branch controllable costs & analyzing trends in cost performance.
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Manage customer complain
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Ensure Audit Rating of the Branch is Satisfactory
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Perform KYC of all customers
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Review KYC and update the same on ongoing basis.
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Ensure collection of fees and commissions and no loss of revenue.
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Coach/guide staff on rationalization of workflow & service deliveries and achieve efficiency.
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Review and monitor all reports pertaining to the Branch and take corrective actions where required.
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Maintain close monitor of system security, premises security to avoid any untoward incident
Customer Service
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Monitor service delivery, suggest/initiate/implement change in work procedures without breaching compliance and bank’s policies.
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Ensure smooth operations of all departments of customer service
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Ensure excellent customer service by effectively handling peak customer hours, resolving customer complaints and providing service within the stipulated service delivery time.
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Coach/guide staff on rationalization of workflow & service deliveries and achieve efficiency.
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Management/reduction of queues' through implementation of innovative ideas
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Ensure effective operation by way of following laid down procedure
Credit
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Monitoring Credit Facilities viz Covenants, follow ups, site inspections and recoveries
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Development and implementation of credit control procedures ensuring a strong credit culture
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Ensure effective credit controls of branches
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Approve loans within the delegated CAD
Human Resource Management
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Clarify roles and responsibilities to all staff.
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Lead/appraise/coach/manage the team.
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Build commitment by involving direct reports in problem solving & decision-making; providing staff with appropriate level of autonomy.
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Promote Team Spirit and “One Bank” attitude. Enhance /multi-skill Branch staff so that they can assume higher and/or different responsibility.
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Identify and develop a potential successor.
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Recommend rewards/promotions in line with performance.
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Identify the Training needs and conduct in-house training.
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Manage annual leave of branch staff without hampering service delivery.
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