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Surat, Mumbai, Vadodara, Tirupati, Bangalore, Kollam, Warangal, Jodhpur, Delhi, Pune, Chandigarh, Noida, Ahmedabad, Hyderabad, Chennai

• Managing operations and overall functioning of the branch.

• Responsible for meeting the branch business targets.

• Ensuring that the branch adheres to all regulatory requirements and guidelines such as “Know Your Customer (KYC)”, “Anti Money Laundering (AML)”, “Combating the Financing of Terrorism (CFT)”,etc., at all times.

• Ensuring cost management and cost control at the branch to ensure profitability

• Rendering Excellent Customer Service and ensure that their needs are understood and met through the various financial product offerings of the bank.

• Supervising key areas including new business development (retail and institutional), sales channel development, team development and revenue generation.

Raigad, Kochi, Alapuzha, Kancheepuram, Delhi, Mumbai, Pune, Chandigarh, Noida, Ahmedabad, Hyderabad, Bangalore, Chennai

• Responsible for branch operations, which includes sales, operations and customer service, ensuring strict compliance with Bank's policies and procedures.

• Responsible for meeting the branch business targets.

• Solving day to day customer request-RTGS, NEFT, DEMAND DRAFTS, also handling Customer complaints

• Ensuring that the branch adheres to all regulatory requirements and guidelines such as “Know Your Customer (KYC)”, “Anti Money Laundering (AML)”, “Combating the Financing of Terrorism (CFT)”,etc., at all times

• Responsible for achieving the business objectives of the retail liabilities sales team for the branch and meet the value, volume and channel Productivity metrics

• In depth knowledge of CASA, fixed deposits and third party products.

• Ensuring sales channel productivity

• Ensuring that the sales channel is aware of and adheres to all regulatory requirements and guidelines such as “Know Your Customer (KYC)”, “Anti Money Laundering (AML)”, “Combating the Financing of Terrorism (CFT)”,etc., at all times

• Rendering Excellent Customer Service and needs are understood and met through the various financial product offerings of the bank.

• Ensure that sales channel is adequately trained on the products of the bank and sales processes and highly motivated and engaged at all times.

Delhi, Mumbai, Pune, Chandigarh, Noida, Ahmedabad, Hyderabad, Bangalore, Chennai

• Maintaining and developing good relationship with customers

• Responsible to developing business, maximizing revenue generation & achieving sales target.

• Working in close coordination with the bank’s team to ensure all clients acquired from the assigned area, trade actively.

• Identifying business opportunities by identifying prospects and evaluating their position in the industry; researching and analysing sales options.

• Selling products by establishing contact and developing relationships with prospects; recommending solutions.

Bhubneswar, Kolkata, Patna, Chandigarh, Delhi, Bangalore, Vadodara, Mumbai, Chennai, Ahmedabad

• Client Acquisition: Acquire NTB (New to Bank) Clients for Institutional Business within the assigned Branch, with a solid understanding of Liability Products. 

• Relationship Management: Manage key relationships with ETB (Existing to Bank) Institutional Clients, focusing on deepening these relationships. 

• Product Knowledge: Demonstrate knowledge of Liabilities Products, particularly in the TASC Segment, and understanding of Payments & Cash Management and various Electronic Payment Products. 

• Budget Achievement: Ensure the achievement of Institutional CASA and WTD budgets for the assigned Branch.

Patna

Responsible for overall HR activities in the Bihar State

•       Execution of day to day HR & Training activities

•       Coordination with Head Office & Zonal Office HR & Training teams for smooth functioning

•       Coordination with different departments/ HODs for necessary support & alignment of HR function

•       Planning & Execution of Fresher & Experienced Recruitment

•       Coordination & administration of core HR activities from Head Office 

•       Ensuring timely adherence of all HR compliances (statutory, regulatory & others)

•       Employee engagement activities along with branch visit

•       Implementation of HR process & policies at ground level

Bhubneswar, Kolkata, Jaipur, Raipur, Mumbai, Dehradun, Chennai, Ahmedabad

• Client Acquisition: Acquire NTB (New to Bank) Clients for Government & Institutional Business within the assigned geography/Cluster, with a detailed understanding of Liability Products. 

• Relationship Management: Manage existing key relationships for Government & Institutional Business to deepen the ETB (Existing to Bank) Book. 

• Product Knowledge: Demonstrate knowledge of Payments & Cash Management, Electronic Payment Products, Government Agency Business, Trade Finance, and Foreign Exchange. 

• Collaboration: Develop strong working relationships with Branches within the assigned geography/Cluster to efficiently service existing Institutional Clients and assist in acquiring NTB Clients. 

• Target Achievement: Ensure the achievement of budgets by Branches in the assigned geography/Cluster through product training, proposals, etc., in coordination with the Zonal Office/Head Office.

PAN India

•  Surprise Centre Visits (SCV) - Assistant Branch Manager: The Assistant Branch Manager is required to conduct SCVs daily, ensuring that all centre meetings are covered each week and that every centre under all Credit Officers is visited at least once per quarter.

•  Daily Closing Responsibilities - Branch Manager: The Branch Manager is responsible for verifying that collections recorded in the Cash Book align with the scheduled collections, with special attention to identifying and recording arrears and pre-payments.

• Additionally, the Branch Manager must cross-check disbursements in the Cash Book against the official disbursement list from the Head Office, promptly addressing any discrepancies.

• Cash Management: Proper cash management at the branch must be ensured by the Branch Manager, including reviewing the Collection and Disbursement Sheet (CDS) and overseeing deposits.

• Documentation: The Branch Manager must ensure that all branch transactions are properly documented and maintained.

• Target Achievement: The Branch Manager is responsible for achieving the asset and liability product targets, as per the goals set by their supervisor.

• Additional Duties: Any other responsibilities as assigned, based on the evolving needs of the organisation.

PAN India

• Surprise Centre Visits (SCV): The Branch Manager must conduct SCVs daily, ensuring all Centre Meetings are covered each week, and every centre under all Credit Officers is visited within a quarter.

• Daily Closing Responsibilities: The Branch Manager is responsible for verifying collections entered in the Cash Book against the scheduled collections, accurately identifying arrears and pre-payments. They must also cross-check disbursements in the Cash Book against the official disbursement list from the Head Office, rectifying any discrepancies immediately.

• Cash Management: The Branch Manager ensures effective cash management by comparing the Collection and Disbursement Sheet (CDS) and overseeing deposits at the branch.

• Transaction Documentation: The Branch Manager must ensure that all transactions at the branch are thoroughly documented.

• Target Achievement: The Branch Manager is responsible for meeting the asset and liability product targets as agreed with their supervisor.

• Additional Duties: The Branch Manager must fulfil any additional responsibilities assigned based on the company’s needs.

PAN India

• Branch Quality Control and Supervision: The AM is primarily responsible for ensuring quality control, as well as monitoring and supervising the performance and operations of the assigned branches.

• Group Recognition Tests (GRTs): The AM will conduct GRTs at the branches within their area

.• House Visits: The AM must conduct house visits for all new centres and for any new client additions within their area.

• Credit Discipline: The AM is tasked with enforcing strict credit discipline, with zero tolerance for any deviations.

• Loan Eligibility Screening: The AM is responsible for screening customer eligibility for loans.

• Client Cross-Checking: The AM will conduct random cross-checks with clients by calling to verify collections and disbursements.

• Customer Verification: The AM will verify identified customers in their area and ensure strict adherence to procedures during loan disbursements.

• Post-Disbursement Visits: Routine visits to clients for post-disbursement services are required to maintain client relationships and monitor service quality.• Training: The AM will provide proper training to newly recruited members when assigned for training.

• Product and Service Updates: The AM will update clients about any new developments in the company’s products and services.

• Manpower Management: The AM is responsible for manpower planning and productive monitoring of the branches under their supervision.

• Risk Management: The AM will identify, assess, mitigate, monitor, and report risks that may impact branch operations, and implement appropriate risk controls and mitigation strategies.

PAN India

• Carrying out field visit as per norm and monitor following, CGT/ GRT etc. being conducted in the field.

• The documentations in the branch, to see that they are complete, correct and up-to-date.

• Conduct review with branch staff to ensure the productivity and quality of portfolio.

• Monitoring and reviewing all the branches on the basis of BUP, Administrative Cost, Operational Self-Sufficiency and Portfolio Build-up.

• Successfully accomplishing any other task assigned.

• Keeping comprehensive check on process adherence and audit compliance to ensure quality of portfolio.

• Timely submission of accurate reports as per norms and as advised time to time.

• Contributing in process improvement and Overseeing work discipline at branches.

• Overseeing and report kaizen/5S initiative implementation.

• Checking and validating prepayment cases and client drop out cases by personal visit to their house.

PAN India

• Business Expansion: Ensure the identification of suitable premises and make branches operational in line with the region’s business plan.

• Field Visit Monitoring: Conduct field visits as per the set norms and monitor the following: Information technology utilisation in the field. Centre meetings conducted by Credit Officers (COs). Passbook updates during centre visits. Verification of loan application forms by the Area Manager (AM). Bank reconciliation and validation of all prepayment cases.

• Delinquency Monitoring: Maintain a strict check on delinquency and default rates, taking necessary actions to address issues.

• Productivity Improvement: Continuously strive for the enhancement of productivity across the branches.

• Task Completion: Successfully complete any additional tasks assigned.

• Supervision and Quality Control: Ensure effective supervision of subordinate staff through regular reviews and surprise visits to maintain the quality of the portfolio.

• Financial Compliance: Ensure adherence to financial procedures and internal controls in the field as per established norms.

• Kaizen/5S Initiative:

• Oversee and report on the implementation of Kaizen and 5S initiatives within branches for continuous improvement.

PAN India

• Business Loan Promotion and Target Achievement: Promote business loans under the micro-banking vertical and achieve the assigned business targets as per the timelines.

• Credit Assessment Support: Provide Credit Managers with necessary credit assessment information for loan evaluations.

• Loan Disbursement Formalities: Complete all required formalities for smooth and timely loan disbursement.

• Target Customer Identification: Identify potential customers within the assigned zone for business loan promotion.

• Promotion and Cold Calling: Conduct promotional activities and cold calling to generate interest among potential clients.

• Product Feature Sharing: Share detailed information about the product features with prospective customers to highlight benefits.

• Sales of Products: Engage in active sales of business loan products to eligible clients.

• Customer Eligibility Screening: Perform an initial screening of prospective clients to determine their loan eligibility.

• KYC Document Collection: Collect KYC documents from interested clients, ensuring compliance with regulatory requirements.

• Credit Discipline: Maintain strict credit discipline, adhering to guidelines with zero tolerance for deviations.

• Loan Disbursement Compliance: Ensure loan disbursement strictly follows the procedures outlined in the Operations Manual (OM), Routine Client Visits, Conduct regular visits to clients to ensure ongoing support and relationship management.