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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.

Bihar,Jharkhand,Odisha

The incumbent will be responsible for OD Collection & other Collection under micro banking vertical and achieve agreed business target assigned time to time. He/she is responsible for completion of all the requirement for Collection from clients. He/she is responsible to supply all the information to collection Team required for Collection assessment of the clients. The role bearer has the responsibility to plan, organize, direct and oversee the activities of the collections department. It also includes managing the Branches associated with Collection Team. He/she is responsible for the efficiency and optimization of retrieving EMI from the customers and ensuring adherence to all the guidelines laid out by the bank contributing to the larger organizational objectives of the bank.

• Responsible for managing and undertaking collections process for debts that have been assigned Regularly.

• Track the portfolio for specific buckets for the assigned area Track & control the delinquency of the area.

• Bucket-wise & DPD wise and focus on non-starters Responsible to allocate and achieve targets from Collection Members.

• Regularly follow up with the default customers Ensuring adherence to collection process and legal guidelines Tracing out absconded default customers Initiate recovery process Recommend for legal actions for non-recoverable cases and following up with the legal team for the closure of the cases Maintain data for administrative work related to collection such as updating delinquent account history, providing and maintaining MIS report. Reviewing of collection feedback on daily, weekly & monthly basis.

• Recommend process changes in order to improve service efficiency and quality Recommend improvements to processes and policies across the Banking business to drive operational efficiencies and high-quality customer service Leverage in-house synergies through collaboration with internal stakeholders Personal development Build and maintain relationship with peers, superiors and clients. Keep all members of the team informed of issues affecting the success of the business. Personal initiatives w.r.t. portfolio control, customer response etc.

Bihar,UP,Orissa

• Driving collection efficiency and minimizing roll forward of cases.

• Planning, evaluating, implementing, and improving credit and collection functions.

• Leading, managing, developing, and training a team of collectors.

• Maintaining professional relationships with clients and attorneys.

• Preparing periodic reports on collection activities.

• Achieving collection targets on various parameters.

• Allocating work to field executives and ensuring payments.

• Taking up cases to Lok Adalat for quick settlements.

• Ensuring adherence to defined processes and policies.

• Managing the team of Field Collection Executives and Collection Support Team.

• Monitoring productivity of field collection executives.

• Conducting training for the collections team.

• Directly interacting with clients to resolve delinquencies.

• Performing collection functions as necessary.

Bihar,UP,Orissa

• Drive collection efficiency and minimize roll forward of cases.

• Planning, evaluating, implementing and continuously improving all aspects of credit & collection functions and processes.

• Responsible for leading, managing, developing, and training a team of collectors and for directing their efforts to attain maximum collections while complying with company policies and procedures.

• Ensuring professional relationships are established and maintained with clients and attorneys.

• Prepares periodic reports on collections activities, including summaries on delinquency ratios.

• Achieve collection targets on various parameters like resolution, flows and credit cost.

• Allocate work to the field executives Ensure payments.

• Take up cases to Lok Adalat for quick settlement wherever required.

• Ensure that the team adheres to the defined processes and policies while dealing with customers.

• Manage the team of Field Collection Executives and Collection Support Team.

• Monitor productivity of field collection executives on a daily basis.

• Conduct revised/refresher policy & process training of collections team at regular intervals.

• Direct interaction with selected clients in resolving receivables delinquencies.

• Performs collection functions as necessary to assist in handling the department’s work load.

DelhiNCR,Chandigarh,Patiala,Karma,Mirzapur,

Varanasi,Meerut,Guwahati,Patna,Siliguri,Chennai,

Vishakhapatnam,Puducherry,Bhopal,Mumbai,Pune,

Ahmedabad

• Managing complete life cycle of new products, maintenance of existing products and continuous process improvements.

• Manage Relationships and Acquire New Clients from the Segment leading to acquisition of Accounts (NOA) and Total Deposit (CASA & ITD).

• Increase the share of premium segment and maintain 50% of CA accounts in that segment.

• Responsible for POS Installation.

• Responsible for both Branch Retail Current Account Month End Balance (ETB) & Branch Retail Current Account Month End Balance (NTB).

• Responsible for Cross Sell (RTD + TPP+ SB NOA).

• Responsible for sourcing Incremental Business from New Mandates/ Relationships from GIB Segment contributing to manage in getting 10% of Total Deposit (CA+SA).

• Brings Innovation at work

Delhi NCR, Amritsar, Mohali, Udaipur, Alwar, Kota, Lucknow, Allahabad, Kanpur, Varanasi, Ranchi, Patna, Cuttack, Asansol, Bengaluru, Chennai, Hyderabad

The role will be primarily responsible for acquisition of NTB Current Account from Self Employed and Corporate Segment.

Raipur, Jaipur, Dehradun, Lucknow, Patna

• Responsible for acquiring NTB (New to Bank) clients in Government Segment with specific focus on State Government entities/Ministries.

• Responsible for establishing key relationships with State Government entities / Ministries/ regulatory bodies. Should understand agency and non-agency business.

• Responsible for empanelment in the State Government Entities and Development Authorities for Deposits and Banking Services.

• Managing the existing key relationships for Government Segment of the State for deepening of ETB (Existing to Bank) Book.

• Develop superior working relationship with Branches for efficient servicing of existing clients in Government Segment and support them for acquiring NTB Clients.

• Responsible for ensuring achievement of budgets by the Branches in the Government Segment by providing necessary product training, proposals etc. in coordination with Zonal Office/ Head Office.

PAN India

• Responsible for acquiring NTB Clients from TASC, Financial Institution, Corporate & Government Business Segment in the assigned Geography/ City.

• Managing the existing key relationships of TASC, Financial Institution, Corporate & Government Business Segment in the assigned Geography/ City for deepening of ETB (Existing to Bank) Book.

• Develop superior working relationship with Branches in the assigned Geography / City for efficient servicing of existing Institutional Clients and support them for acquiring NTB Clients from TASC, Financial Institution, Corporate & Government Business Segment.

• Responsible for ensuring achievement of budgets by the Branches in the assigned Geography/ City by providing necessary product trainings, proposals etc. in coordination with Zonal Office/ Head Office.