Job title: RBL Bank – Branch Manager – Sales (12-19 yrs) Bangalore (BFSI Sales/Marketing)
Job description: We are pleased to inform you that, we have an urgent job opening for Branch Manager role at Bangalore location.Job details as below : Activity Sheet : Branch ManagerBusiness Group : Retail and Consumer Banking GroupObjective :Execute and monitor overall administration and efficient daily operations of a full service branch office; including operations, lending, product sales, customer service, security and safety in accordance with the Bank’s objectives. Principal Accountabilities – Sales & Business Development :1. Achievement of incremental number and value targets for Liabilities (CA, SA, FD); Assets (Home, Auto & other assets) and Fee Products (MF, LI, GI, Gold & other fee products) 2. Prepare and monitor Sales plan for the branch3. Build a healthy asset and liability book.4. Increase market share in the catchment area (3 to 5 kms radius) Major Activities – Sales & Business Development :1. Sales Planning :- Prepare and track product wise – liabilities, assets & fee – AOP for the full financial year.- Commerce and catchment mapping- Prepare and review monthly activity calendar of outbound activities of BSM / JO- Roll out MOP for outbound and inbound sales on 1st of every month followed by weekly and monthly reviews.- Review all employees in branch quarterly.- Review productivity of BSMs / BOM- s/ JOs on a weekly basis.2. Review and handhold BOM’s & BSMs on a daily basis and Sales Officers (JOs) on a weekly basis.3. Conduct Daily Morning Huddles to discuss daily plan and agenda for employees.4. Ensure proper on-boarding of all new customers acquired.5. Sale of 3 products per customer within 90 days of account opening.6. Track inflow outflow reports, account closures, FD renewals, FD closures, overdue FD, locker occupancy, Sales and thus daily business generation7. Maintain quality of customer acquisition through sourcing mix and on-boarding process.8. Monitoring DSRs on a regular basis.9. Lead management proper assignment and closure of leads.10. Tapping markets or customer segments within the catchment of the branch, which are hitherto untapped, to increase the GL Base of the branch.Principal Accountabilities – Customer Service :1. Manage Key Branch Relationships2. Ensure Wait Time within permissible limits as per segmental service approach3. Achievement of branch Customer Service Scores target4. Nil Critical Requests at branch5. Nil Escalations at branch and complaint handlingMajor Activities – Customer Service :1. Make 10 customer visits every week (Top 20% of profitable customers of branch) to maintain and enhance the relationships.2. Scrutinize all service requests and AOFs being sent to RPC to ensure NIL rejections.3. Conduct customer engagement program – every month.4. Lobby Management to be done daily during peak hours.5. Prepare staff roister, leave calendar and maker-checker seating arrangement6. Inculcating first contact resolution and adherence to customer service mantras by employees at branch7. Resolve customer queries through internal escalation matrix for enhanced service experience for customers8. Implement usage of Product Database among employees for instant resolution of customer’s queriesPrincipal Accountabilities – Compliance & Risk Management :1. Ensure operations, risk control and process adherence at branches2. Branch Audit scores3. Fraud prevention4. Ops risk monitoring5. RBI audits, inspections and incognito visitsMajor Activities – Compliance & Risk Management :1. Ensuring operations and Risk control at branches in line with internal and regulatory guidelines as per Operations Manual and e-circulars issued from time to time2. Checking, authorizing and verification of various reports- Irregularity report – Daily- Exception report – Daily- TOD reports – Daily- Pending IBRs to be responded – Daily- Second level verification of Mitra Committee Report- Daily- Format F (Expenditure) – Monthly- CAT 14 & CAT 15- TOD & Cheque Purchase- Fortnightly- Submission of Comp 1 – Monthly- Charge Taking Certificate – as and when required3. Updation, maintenance and periodic checking of important registers- Fake notes register- Branch book- Complaints register/ book- Visitor book4. Maintenance of keys of- Customer complaint box- One set of premises keys- Fake note box- Lockers 5. Physical verification of various security items- Surprise physical verification of cash, foreign currency, keys, gold coins, jewel loan packets and welcome kits – Monthly- Physical verification of original and duplicate keys – Quarterly- Physical verification of locker master keys and vacant locker keys – Quarterly6. Checks to be done in respect of asset servicing- Non DRO branches- unreconciled open items as per data received from COPS-Repayment team- Ensuring that at least one authorized signatory available in the branch for signing NOC7. Account sourcing – authorizing the KYC documents by checking the genuineness of the customers at the time of account opening8. Monitoring outstanding long pending entries in office accounts9. Checking all outstanding EDD cases (money laundering)10. Clearing his/ her tray for all pending approvals 11. Closure of Key Audit Findings from IAD audits and observations of RRM visits12. Quarterly compliance to audit requirements13. Proper handling and reporting of RBI, and other regulatory audits at branches14. Creating awareness among employees on fraud prevention, password protection and branch securityPrincipal Accountabilities – Branch Profitability :1. Growth in NII ( Net Interest Income) for branch2. Growth in Asset business through branches3. Increase Fee Income4. Ensure Opex optimization5. Manage cost of cash holding at branchMajor Activities – Branch Profitability :1. Enhance for CASA and Time Deposits through service led Sales at branches2. Monitor daily inflow and outflow reports, GL reports and Day Book reports3. Incremental growth in, home loans and auto loans sourcing at applicable locations4. Activate specialized desks depending upon the catchment to generate fee income5. Ensure optimal cash holdings at branch so as to reduce idle cash lying at branch6. Increase in third party product penetration to enhance fee income opportunityPrincipal Accountabilities – Brand Administration :1. Adhere to standardized Brand guidelines – inside the branch and outside the branch2. Branch upkeep and maintenance – spic & span 3. Availability of necessary infrastructure in branchMajor Activities – Brand Administration :1. Monitor external appearance of the branch – fascia, directional signage, entrance, parking area 2. Review in Branch Look & Feel – lobby area, merchandising calendar for posters, seating arrangement etc on a daily basis3. Proper ATM upkeep, notice board and posters4. Ensure proper functioning of all branch equipments – PC, Printers, Xerox Machines, scanners, AC, DQM, CDM etc5. All employees to be dressed well.6. Ensure adherence guidelines at all workstations, storage area and common areaPrincipal Accountabilities – Capability Building & Manpower Management :1. Team Building2. Training and Development3. Manpower PlanningMajor Activities – Capability Building & Manpower Management :1. Mentor / ensure mentoring of new joinees for first three months.2. Job rotation for all employees once in six months3. Briefing all employees on their role and expectations from them4. Give structured feedback to employees on a regular basis5. Conducting Saturday Workshops and in house training programs6. Certification of employees on AMFI, IRDA and mandated E-Test and E-Learning by all employees in branchOther Responsibilities :1. Implement centrally-originated projects on customer service, automation, processes and compliance in the branch2. Monitor specialized desks at branches3. Follow up on legal cases pertaining to branch4. Business continuity planning for the branch5. Contribute to employee morale and plug employee turnoverPerformance Indicator Measure :1. Retail P&L – Net interest Income Percentage achievement against target- Fee Income Percentage achievement against target. We may need to include cross sell somewhere2. GL Size of branchesCurrent Accounts – Number of accounts- Incremental growth in balance- Average balance of account (Quality of account)Savings Accounts – Number of accounts- Incremental growth in balance- Average balance of account (Quality of account) what about salary accounts. Term Deposits – Retail penetration of deposits sourced- Incremental growth in deposits3. Asset Targets (Specific to region being handled)- Home Loans – % disbursement achievement against target. Please include loans against collateral- Auto Loans – % disbursement achievement against target- Personal Loans – % disbursement achievement against target4. Overall Branch Health- Customer Service Branch customer service scores- Compliance IAD Audit Scores and fraud prevention scores (ref:updazz.com)
Location: Bangalore, Karnataka
Job date: Thu, 09 Jul 2020 22:44:31 GMT
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RBL Bank – Branch Manager – Sales (12-19 yrs) Bangalore (BFSI Sales/Marketing)
Job title: RBL Bank – Branch Manager – Sales (12-19 yrs) Bangalore (BFSI Sales/Marketing)