Branch manager ( Chennai )
Location
Chennai | India
Job description
Job Description
Branch Manager Experience: 8 to 16 Yrs Location Interview : Chennai JD Is As Below Principal Accountabilities – Sales & Business Development:
- 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)
- Prepare and monitor Sales plan for the branch
- Build a healthy asset and liability book.
- Increase market share in the catchment area (3 to 5 kms radius)
Major Activities – Sales & Business Development 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 1 st 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.
- Review and handhold BOM's & BSMs on a daily basis and Sales Officers (JOs) on a weekly basis.
- Conduct Daily Morning Huddles to discuss daily plan and agenda for employees.
- Ensure proper on-boarding of all new customers acquired.
- Sale of 3 products per customer within 90 days of account opening.
- Track inflow outflow reports, account closures, FD renewals, FD closures, overdue FD, locker occupancy, Sales and thus daily business generation
- Maintain quality of customer acquisition through sourcing mix and on-boarding process.
- Monitoring DSRs on a regular basis.
- Lead management proper assignment and closure of leads.
- 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 - Manage Key Branch Relationships
- Ensure Wait Time within permissible limits as per segmental service approach
- Achievement of branch Customer Service Scores target
- Nil Critical Requests at branch
- Nil Escalations at branch and complaint handling
Major Activities – Customer Service - Make 10 customer visits every week (Top 20% of profitable customers of branch) to maintain and enhance the relationships.
- Scrutinize all service requests and AOFs being sent to RPC to ensure NIL rejections.
- Conduct customer engagement program - every month.
- Lobby Management to be done daily during peak hours.
- Prepare staff roister, leave calendar and maker-checker seating arrangement
- Inculcating first contact resolution and adherence to customer service mantras by employees at
branch
- Resolve customer queries through internal escalation matrix for enhanced service experience
for customers
- Implement usage of Product Database among employees for instant resolution of customer's
queries
Principal Accountabilities – Compliance & Risk Management - Ensure operations, risk control and process adherence at branches
- Branch Audit scores
- Fraud prevention
- Ops risk monitoring
- RBI audits, inspections and incognito visits
Major Activities – Compliance & Risk Management
- 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 time
- 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 required
- Updation, maintenance and periodic checking of important registers
Fake notes register
Branch book
Complaints register/ book
Visitor book
Customer complaint box
One set of premises keys
Fake note box
Lockers
- Physical verification of various security items
Surprise physical verification of cash, foreign currency, keys, gold coins, jewel loa packets and welcome kits – Monthly
Physical verification of original and duplicate keys – Quarterly
Physical verification of locker master keys and vacant locker keys – Quarterly
- 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 NOC
- Account sourcing – authorizing the KYC documents by checking the genuineness of the customers at the time of account opening
- Monitoring outstanding long pending entries in office accounts
- Checking all outstanding EDD cases (money laundering)
- Clearing his/ her tray for all pending approvals
- Closure of Key Audit Findings from IAD audits and observations of RRM visits
- Quarterly compliance to audit requirements
- Proper handling and reporting of RBI, and other regulatory audits at branches
- Creating awareness among employees on fraud prevention, password protection and branch
security
Principal Accountabilities – Branch Profitability - Growth in NII ( Net Interest Income) for branch
- Growth in Asset business through branches
- Increase Fee Income
- Ensure Opex optimization
- Manage cost of cash holding at branch
Major Activities – Branch Profitability - Enhance for CASA and Time Deposits through service led Sales at branches
- Monitor daily inflow and outflow reports, GL reports and Day Book reports
- Incremental growth in, home loans and auto loans sourcing at applicable locations
- Activate specialized desks depending upon the catchment to generate fee income
- Ensure optimal cash holdings at branch so as to reduce idle cash lying at branch
- Increase in third party product penetration to enhance fee income opportunity
Principal Accountabilities – Brand Administration - Adhere to standardized Brand guidelines - inside the branch and outside the branch
- Branch upkeep and maintenance – spic & span
- Availability of necessary infrastructure in branch
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