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Location

Tiruchirappalli | India

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Job description

Dear Candidates,

Good Day..!!

We Are Hiring for Branch Relationship Manager.

Designation: Branch Relationship Manager Grade: DM/M
Legal Entity: Equitas Small Finance Bank Business Unit: Branch Banking
Division: Liabilities Department: Liabilities
Travel required: Yes Level of travel: Extensive
Level: Individual

Job Dimension
Reporting To Branch Manager
Direct Reports Nill
Indirect Reports Nill
Geographic spread Respective Branch Mapping

Purpose of the role:
• Generate potential New to Bank Customers and identify opportunities for greater profits
• Fostering strong relationships with existing set of customers mapped and to offer them best investment solutions.
• Build Book of potential Customers for himself and for the Bank

Key Responsibilities:

1. Acquisition of new Customers and Increase book .
2. Establish smooth relationships with new & existing clientele to generate new business and to solicit referrals.
3. Cross sell and Upsell of all the Banking Products, Assets, Digital channel activation, Activation of digital wealth management, etc.
4. Responsible for catering the investment needs of clients by providing them research based advises.
5. Interfacing all queries of Clients and understanding their investment needs.
6. Manage portfolios of clients and offer them investment solutions.
7. Investment Advisory to new and existing Clients and achieve revenue targets monthly.
8. Promote high quality sales, supply and customer service processes
9. Provide Market Feedback( New Product, Pricing, Competitor's Activity, etc.)
Indicative Tasks Competencies
Business Perspective
New Client Acquisition and Revenue generation

- Analytical Skills
- Planning
- Market Intelligence
- Result Orientation
- Decision Making

Contribute to P&L of the branch assigned
Regulate and control expenses relating to infrastructure and other operating costs
Track and monitor cost of transactions, cost of acquisition at the branch
Analyze trends in the area and provide inputs towards expansion of branch network
Develop initiatives to increase sales, customer base and enhance Equitas image in the location
Process Perspective
Multiple Product Basket – Specific Product Vs Revenue
- Analytical Skills
- Execution Excellence
- Collaboration
Contribute towards Branch Revenue
Identify issues faced by branches and report to respective Branch Manager
Track and ensure quality of portfolio & collection efficiency through Bucket & NPA Management for branches as per stipulated norms
Ensure strict adherence of risk parameters to mitigate the occurrence of customer and employee frauds
Stick to processes and timelines to ensure maximum branch productivity
Provide support for implementation of various initiatives across branches
Zero compliance on Audits
Customer Perspective
Build, manage and promote relationship with existing/new customers to generate new business and to solicit referrals

Building Relationships
- Selling Skills

Ensure continuous generation of business through efficient relationship management
Proactively identify gaps in the existing model and devise appropriate measures to improve customer service
Effectively handle customer complaints, if any
Track market trends and competitor practices across product lines. Carry out market and competitor analysis for the area
Analyze trends in the area and provide inputs towards expansion of branch network
Learning & Growth Perspective
Work with the Branch Manager / Cluster/Zonal Manager to set targets for individual considering market conditions, potential and past performance - Team Management
- Coaching
- Collaboration

Continuous learning from the market and self-Upgradation
Understand competitor pricing and strategy
Nurture and align with whole team to take up larger roles and responsibility
Align towards Equitas core values and Mission in conducting the business
Constant efforts for Brand Positioning

Key Results Area

KEY PERFORMANCE INDICATOR
CASA Deepening AMB
(Quarter beginning mapped Book) % of Book Growth
CASA NTB AMB Target Vs Achievement
TPP Revenue - in Rs.
(Investments, Insurance & *Asset Referral) Target Vs Achievement
PPI - Product Penetration Index
(Average Growth @ Portfolio Level) @ 0.6 in H2 % of Achievement
NTB Acquisition #
(number of *qualified accounts) % of Achievement
TD book growth - in lacs
(NTB + Quarter Beginning Mapped Book) % of Achievement
'NILL' deviations in Audit/KYC/AML/Compliance norm % of Achievement
Activation of customers in digital channel(Internet, Mobile & Debit Card) (min 70% customers) % of Achievement
'NILL' escalations/complaints pertaining to customer service % of Achievement
NISM Certification with Valid EUIN YES/NO
Grouping in % of Book (min 30% of accounts to be having Group relationship) % of Achievement

Desired Experience & Qualification:
• Post Graduate with 3+ years of relevant experience in Acquisition/relationship management
• Good local Network and Must have good knowledge of investment Products
• Proven capacity to aim on Revenue targets and handle multitasking.
• Experienced folks from Banking/NBFC/Boutique Wealth Firms
• Strong Communication Skills

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