Bharat Banking: Area Head

Job Description About Bharat Banking The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or Bharat markets. To better capitalize on the growth runway and open the world of possibilities for the Bharat customer, the bank has set up a separate Bharat Bank vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches. The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer. The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring. About the Role . You will be part of Distribution team under Bharat Banking Vertical . You will be responsible for handling Bharat Bank Agenda of the Bank for Clusters & branches mapped i.e., Bharat Bank Branches performance, RO Channel, Partnerships & key strategic initiatives in Bharat Branches of respective clusters Key Responsibilities . You will be responsible for driving Asset disbursement budgets & Deposits from assigned Bharat Bank Branches . You will be responsible for Partnership channel/VLE activation for the assigned geographies & driving Asset disbursement budgets & Deposit budgets through the same. . You will be responsible for managing distribution BBRO Channel in your location i.e. Driving Activation, productivity of Assets and Cross Sell products (Liabilities, cards etc.) along with ensuring multi product sourcing. . Work on key Strategic segmental Initiatives viz-a-viz CTD, Mandi Ecosystem, execution and scale the same in Bharat Bank Branches along with delivering the business objectives/assigned targets. . Conduct of Training, Recognition and Branch Engagement programs . Develop and implement sales strategy to achieve business expectations for all product lines from Bharat Bank Branches in close coordination with Product/Sales teams of respective products. . Ensuring operational efficiency, grievance redressal & service support to all Bharat Bank Branches . Micro market mapping & market scoping activities to map potential catchment in each location. . Monitor and implement activities critical to business channel on regular basis. . New Bharat Bank Branches Launch plan & Micro marketing activities viz Prelaunch/Launch/Post launch activities in your location with close coordination with Branch Banking & Marketing team. Qualifications Optimal qualification for success on the job is: . MBA / Postgraduate/Graduate . 4+ years of experience in Banks, NBFC's preferably from Retail banking Program Management, cross sell background, Channel sales or distribution handling roles Role Proficiencies: For successful execution of the job, a candidate should possess the following: . Knowledge In Depth Knowledge of banking, asset, and liability products. . Skills Strong Experience in channel management Sales planning and development People Skills/Team management In Depth knowledge of asset and liability business Good communication (both verbal & written) and inter-personal skills. . Abilities Self-motivated with a passion for taking ownership of your work and delivering outcomes Proactive, thoughtful, & highly organized able to work under tight deadlines while maintaining impeccable attention to detail. Ability to work effectively across functions and demonstrated ability to coach and mentor others Ability to manage risk and uncertainty for self and team within a dynamic priority-setting environment Ability to prioritize and make decisions in a fast-paced environment Ability to work as a part of team and contribute towards team goals Ability to manage multiple tasks/projects simultaneously.