Bm - Tirur

Branch Manager - Branch banking A Organization Context Position Title Branch Manager Employee Name Designation Department Branch Banking Location Branch Reports to Cluster Head Reported by - B Job Objective To lead the overall business operations of the branch through exceptional customer service smooth flow of banking operations and transactions cost management while ensuring compliance with all applicable external and internal regulations and guidelines C Primary responsibilities Strategic and planning Execute overall plans at Branch level in consultation with the Cluster Head Cascade the branch scorecard to the employees and ensure achievement of targets Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budget Functional Build and manage effective customer relationship with key customers of the branch ensuring superior customer service advise them on making robust investment and financial decisions Formulate strategies to capitalise the existing market opportunities to meet the needs of the Branch Banking segment Recommend marketing strategies and plans consistent with established goals in each product line and service and ensure implementation of the same on approval Recommend products variants to the Organisation to constantly improve the Bank s competitive position in the market Oversee and ensure that every employee in the branch is following the Compliance policies of the organisation Support the Audit team in ensuring they carry out their audit activities smoothly in the branch Ensuring the branch maintains its Hygiene as per the quality standards of the organization Develop annual operational sales plans in conjunction with Channel Head based on the overall targets and budgets and prioritise the overall efforts by service and allocation of resources Ensure product Process knowledge to all staff Effective utilization of branch s marketing budget Continually monitor the market by way of area mapping to determine the market size and market penetration of the Bank s liability products third party products and services Evaluate the timely adjustment of marketing strategy and plans in the operational area to meet changing markets and competitive conditions Responsible for maintaining hygiene of the branch to improve employee and customer experience Provide suggestions to the product manager to develop new liability and third-party products and services in line with regional preferences Work in collaboration with Marketing Department in implementing local sales promotion plans and evaluate the effect of such campaigns Recommend strategies to reach potential customers based on the evaluation Analyse Market competitor services and prices and synthesize information to develop cost analysis and recommendations for the Bank s products Manage very important customers HNIs Government Social Deposit etc to discuss their needs outlining appropriate services and resolving problems as appropriate Meet specified number of customers suggested by the corporate office every month Achieve segment-wise liability and cross-selling targets set for the branch Co-ordinate the Bank s participation in trade shows and community events in the catchment to promote products and services Lead the identification of target customer segments and ensure that relevant strategies are developed so as to maximize market penetration and profitability Facilitate the smooth customer service disbursement and operation of micro banking segment Establish the culture of cross-selling within the Branch banking team by guiding them in understanding requirements of the customer Ensure seamless integration between the different strategic business units operating within the operational area to achieve the overall target of the Bank Regularly monitor the performance of Branch Banking Department and take corrective action if required to ensure achievement of set target Timely escalation of issues pain points etc for resolution Internal process Ensure that all activities carried out by the branch are as per the set standard operating procedures Ensure adherence to STP straight through process in all documentations and ensure the NSTP FTNR is under control Monitor processes to ensure adherence to Service Level Agreements and Turnaround time Review preparation of reports to Head Office and statutory bodies ensuring its accuracy and timely submission Be updated on the regulatory framework and guidelines pertaining to the operational area guide the team on the same in order to ensure that operational procedures related to the operational area conform to such guidelines People development Ensure that the employees maintain the highest standards of professional conduct ethics integrity and control in execution of all their daily operations Drive a performance driven culture by timely monitoring reviewing of performance parameters and giving feedback to the team members Take responsibility for identification of training needs and completion of mandatory training programs certifications for self and reportees Mentor and coach subordinates to develop the team s capabilities and build a robust succession pipeline Ensure that the operational area is adequately staffed as per the manpower requirements Ensure high level of employee engagement and retention of key performers Any other additional responsibility could be assigned to the role holder from time to time as a standalone project or regular work The same would be suitably represented in the Primary responsibilities and agreed between the incumbent reporting officer and HR D Key Interfaces Internal Interfaces External Interfaces Micro-Banking Department Customer Service Department Regional Heads of Branch Banking Retail Assets Department Cluster Heads Other Divisional Heads Customer HNIs Foundations Government Departments Regulatory authorities Vendors External Consultants E Key Performance Parameters Key Result Areas KRA Key Performance Indicators KPI Unit of Measurement Action plan People 20 Creating a conducive environment of maintain a high level of employee engagement teamwork KPI achievement of team of Target expectation met 5 1 Fixation SMART KPIs 2 KPI review meeting 3 Zero Employees in PIP Any Individual target set by Branch Head Cluster Head of Target expectation met 5 1 Achieve any individual set by Branch Head Cluster Head Training Manhours Certifications Attained of completion of target 2 1 Mandatory certification like IRDA AMFI before completion of Focus on employee retention by Coaching and mentoring them probation 2 Training Participation Number of employee engagement activities of Employee Engagement Activities conducted 2 1 Participation of the Branch in Employee Engagement activities Relationship with Business correspondent of Effectiveness 2 1 Working with other departments Employee retention of Retention 2 1 Create Enhance Role clarity Employee promotions of employees promoted 2 1 Business support 2 Mentoring and coaching Planet Actively participate in the organisation s commitment in pro plant business sustainability initiatives Account holders from Low income families of accounts 8 1 Active participation in the initiatives of the bank that target Low Income Groups Business success stories of women customers of accounts 4 Participation and organising of events Reduction of Carbon footprint of initiatives 3 1 Energy conservation initiatives Process 15 Manage statutory compliance and high score during internal audits Audit score by internal audit index 3 Branch health operation health index of Non- Conformities 2 Ops dash board Statutory compliance of adherence 2 RBI KYC etc Creating awareness in customers about manging their banking digitally Digital penetration achieved 2 Mobile banking net banking speed banking etc Branch Ambience up keep of Effectiveness 2 1 Ensure Branch Ambience up Keep 2 Display all stand notification assigned from central office Operations Hygiene Operations Hygiene errors 2 Ethical operational practices Timely completion of EOD of achievement 4 Ensure timely completion of EOD Commented A1 This should move to BOM Prosperity 30 Sustainably enhance the turnover and profit of organisation by focusing on CASA numbers and volume Establish high levels of customer satisfaction Budget Financial Target achievement of achievement 5 1 Enhance revenue from CASA 2 Enhance net Interest Income 3 Achievement of liability targets 4 Enhance NRI services 5 Revenue from new products Increase Branch profitability of Increase 5 1 Enhance Fee income 2 Branch specific Third -Party Products strategy Number of CASA Target Vs Achievement 4 1 various activities organised to create new numbers 2 New to Bank activities CASA Value Target Vs Achievement 4 various activities organised to create new numbers Revenue from cross sell of loans etc Target Vs Achievement 4 various activities organised to create new numbers Revenue form Old Book Management Target Vs Achievement 4 various activities organised to increase Business from existing Customers - Old Book Management Customer Satisfaction Index Index 4 1 Low down time of service 2 Enhance service accessibility 3 Effectiveness of complaint handing 4 Zero escalations in Complaints F Minimum Requirements Level of Education Graduation in any discipline Experience 10 years minimum in similar field Prepared By Date Signature Commented A2 Change to CASA value Commented A3 Add Cross sell of loans Commented A4 Change to Old book management Reviewed By Date Signature