Manager-Current Account

ROLE PURPOSE & OBJECTIVE

This role is responsible for acquiring new current account customers from the open market and cross-selling of products/services as per the profile & need of the customers.

This role drives the current account business for the respective branch and ensure the CA targets for the branch is met.

The incumbent provides service to NTB current account customers.

This role also handles cross selling of QR & POS and is accountable for adherence to compliance and regulatory norms.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

CA Numbers: 5 to 8 Current accounts (based on vintage)

CA Values: 9 lacs to 15 lacs incr. CA value (based on vintage)

TPP Wgt Premium: 0.40 lacs to 0.65 lacs (based on vintage)

• Current accounts, Saving Accounts, Term Deposits, Life insurance, Health/General Insurance, Dmat, Mutual Funds, SIP, ASBA etc

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

Meet the set targets on current account in terms of open market acquisition

Focus on building the current account book for the bank

Understand need and acquire customers who meet the criteria for liability products through either of the below channels:

o Leads generated by branch staff and personal leads

o Referrals generated from existing customers

o Alternate channels

Maintain the database of the prospects, meet select prospects and manage the relationship thereafter

Accompany MSE staffs on the field for actively driving conversion of existing borrowing customers into liabilities customers

Cross sell other products of Ujjivan such as QR, POS & TPP and pass on quality leads to respective MSE loan officers

Share customer insights/product related feedback with the Branch Manager

Customers

Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services

Reduce customer dormancy and customer attrition by continuous engagement / interaction

Resolves the customer queries.

Internal Processes

Guide the customer to fill the Account Opening Form; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents

Strictly adhere & maintain compliance to KYC norms

Drive the cross sell of other products such as QR, POS & TPP

Learning & Performance

Maintain up to date knowledge of the liability products and services as well as a working knowledge of other products offered in the branch

Ensure adherence to training man-days/ mandatory training programs for self

Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

Graduate, preferably in commerce and related streams

Experience (Years and Core Experience Type)

Minimum 2-7 years of experience in retail branch banking (preferable in CA sales)

Certifications

If required

Functional Skills

Basic knowledge on retail banking products especially current account

Documentation skills

Process compliance focus

Communication skills: fluent in the local language

Behavioral Skills

Courteous customer service skills

Time Management

Selling skills

Telephonic cold calling skills

Willingness to travel & relocation as per business requirements and career opportunities

Competencies

Planning and Organizing

Customer Focus

Managing Relationships

Driving Execution

Collaborating

Coaching

Business Acumen

Influencing

KEY INTERACTIONS

INTERNAL

EXTERNAL

Business Teams

Customers

Location - Bengaluru , Belgaum , Chennai , Coimbatore , Davangere , Erode , Hyderabad , Kothamangalam , Nagar , Ramanathapuram , Tiruvannamalai , Thrissur , Tiruchirapalli