Manager-Liabilities Strategy

ROLE PURPOSE & OBJECTIVE

• Support creation and periodically modification of bank's medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.
• To identify, plan, and support execute strategic initiatives that drive sustainable liabilities growth, reduce cost of funds, improve branch and overall profitability in alignment with organizational vision and regulatory requirements.
• Ensure envisioned outcomes of the identified initiatives are achieved within desired timelines.
• Monitor and report on key performance indicators to measure the success of strategic initiatives

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Liabilities: 36,000+ Cr.

• Number of portfolio products: 20+

KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

• Support the annual strategic planning exercise across businesses and quarterly strategy reviews
• Develop deposit mobilization strategies to support asset growth and optimize cost of funds
• Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats.
• Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions.
• Oversee liability portfolio performance including CASA ratio optimization and deposit retention strategies
• Formulate branch expansion strategies ensuring 25% rural presence requirement

Customer (Both Internal & External)

• Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings
• Collaborate with branch teams to improve customer acquisition and relationship deepening initiatives
• Identify customer experience enhancement initiatives
• Identify partnership opportunities with fintech companies

Internal Process

• Management presentations on strategic initiatives and market developments
• Collaborate extensively internally to ensure the Banks strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Banks overall objectives.
• Establish governance frameworks for strategic initiatives, ensuring that all new initiatives are monitored for success and aligned with the banks strategic priorities.
• Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Banks progress against its objectives.
• Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution.
• Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank
• Analyze risks and complex issues to provide strategic guidance & efficient solutions.
• Ensure timely submission of all regulatory reports with zero non-compliance instances

Innovation & Learning

• Research industry best practices and emerging trends in liability management
• Support organizational transformation and change management initiatives
• Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges.
• Foster collaborative working relationships across departments and regions

MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Essential : Master's degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking
• Preferred : Additional professional qualifications such as CFA, CA, or equivalent
• Alternative : Master's in Economics, Finance, or related field with demonstrated strategic experience

Experience Range (Years and Core Experience Type)

• Minimum : 8-12 years of progressive experience in banking, financial services, or strategic consulting.

Certifications

• Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous

Functional Skills

• Financial Analysis : Advanced financial modeling, ratio analysis, and performance measurement
• Strategic Planning : Business plan development, competitive analysis, and market research
• Data Analytics : Proficiency in data-driven decision making and analytics tools
• Regulatory Knowledge : Deep understanding of RBI guidelines, banking regulations, and compliance requirements
• Project Management : Experience managing complex, multi-stakeholder strategic initiatives

Behavioral Skills

• Strategic Thinking : Ability to analyze complex business scenarios and develop long-term solutions
• Communication : Excellent presentation and stakeholder management skills for board and senior management interactions
• Leadership : Strong collaborative leadership style to influence without direct authority
• Analytical Mindset : Data-driven decision making with attention to detail and accuracy
• Adaptability : Ability to thrive in fast-paced, regulatory environment with changing priorities

Competencies

• Business Acumen : Understanding of banking business models, revenue drivers, and risk factors
• Stakeholder Management : Building relationships across internal teams and external partners
• Problem Solving : Systematic approach to identifying issues and developing actionable solutions
• Change Management : Leading organizational transformation and strategic initiatives

KEY INTERACTIONS

INTERNAL

EXTERNAL

• Bank-wide departments on Products, Processes & Governance
• All Vertical / Functional stakeholders
• IT Project Teams
• Consultants
• Vertical Heads of Technology Vendors and Fintech Partners