The Job
- Should be able to understand strategy, business plan & operations plan relating to small & medium / mid – market enterprises banking in terms of segment mix, portfolio mix and such other factors that will help achieve the targets
- Job holder has to be up-to-date on all applicable policies, procedures & guidelines that would help in fulfilling the business & operations plan
- Periodically map all customer segments & business opportunity that hold potential for SME’s and MM’s in the assigned Branches
- Acquisition of new customers to grow the portfolio to generate NI & fee income and maintain product mix during the year as per the target assigned
- Maintain portfolio standards and manage delinquencies as per target assigned
- Deepen the relationship by cross-selling / up-selling variety of products to improve customer stickiness & improve profitability for the region
- Ensure that optimal levels of Income are generated for each client / Ensure that the customer group profitability is achieved for the branch portfolio
- To establish a robust internal control environment that is periodically reviewed & strengthened, through self-audits, periodic checks and such others, as per policy
- Provide inputs and adhere to the integrated risk management framework that protects the bank from all forms of risks such as - credit risk, operating risk, project risk, reputation risk etc.
- Track customer complaints/queries and turnaround times for customer satisfaction
- To provide appropriate MIS for each business line that helps in decision-making, as per policy
Entry Requirements
The Person
- Full/ Part qualified in IBSL and/or Diploma/ Degree in Marketing or Business Administration
- Minimum 3-years’ experience in branch banking (If one of the above Qualifications are fulfilled)
- Minimum 4-years’ experience in branch banking (If you do not meet any of the requirements listed above)
- Excellence in Planning & Organizing, Relationship Management & People Management
- Possess strong negotiation, coordination & communication skills
- Possess Commercial acumen & Leadership skills
- Should possess a minimum rating of “Meets Expectation” for the last performance year
- Should not have a disciplinary inquiry under investigation