Branch Manager

Position Title : Branch Head Branch

Department : SME, India

Section : IBG 4

Reports To : Regional Lead

Job Purpose

- Oversee the business from the branch,
- Drive revenue growth of the Geographical cluster and various touch points through both asset & liability RM team
- To be responsible for managing & growing the Asset & Liability book, across businesses- SME and CBG- Retail
- To ensure profitable and quality client onboarding.
- Driving Profit and loss of the cluster branch and overall development of franchise in local market.
- Ensuring RED / best in class customer service / experience
- Responsible for Audit, Governance and Control
- Follow One Bank philosophy

Key Accountabilities

- Devise and implement a strategy to primarily grow the SME and retail business in cluster (both liability and asset business) and to regularly interact with Regional Segment Heads and central team to ensure the same.
- Developments of products include Working capital clients, Institutional liabilities clients, Saving account, Insurance, Investments, Current account, Term deposits and Corporate Salary business.
- Should be able to successfully cross sell all banking products between corporate and individual products
- Build asset and liability book by ensuring appropriate product profitability (ROA, ROE, NIM, etc) and risk quality.
- To ensure the Risk taken is appropriate and in line with the returns
- To ensure active front office market coverage of SME Business and to establish the DBS Brand and presence with all our target customer groups and relevant parties.
- Assist in cross selling bank products from SME and CBG Retail stable to the customers.
- Monitor and ensure financial goals are met with co-ordination across various business segments.
- Ensure adherence of processes, rules, guidelines of the bank including maintaining satisfactory audits of the branch.
- Ensure that all aspects of internal Governance are met, monitor compliance issues, and proactively highlight / escalate any issues.
- Operationalize, Leverage all the touch points in the vicinity of branch,
- Ensuring RED / best in class customer service / experience
- Is responsible for Audit, Governance and Control

Job Duties & Responsibilities

- Develop the SME and retail client base in cluster, including target identification.
- Manage all Eco-system partner relationship and drive business through the same
- Prepare and track client plans for existing clients.
- Cross sale and Service the existing relationships and enhance revenue and ROE thereof.
- Maintain credit risk quality of the asset portfolio
- Ensuring Onboarding, Training and career development of the employees in the branch.
- Maintain oversight on controls instituted by Credit Administration
- Maintain compliance with regulatory / Internal requirements
- Communication - To clearly and regularly communicate on behalf of the cluster with Regional led, and Head Office, as appropriate
- Ensure adequate staffing and drive productivity for internal & outsourced staff

Experience

At least 12-18 years of experience, in Banking / Financial Services sector post qualification

Education

Basic minimum : Post Graduate Degree, preferably in business, economics, finance, etc, CA / MBA

Core Competencies

- Leadership, Strategic thinking, ability to coach, counsel and provide direction
- Interactive skills to manage customers, inter-departmental interactions
- Business sense - sound judgement, creativity, analytical insight
- Communication skills - oral writing and presentation skills.
- Manage large and diverse team based across multiple touch points.
- Should understand the local language and understand the customers in the micro market.

India-Uttar Pradesh-Lucknow