Area Head -Rural HL

Job Requirements

Job Requirements

Role/Job Title:

Function/Department:

Job Purpose

Responsibilities

Roles & Responsibilities:

• Own the P&L for the branches assigned and direct all operational aspects including distribution operations, customer service, administration and sales.
• Achieve & exceed Business goals and targets by implementing region specific strategies.
• Responsible for working towards achieving sustainable profitability for both Assets and Liabilities sales of the branches.
• Custodian of people, processes and documents for the branches for the assigned region; expected to manage the P&L for the branches and work towards achieving sustainable profitability.
• Understand competitive landscape and market dynamics and provide necessary feedback to product teams.
• Manage a team of branch managers to drive client acquisition, deepening of existing relationships and addressing all needs of customers by providing gamut of banking services.
• Monitor collections and recoveries of repayments against loans.
• Ensure pricing, business process & policies are in organizations best interest.
• Assess and monitor portfolio quality and loan limits by working closely with risk & credit teams, to take necessary corrective actions.
• Conduct field audits and customer verifications.
• Achieve productivity, efficiency, financial (budget and cash flow), customer service targets and ensure statutory compliance for the branches.
• Responsible for building capabilities to sell multiple products, across locations.
• Share knowledge with other regions, clusters branches and headquarters on effective practices, competitive intelligence, business opportunities and needs.
• Adhere to high ethical standards and comply with all regulations/applicable laws.
• Cultivate relationships with individual and corporate customers.
• Spearhead manpower planning, recruitment and training processes for both on-roll and off-roll employees to ensure high performing talent across levels.
• Develop and implement livelihood advancement and community development initiatives.
• Bring out the best of branch’s personnel by providing training, coaching, development and guidance.
• Evaluate the feasibility of new initiatives in offering, channel & process point of view and ensure its implementation to improve overall operational efficiency.
• Collaborate with other branch departments and functions to provide products and service offerings to the customer.
  

Managerial & Leadership Responsibilities

• Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity.
• Create environment for team to focus on automation and digital enablement to fulfil customer’s needs holistically.
• Attract & retain best-in class talent to meet Bank's rapid growth targets.
• Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction.
  

Education Qualification

Experience: