Area Head - Rural HL

The role of Area Head - Rural HL in the Rural Banking department involves managing and expanding the Rural banking business for the assigned branches. Your primary goal will be to create strategies that drive growth targets for the branches efficiently and effectively. This includes overseeing operations, managing resources, and leveraging technology to enhance operational efficiency. You will also focus on building strong relationships with local dealers to increase business volume and establish your branch as their preferred financial partner. It is crucial to expand branch footprint, improve product penetration, and deliver exceptional customer service. Collaboration with product and operations teams is essential for successful customer acquisition, servicing, and retention. Additionally, you will be responsible for developing teams, systems, processes, and a culture that aligns with the branch network's scale. Your role involves ensuring customer and employee satisfaction while contributing to the branch banking objectives. Responsibilities: - Take ownership of the P&L for assigned branches and oversee operational aspects such as distribution operations, customer service, administration, and sales. - Implement region-specific strategies to exceed business goals and targets. - Work towards achieving sustainable profitability for both Assets and Liabilities sales in the branches. - Manage people, processes, and documentation for the assigned region's branches, focusing on sustainable profitability. - Provide insights on the competitive landscape and market dynamics to the product teams. - Lead a team of branch managers to drive client acquisition, deepen existing relationships, and cater to customer needs with a range of banking services. - Ensure pricing, business processes, and policies align with organizational objectives. - Monitor portfolio quality, loan limits, and collaborate with risk and credit teams for corrective actions. - Conduct field audits, customer verifications, and ensure compliance with statutory requirements. - Develop capabilities to sell multiple products across different locations. - Share knowledge and best practices with other regions and branches. - Uphold high ethical standards, regulatory compliance, and cultivate relationships with individual and corporate customers. - Spearhead manpower planning, recruitment, training processes, and implement community development initiatives. - Provide training, coaching, and guidance to branch personnel for their professional development. - Evaluate new initiatives for operational efficiency and collaborate with other departments to enhance customer offerings. Managerial & Leadership Responsibilities: - Mentor and coach senior team members to instill customer-centric values, innovation, compliance, and integrity. - Encourage automation and digital enablement to meet customer needs effectively. - Attract and retain top talent to support the bank's growth targets. - Foster strong employee relationships, motivation, and engagement to drive results and ensure high levels of employee satisfaction. Education Qualification: - Graduation in BA / BCom / BBA / BSc / BTech / BE or any other graduate field. Experience: - 5-10 years of relevant experience in Rural Branch Banking or allied Business.,