Manager-Products Branch Banking

REPORTS TO

Chief of Staff

REPORTING INTO

APM

1. ROLE PURPOSE & OBJECTIVE

• Responsible for overall segment strategy including sales planning, product designing, strategic launch, training of sales force and monitoring of product performance
• Developing the customized product/proposition and continuously work on upgrading the same
• Regular product benchmarking with competition and strategy for product re-alignment
• Monitoring and managing the segment/product profitability
• Lead the cross functional team for technical and operational processes for successful launch of product
• Developing the detailed engagement plan for keeping the segment transactional
• Working with marketing for regular BTL activity and managing the complete product communication and life cycle

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• NA

• Internal Audit, Compliance, Operations Finance and Risk;

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Own the business segment and ensure the branches achieve their budgeted numbers for that segment.
• Review the portfolio and increase the pocket share of customer
• Drive the engagement strategy and increase the number of product per customer

Customer

• Develop and implement suitable marketing/sales strategies to deepen customer relationships
• Ensure the process in place to resolve escalated customer queries/complaints within the prescribed TAT
• Train the sales team to improve the products knowledge, product per customers by additional cross sell and up sell of Ujjivan products to the existing customers.

Internal Process

• Continually scan the market to determine the market size and market penetration of the retail, liability products vis--vis competition; formulate strategies to leverage opportunities and mitigate risks
• Conduct continuous review process for maintaining the product profitability margin.
• Drive the campaigns across the cluster for respective retail liability products

Learning & Performance

• Ensure that the reports within the team maintain the highest standards of professional conduct, ethics, integrity, and control in execution of all their daily operations
• Take overall responsibility for identification of training needs and completion of mandatory training programs/certifications for self and team members.

Ensure goal-setting, midyear -review and annual appraisal process happens within specified timelines for self and reports.

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• MBA or equivalent in Marketing or Finance

Experience

• 5-8 Years of experience in retail liabilities products

Certifications

• Optional

Functional Skills

• Business Acumen
• Knowledge of all liabilities and TPP products
• Good understanding of market & competitive landscape
• Regulatory and Compliance focus: AML, KYC guidelines
• Process Orientation: Adherence to TAT and SLAs

Behavioral Skills

• People management
• Interpersonal skills
• Pro-active and Innovative
• Good analytical & presentation skills
• Time Management
• Sales Orientation
• Ability to communicate Has good verbal fluency and uses simple, clear and purposeful language

Competencies

• Planning & Organizing
• Driving Execution
• Building Partnerships

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Product Managers of Branch Banking and other business units
• Branch Banking Sales Team in Branches
• RSMs and RBMs of Branch Banking and other business units
• Other Business Units
• Personal loan team
• Compliance & Risk
• Operations & Channels

• TPP Partners
• HR of Corporates
• Partners of other corporates