Job
Description
Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business – they were made just right for you. Job Purpose* Drive overall business of the branch by ensuring exceptional customer service, proactive sales environment, seamless back-office operations and overall profitable branch* Enhance existing relationships with customers and build new relationships to increase the customer base* Ensure compliance with all applicable external and internal regulations and guidelinesKey Accountabilities* Drive implementation of the overall Bank strategy at branch level (asset and liability, marketing, sales, operations) in consultation with the Cluster Head* Develop and implement branch specific marketing & communication strategies to build DBS brand and to achieve branch targets* Owner of Branch P&L, Cascade the branch scorecard to branch and sales employees to ensure achievement of targets* Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budgetJob Duties and Responsibilities* Generate sales through assets, liability and other banking products as well as TPP* Monitor on a regular basis the actual achievement of sales targets vis-à-vis plans for the branch; take necessary action to minimize deviations, if any* Build and manage effective customer relationship with key customers tagged to him/her; enable superior customer service to them; Advise them on making robust investment and financial decisions* Reduce customer dormancy and customer attrition* Ensure branch target achievement through effective upselling and cross selling* Develop the business prospects in the branch vicinity by scouting for avenues to expand overall branch book, both assets & liability portfolio qualitatively & quantitatively* Ensure effective execution of marketing campaigns and conversion of customer referrals* Drive Business growth through prospective high net worth individuals, along with Relationship managers to maintain positive relationships* Address customer queries and grievances escalated by the branch personnel in a timely manner* Ensure Lead sharing with respective Business like IBG for Assets etc.* Manage public relations and liaison with local government authorities / RBI/ other banks for day to day branch operations and reporting* Support the internal and external audit team in carrying out the periodic branch audit; Formulate action plans to address the deviations found in audit* Provide guidance to branch personnel on effective customer relationship management, sales, customer service and compliance to ensure achievement of individual targets.* Take overall responsibility for identification of training needs and completion of mandatory certifications for branch personnel* Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team membersRequirements* 6-8 years in handling Branch of a reputed BankEducation / Preferred Qualifications* MBACore Competencies* Excellent interpersonal and communication skills* Ability to build strong relationships with clients.* Responsible* Ability to meet deadlines.* Knowledge about internal/external regulations.Technical Competencies* Good Computer KnowledgeWork Relationship* Effective communication between self and superior* Inter-personal skills & team player* Display of RED Attitude (Reliable, Easy to deal with & Dependable)DBS India - Culture & BehaviorsDBS is committed to building a culture where all employees are valued, respected and their opinions count.
We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are: * Ensure Customer Focus by Delighting Customers & Reduce Complaints* Build Pride and Passion to Protect, Maintain and Enhance DBS’ Reputation* Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement* Maintain the Highest Standards of Honesty and IntegrityApply NowWe offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements. Business FunctionAs the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage.
Our financial solutions are not only the best in the business – they were made just right for you. Job Purpose* To be responsible for the overall management of the Bank’s business & operations in the cluster (including branch level) in accordance specified guidelines, so as to ensure best of class client experience within acceptable level of risks. To be the P&L owner for assets and liabilities in the respective clusterKey Accountabilities* Responsibility for Cluster P&L, Serve as a pivotal member of the leadership team in formulating Bank goals & strategy (short term and long term) and translation of the same to business plan at a cluster and branch level* Develop and implement strategies and plans consistent with established goals in each product line and service in the cluster & ensure achievement of branch and cluster level Business Targets.* Collaborate with Product Teams, Operations Teams, Regional delivery teams, branches in developing operational plans for the cluster based on the overall targets and budgets for the region.* Regularly conducts detailed reviews of the Bank’s operations and takes appropriate decisions for reallocating resources and re-deciding priorities.* Recommend plan for setting up of new branches and ATMs in the region as per requirementsJob Duties & responsibilities Drive implementation of marketing promotions and campaigns across all product propositions in the respective cluster* Manage deployment of manpower across the branches in the respective cluster* Ensure efficient operations in the cluster by establishing and monitoring adherence to operational policies and procedures.* Develop and ensure implementation of changes in policies and procedures to improve productivity and service levels. Ensure adherence to turnaround time in all banking processes in the cluster such as account opening, grievance handling etc.* Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members.Required Experience12- 14 Years in Banking, NBFCEducation / Preferred Qualifications Graduate/MBACore Competencies * Stakeholder Management skills* Business focus with a sales acumen* Excellent interpersonal and communication skills* Ability to build strong relationships with clients.* Ability to meet deadlines.* Knowledge about internal/external regulations.Work Relationship* Leadership traits* Effective communication between self and superior* Inter-personal skills & team player* Display of RED Attitude (Reliable, Easy to deal with & Dependable)DBS India - Culture & Behaviors* Performance through Value Based Propositions* Ensure customer focus by delighting customers & reduce complaints* Build pride and passion to protect, maintain and enhance DBS’ image and reputation* Enhance knowledge base, build skill sets & develop competencies* Execute at speed while maintaining error free operations* Maintain the highest standards of honesty and integrity
