Manager-Current Account

1. UPOSITION DESCRIPTION

JOB TITLE

Manager-Current Account

GRADE

M

DEPARTMENT

Branch Banking, TASC & TPP

LOCATION

Branch

SUB-DEPARTMENT

Branch Banking

TYPE OF POSITION

Full-time

REPORTS TO

BSM / Branch Manager (where ever BSM is not available)

REPORTING INTO

1. ROLE PURPOSE & OBJECTIVE

• This role is responsible for acquiring new current account customers from the open market and cross-selling of products/services as per the profile & need of the customers.

• This role drives the current account business for the respective branch and ensure the CA targets for the branch is met.

• The incumbent provides service to NTB current account customers.

• This role also handles cross selling of QR & POS and is accountable for adherence to compliance and regulatory norms.

1. SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

• CA Numbers: 5 to 8 Current accounts (based on vintage)

• CA Values: 9 lacs to 15 lacs incr. CA value (based on vintage)

• TPP Wgt Premium: 0.40 lacs to 0.65 lacs (based on vintage)

• Current accounts, Saving Accounts, Term Deposits, Life insurance, Health/General Insurance, Dmat, Mutual Funds, SIP, ASBA etc

1. KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business

• Meet the set targets on current account in terms of open market acquisition

• Focus on building the current account book for the bank

• Understand need and acquire customers who meet the criteria for liability products through either of the below channels:

• Leads generated by branch staff and personal leads

• Referrals generated from existing customers

• Alternate channels

• Maintain the database of the prospects, meet select prospects and manage the relationship thereafter

• Accompany MSE staffs on the field for actively driving conversion of existing borrowing customers into liabilities customers

• Cross sell other products of Ujjivan such as QR, POS & TPP and pass on quality leads to respective MSE loan officers

• Share customer insights/product related feedback with the Branch Manager

Customers

• Interact with customers in a courteous and professional manner; provide prompt, efficient and accurate services

• Reduce customer dormancy and customer attrition by continuous engagement / interaction

• Resolves the customer queries.

Internal Processes

• Guide the customer to fill the ‘Account Opening Form’; ensure receipt and verification of KYC documents; obtain customer signatures on all mandatory documents

• Strictly adhere & maintain compliance to KYC norms

• Drive the cross sell of other products such as QR, POS & TPP

Learning & Performance

• Maintain up to date knowledge of the liability products and services as well as a working knowledge of other products offered in the branch

• Ensure adherence to training man-days/ mandatory training programs for self

• Ensure goal setting, mid-year review and performance appraisal processes are completed within specified timelines

1. MINIMUM REQUIREMENTS OF KNOWLEDGE & SKILLS

Educational

Qualifications

• Graduate, preferably in commerce and related streams

Experience (Years and Core Experience Type)

• Minimum 2-7 years of experience in retail branch banking (preferable in CA sales)

Certifications

• If required

Functional Skills

• Basic knowledge on retail banking products especially current account

• Documentation skills

• Process compliance focus

• Communication skills: fluent in the local language

Behavioral Skills

• Courteous customer service skills

• Time Management

• Selling skills

• Telephonic cold calling skills

• Willingness to travel & relocation as per business requirements and career opportunities

Competencies

• Planning and Organizing

• Customer Focus

• Managing Relationships

• Driving Execution

• Collaborating

• Coaching

• Business Acumen

• Influencing

1. KEY INTERACTIONS

INTERNAL

EXTERNAL

• Business Teams

• Customers

PREPARED BY: Balaji Sriram

DATE: 21-06-2025

REVIEWED BY

DATE:

LAST UPDATED BY: TM Team

DATE: 30-06-2025