About the role
About the Role
To manage a large distribution network of branches across the geographies with a focus on driving growth and
profitability in the retail business. To oversee the acquisition of new business, deepen existing customer
relationships and maintain operational efficiency, to drive customer service levels and look for areas to improve
client satisfaction. To envisage Axis Bank as a strong Brand in the country focused on customer service excellence
and delivery.
The role would have responsibility of the entire retail branch banking channel across north and east regions.
Since they are responsible for heading complete Retail Banking, the focus remains on GL Growth, Operations,
Compliance, P&L Management, Credit & Loan Administration and Customer Service.
The role will not have any ownership of credit risk or underwriting. The role is also not responsible for driving any
product creation or innovation since this is a distribution channel.
The incumbent is expected to shape the Bank’s strategy and have a key voice in organizational decision.
Key Responsibilities
Overall responsibility and accountability for the liabilities & wealth management business through the Branch
network in North and East Regions. The incumbent is expected to inspire, influence & build a strong team to
create a positive working culture, backed by discipline & an efficient operating rhythm
P&L responsibility:
· Achieving Retail Deposits,Savings Account & Current Account MDAB Targets
· Achieving desired mix of deposit targets as per defined ratios while keeping cost of funds in check
· Ensuring that branches meet deposit budgets
· Increasing Total Fee ( TPP, RFR, TxB)
· Branch Profitability and cost optimization
Risk, Audit and Compliance:
· Ensure risk compliance through completion of RAR observations, Repeat observations, RMP observations
(Timely as well as satisfactory closure)
· Maintaining Branch Operational Health Index
Asset Quality:
· Establish process and internal control and systems that can effectively monitor regulatory compliance
and help in fulfilling regulatory and internal guidelines
· Promote cross sell of deposits/ retails assets/ cards and do a deep dive analysis of customer behavior to
gain insights
Driving the people agenda: Delivery of HR proposition, including but not limited to, values, talent management,
internal mobility, culture, values, learning and development. Control attrition across grades for frontline and
non-frontline roles.
Operations and Process Quality: Drive Process Health and continuous improvement. Collaboration: Liaise with product teams, operations team, and other process owners Brand and External Stakeholders: Represent the Bank with Regulators and contribute to maintaining the brand image of Axis Bank through the branch distribution network Unique areas of impact: Driving the customer distinctiveness agenda through projects such as Sparsh and Achieving targets for Deposit mobilization.
Qualifications
Optimal qualification for success on the job is:
· Graduation / Post-Graduation (MBA-Marketing preferred) from a recognized institute
· 20+ years of experience in the BFSI sector.
Role Proficiencies:
For successful execution of the job, the candidate should possess:
· Adept at decision making and deriving actionable from data/analytics
· Strong communication, presentation & interpersonal skills
· People & Leadership skills