About the role
Job Title
Branch Manager - Retail Branch Banking
Business Unit
Retail Branch Banking
Reporting To
Cluster Head / Circle Head
Job Function and Role Type
Sales, Supervisory, Extensive Travel Required
Version No
2.0
Job Purpose
Manage branch profitability, customer relationships, and operational compliance. Drive business growth through target achievement and cross-sell initiatives.
Key Responsibilities
Achievement of Business Targets
Achieve income and contribution targets.
Achieve incremental CASA targets.
Ensure portfolio growth and cross-sell ratio.
Cross-sell products like Demat, Credit Cards, and Insurance.
Program / Channel Management
Manage revenue-generating roles and programs.
Achieve channel and cross-sell targets.
Ensure HNW portfolio management and customer service.
Complaints and Customer Management
Ensure branch sales model compliance.
Handle complaints and ensure timely resolution.
Control attrition and grow existing portfolios.
Organize customer meets for feedback.
People Management
Motivate and manage staff productivity.
Provide training on skills, products, and operations.
Monitor staff turnover and morale.
Review and Control
Review vault, cash, and key registers.
Ensure compliance with banking regulations.
Monitor audit ratings and operational errors.
Review progress against objectives periodically.
Education:
Graduation (minimum).
Certifications:
AMFI Certification (optional), IRDA Certification (optional), NCFM Certification (optional).
Key Competencies
Customer delight, Decision-making, Analytical ability, Team management, Cross-sell expertise.
Major Stakeholders
Customers, Admin/Infra/HR, Retail Marketing, Audit, IT, Product Development, RBI Officials.