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Ratnakar Bank Hiring for Branch Manager Job at Patna

  • Full Time
  • Patna
  • Posted 3 years ago

Ratnakar Bank

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Branch Manager(Job Number: 28032022125546)

Description

Activity Sheet: Branch Manager

Business Group: Retail and Consumer Banking Group

Objective:

Execute and monitor overall administration and efficient daily operations of a full service branch office; including operations, lending, product sales, customer service, security and safety in accordance with the Bank’s objectives.

Principal Accountabilities – Sales & Business Development:

Achievement of incremental number and value targets for Liabilities (CA, SA, FD); Assets (Home, Auto & other assets) and Fee Products (MF, LI, GI, Gold & other fee products)
Prepare and monitor Sales plan for the branch
Build a healthy asset and liability book.
Increase market share in the catchment area (3 to 5 kms radius)

Major Activities – Sales & Business Development:

Sales Planning :
    Prepare and track product wise – liabilities, assets & fee – AOP for the full financial year.
    Commerce and catchment mapping
    Prepare and review monthly activity calendar of outbound activities of BSM / JO
    Roll out MOP for outbound and inbound sales on 1st of every month followed by weekly and monthly reviews.
    Review all employees in branch quarterly.
    Review productivity of BSMs / BOM’s/ JOs on a weekly basis.
Review and handhold BOM’s & BSMs on a daily basis and Sales Officers (JOs) on a weekly basis.
Conduct Daily Morning Huddles to discuss daily plan and agenda for employees.
Ensure proper on-boarding of all new customers acquired.
Sale of 3 products per customer within 90 days of account opening.
Track inflow outflow reports, account closures, FD renewals, FD closures, overdue FD, locker occupancy, Sales and thus daily business generation
Maintain quality of customer acquisition through sourcing mix and on-boarding process.
Monitoring DSRs on a regular basis.
Lead management proper assignment and closure of leads.
Tapping markets or customer segments within the catchment of the branch, which are hitherto untapped, to increase the GL Base of the branch.

Principal Accountabilities – Customer Service :

Manage Key Branch Relationships
Ensure Wait Time within permissible limits as per segmental service approach
Achievement of branch Customer Service Scores target
Nil Critical Requests at branch
Nil Escalations at branch and complaint handling

Major Activities – Customer Service:

Make 10 customer visits every week (Top 20% of profitable customers of branch) to maintain and enhance the relationships.
Scrutinize all service requests and AOFs being sent to RPC to ensure NIL rejections.
Conduct customer engagement program – every month.
Lobby Management to be done daily during peak hours.
Prepare staff roister, leave calendar and maker-checker seating arrangement
Inculcating first contact resolution and adherence to customer service mantras by employees at branch
Resolve customer queries through internal escalation matrix for enhanced service experience for customers
Implement usage of Product Database among employees for instant resolution of customer’s queries

Principal Accountabilities – Compliance & Risk Management :

Ensure operations, risk control and process adherence at branches
Branch Audit scores
Fraud prevention
Ops risk monitoring
RBI audits, inspections and incognito visits

Major Activities – Compliance & Risk Management

Ensuring operations and Risk control at branches in line with internal and regulatory guidelines as per Operations Manual and e-circulars issued from time to time
Checking, authorizing and verification of various reports
    Irregularity report – Daily
    Exception report – Daily
    TOD reports – Daily
    Pending IBRs to be responded – Daily
    Second level verification of Mitra Committee Report- Daily
    Format F (Expenditure) – Monthly
    CAT 14 & CAT 15- TOD & Cheque Purchase- Fortnightly
    Submission of Comp 1 – Monthly
    Charge Taking Certificate – as and when required
Updation, maintenance and periodic checking of important registers
    Fake notes register
    Branch book
    Complaints register/ book
    Visitor book

Maintenance of keys of
    Customer complaint box
    One set of premises keys
    Fake note box
    Lockers

Physical verification of various security items
    Surprise physical verification of cash, foreign currency, keys, gold coins, jewel loan packets and welcome kits – Monthly
    Physical verification of original and duplicate keys – Quarterly
    Physical verification of locker master keys and vacant locker keys – Quarterly
Checks to be done in respect of asset servicing
    Non DRO branches- unreconciled open items as per data received from COPS-Repayment team
    Ensuring that at least one authorized signatory available in the branch for signing NOC
Account sourcing – authorizing the KYC documents by checking the genuineness of the customers at the time of account opening
Monitoring outstanding long pending entries in office accounts
Checking all outstanding EDD cases (money laundering)
Clearing his/ her tray for all pending approvals
Closure of Key Audit Findings from IAD audits and observations of RRM visits
Quarterly compliance to audit requirements
Proper handling and reporting of RBI, and other regulatory audits at branches
Creating awareness among employees on fraud prevention, password protection and branch security

Principal Accountabilities – Branch Profitability :

Growth in NII ( Net Interest Income) for branch
Growth in Asset business through branches
Increase Fee Income
Ensure Opex optimization
Manage cost of cash holding at branch

Major Activities – Branch Profitability :

Enhance for CASA and Time Deposits through service led Sales at branches
Monitor daily inflow and outflow reports, GL reports and Day Book reports
Incremental growth in, home loans and auto loans sourcing at applicable locations
Activate specialized desks depending upon the catchment to generate fee income
Ensure optimal cash holdings at branch so as to reduce idle cash lying at branch
Increase in third party product penetration to enhance fee income opportunity

Principal Accountabilities – Brand Administration :

Adhere to standardized Brand guidelines – inside the branch and outside the branch
Branch upkeep and maintenance – spic & span
Availability of necessary infrastructure in branch

Major Activities – Brand Administration :

Monitor external appearance of the branch – fascia, directional signage, entrance, parking area
Review in Branch Look & Feel – lobby area, merchandising calendar for posters, seating arrangement etc on a daily basis
Proper ATM upkeep, notice board and posters
Ensure proper functioning of all branch equipments – PC, Printers, Xerox Machines, scanners, AC, DQM, CDM etc
All employees to be dressed well.
Ensure adherence guidelines at all workstations, storage area and common area

Principal Accountabilities – Capability Building & Manpower Management :

Team Building
Training and Development
Manpower Planning

Major Activities – Capability Building & Manpower Management :

Mentor / ensure mentoring of new joinees for first three months.
Job rotation for all employees once in six months
Briefing all employees on their role and expectations from them
Give structured feedback to employees on a regular basis
Conducting Saturday Workshops and in house training programs
Certification of employees on AMFI, IRDA and mandated E-Test and E-Learning by all employees in branch

Other Responsibilities

Implement centrally-originated projects on customer service, automation, processes and compliance in the branch
Monitor specialized desks at branches
Follow up on legal cases pertaining to branch
Business continuity planning for the branch
Contribute to employee morale and plug employee turnover

Performance Indicator

Measure

Retail P&L

Net interest Income

Percentage achievement against target

Fee Income

Percentage achievement against target. We may need to include cross sell somewhere

GL Size of branches

Current Accounts

    Number of accounts
    Incremental growth in balance
    Average balance of account (Quality of account)

Savings Accounts

    Number of accounts
    Incremental growth in balance
    Average balance of account (Quality of account) what about salary accounts.

Term Deposits

    Retail penetration of deposits sourced
    Incremental growth in deposits

Asset Targets (Specific to region being handled)

Home Loans

    % disbursement achievement against target. Please include loans against collateral

Auto Loans

    % disbursement achievement against target

Personal Loans

    % disbursement achievement against target

Overall Branch Health

Customer Service

Branch customer service scores

Compliance

IAD Audit Scores and fraud prevention scores

Work Locations:|Gandhi Maidan Ground A, Space No 1,2,3,4, Twin Tower, South Gandhi Maiden, Patna 800003

Job Posting: Mar 30, 2022 | Unposting Date:|Apr 4, 2022

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