Branch Business Leader
YES BANK LTD
Total des années d'expérience :11 years, 5 Mois
New Business Development through Managing and monitoring performance of all the
sales resources and attrition control of customers. Conduct customer engagement
programs and marketing events. Proper implementation of CRM by the Sales, Relationship
& BSD departments and to be reviewed at every interval. Responsible for meeting the
Branch targets, adherence to applicable regulatory guidelines & requirements.
Relationship Management & Customer Service ensuring that customers get
world-class services and their needs are understood and met through financial product
offerings of the Bank. Maintaining & deepening relationship with HNW customers.
Risk Management System Control and Processes through ensuring comprehensive
compliance with all regulatory and statutory requirements as relevant for the branch and
for various product and services. Comply with Bank’s policies and processes.
Responsible for all related process checks as custodian of vaults (self or delegated) and
joint custodian of systems administration and setup within the branch. Ensure safety and
security of Bank and customer's assets. Responsible for correct profiling of clients in the
branch & vigilant of necessary Risk Management conduits.
P & L and Balance Sheet Management by Managing Cost parameters associated with
Branch Management in the most efficient manner. Enhancing asset sourcing, Generate fee
income. Increasing third party product penetration to enhance fee income opportunity.
Administration Responsible for adherence of branch level operating standards reflecting
highest benchmarks associated with YES BANK brand. Timely communication of relevant
information to the Branch employees for the smooth functioning of the Branch. Ensure
timely escalation of issues impacting business and appropriate solutions to address the
concerns. Ensure timely submission of MIS reports. Upkeep of the Branch and ATM.
Human Capital Management. Responsible of ensuring the Branch resources understand
relevant risks associated with assigned jobs/role in the branch. Ensure Branch headcount
budget are on-board. Effective Team Management and building Team Spirit.
Learning & skill development of the team. Ensure that all staffs are adequately trained on
the Products of the bank, regulatory & sales processes; make staff aware of various
policies of the bank regarding customer service and compliance. Drive Employee
Engagement activities.
Key Deliverables
PnL and Balance Sheet Management of the branch
Review of productivity and book movement of the branch
Managing Cost parameters
New Business Development
New To Bank Liability Generation
Corporate Salary Acquisition
Monitoring General Ledger
Sustained Revenue Generation
Business Banking
Fees Income
Investment Services
Cross Sell Of TPP
Risk Management System Control and Processes
Portfolio Quality
Internal Audit And Compliance
Branch Health Score Card
Human Capital Management
Policies Team Learning And Development
Review Of Branch HC And Manage Attrition
Effective Team Management,
Building Team Spirit,
Training Of KYC And AML Regularly
Sales & Business Development through sales planning, competition monitoring, review
and handhold manpower. Ensuring proper on-boarding of all new customers acquired.
Tapping markets or customer segments within the catchment of the branch, which are
hitherto untapped to increase the GL base of the branch.
Customer Service through frequent customer visits, scrutinizing all service requests and
conducting customer engagement programs, Lobby management, & implementing instant
resolution of customer’s queries
Compliance & Risk Management through ensuring operations and risk control at branch
in line with the internal & regulatory guidelines. Checking, authorizing & verification of
various reports. Updating, maintenance and periodic checking of important registers like
fake note register, complaints register, and visitor book. Maintenance of keys of Lockers,
Fake note box, premises keys, Customer complaint box. Physical verification of various
security items.
Branch Profitability by enhancing MAB for CASA and Time Deposits. Monitoring daily
inflow outflow reports, GL reports. Enhancing asset sourcing, Generate fee income, Ensure
optimal cash holdings at branch so as to reduce idle cash lying at branch. Increasing third
party product penetration to enhance fee income opportunity.
Brand Administration by monitoring external appearance of the branch, review in-branch
look & feel on a daily basis & proper upkeep of the ATM.
Capability Building & Manpower Management by mentoring people on-board, give
structured feed-back, conducting in-house training, briefing all employees on their role and
expectations from them.
Key Deliverables
Sales & Business Development
Incremental Numbers & Volumes for Liabilities, Assets, Fee Products.
Prepare & monitor Sales Plan for the branch.
Build a healthy asset and liability book - GL Growth.
Increase Market Share.
Customer Service
Manage Key Branch Relationships.
Achievement of Customer Service Index Standards.
Ensure Nil escalations at branch.
Complaint Handling
Compliance & Risk Management
Ensure Operations, risk control, & process adherence at branch.
Branch Audit Score
Fraud Prevention
RBI Audits, Inspections, & Incognito Visits.
Branch Profitability
Growth in Net Interest Income
Growth in Asset Business through branch
Increase Fee Income
Ensure Opex Optimization
Manage cost of cash holding at branch.
Brand Administration
Adhere to Standardized Brand Guidelines - inside & outside the branch.
Branch upkeep & maintenance.
Availability of necessary infrastructure in branch.
Capability Building & Manpower Management.
Building Team Synergy
Mentoring & Motivating
Training & Development
Manpower Planning
Contribute to employee morale and plug employee turnover.
Business Development through formulating and implementing strategic planning.
Capability Building & Man Management to drive & grow business figures to enhance
branch profitability. Training and developing & mentoring managers & branch staff.
Sales & Marketing to augment business growth in accordance with the corporate goals.
Compliance & Risk Management.
Execute and Monitor overall administration and efficient operations of branch including
Training & Development, Sales & Marketing, New Set up initiatives, Client Servicing, Credit
Operations, Relationship Management.
Customer Relationship Management: Managing customer centric operations &
ensuring customer service matrix.
Branch Operations to ensure proper quality control checks.
Key Deliverables
Financial Perspective
Monitoring General Ledger Book size to enhance business volumes.
Improve new customer acquisitions & existing relationship value to the set standard levels.
Increase the deposit base to increase the Bank’s market share.
Manage Liability book size of 45 crores & assets book size of 70 crores.
Sustain & Enhance overall operating performance.
Assets Business
Develop market for asset products like Home Loans, Loan against property, Auto Loan,
Credit Cards, Personal Loans, Jewel Loans, Business Loans, etc.
Generate incremental volume spread to increase revenue for the branch.
Fee Income
Increase Fee base thru Investment & Services products.
Fee through Trade Products
Fee through Business Lending programs.
Employee Productivity
Enhance Personal Banker & Value Banker’s productivity.
Enhance Sales productivity
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).
Branch Health
Service
Compliance
Branch Visual Appeal.
Business/Sales Management through right product mix, sound employee productivity
and enhance team efficiency putting key focus on the bottom line. Products & Services
included Financing of Commercial Vehicles & Two Wheelers, Home & Mortgage Loans,
Inventory Funding, Education loans, Loans For Medical Exigencies, Marriage Loans, Home
Improvement Loans, Working Capital Loans for the urban self-employed, Shop
Improvement Loans to the retail segment, Micro Loans, Selling fine array of Life Insurance
Products & General Insurance products.
Credit/Risk Management by means of control on net credit loss, apt audit rating and
sustain good cluster score matrix.
People Management by way of supervision & control on attrition rate, providing training
support, & ensure quality hiring.
Collections Management by positioning branch flow rate as the center of attention and
supervision on collection team and enhance recovery.
Operations Management by ensuring scanned to booking ratio; focus on collections
updates, disbursal updates, resolution of welcome kit pendency.
Infrastructure/IT/Premises/Facilities Management by timely escalation of issues for
quick service & robust environment to both internal & external patrons & maintain apt TAT.
Marketing Management by procurement of marketing materials, classifying promotional
activities considering pertinent budget against business acquisition.
Key Deliverables
Business & Financial Management
Keep close track for branch break even & enhance business volumes appropriately.
Improve net credit revenue to the set standard levels & build the bottom line grow to be
better by focusing on cross selling revenue generating products.
Limit net credit losses to the set standard levels to sustain the branch profitability.
Ensure the branch delinquency is under control and is within the limit set.
Maintain overall operating performance.
Broaden, enhance & sustain the overall financial performance by scrutinizing Net Customer
Revenue, Total Direct Expense, Net Credit Losses, & Profit.
People/Team
Determining training needs of employees and conducting suitable training programs to
enhance their operational efficiency leading to increased productivity.
Leading, Mentoring & Monitoring the performance including training needs of team
members to ensure efficiency in operations and meeting of individual & group targets.
Limit Branch’s employee attrition rate as per the set standards.
Identifying and implementing strategies for building team effectiveness by promoting a
spirit of cooperation between team members, for superior team work within the branch with
negligible issues.
Ensure new hiring orientation effectively in order to keep up the morale high and sustain
motivation level all times & set clear KPIs for team and drive activities to achieve required
level of performance.
Measure and report on individual and team performance & conducting regular performance
appraisals in line with the company standards.
Customer focus
Meet customers target as per plan and ensure the customer attrition is less than the set
standard levels.
Achieve penetration of life insurance products & general insurance products, to be put
forward to present better customer proposition.
Achieve pre approval ratio for maximum customers & explore them for a wide range of
other products & services in order to trim down & check customer attrition.
Process & Quality Improvement
Sustain branch audit rating as per the set standards
Ensure adherence to the branch matrix.
Ensure usage of various MIS reports for branch management.
Keep a regular check for any process violations and timely resolution to any huddle in the
process flow to maintain the quality of disbursal as well as the turnaround time.
Managing Sales Team, Direct Sales Associates & Loan Advisors
Augmenting the business of Finance, through them.
Demonstrate skills in verifying the Credit Parameters of customers.
Actively involved in promoting GE Money through various promotional activities.
Looking over the credit process, underwriting, initiating Document Verification, Field Credit
Investigation, Bank verification, Income Tax Verification.
Co-ordination with Collection Team to control delinquency.
Key Deliverables
Business Development & Sales
Conceptualizing and implementing competent strategies with a view to penetrate new loan
accounts and expand existing ones for a wide range of services.
Implementing competent business strategies to market finance products and achieve pre-
set sales and profit target.
Identifying and developing channel partners for achieving business volumes and profitably.
Implementing marketing plans for augmenting the business volume & thereby achieving
increased sales/maximizing profit.
Initiating, developing, imparting, & organizing training programs for achieving pre planned
business targets. Leading, & monitoring the performance of team members to ensure
efficiency in sales operations and meeting of individual & group targets.
Credit and Loan Administration
Supervising approval of loan proposals, conducting risk analysis & scrutinizing relevant
documents before processing loans, ensuring compliance with credit policies of the
organization.
Handling post approval activities, loan rescheduling; & ensuring clear re-payment.
Conducting Basic Credit Analysis of Open Market Cases, with an aim of Booking Quality
business.
People Management
Managing Sales Team, Sales Associates & team of loan advisors with team leaders for
location & Customer Service Representatives at the branch.
Ensure coaching and training of team on all processes.
Regular huddle meeting in order to resolve daily issues & to develop individual
performances.
Control Attrition
Branch Management
Managing branch operations with key focus on top line as well as bottom line; by ensuring
optimal utilization of available resources.
Processing of bill claims; ensuring timely payments of vendors, Direct Sales Associates and
Sales Team through designed escalation matrix.
Preparing Marketing plan, Marketing Budget and actual acquisition cost analysis month on
month.
Relationship Management. (Manage ICICI BANK Relationship)
Driving ICICI BANK branch employees for augmenting business.
Initiating and developing relationships at branch for enhancing business.
Investment & Taxation planning for both existing & new clients.
Manage Sales of Equity Linked investment products.
Selling insurance products for risk management.
To help clients secure a financially stable future-post retirement on a tax favored basis.
Selling unit linked investment products, which are linked to the equity markets.
Acting as a corporate agent making presentations in giant corporate with regard to the
above-mentioned products.
Prepare individualized financial plan for each individual and presenting them the same.
courses: City –
courses: City –
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