Manager-Current Account

Job description

• 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 • 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. • 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 • 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 • 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 • 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