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