Cluster Manager-Rural Mortgage

Job content

Job Description

Job Title -

Cluster Manager - Rural Mortgage

Place of work

• Chhattisgarh

Business Unit

• Retail Banking

Function

– Rural Banking

Job Purpose :
The role entails managing and scaling up the Rural banking business for the assigned branches by creating strategies to achieve growth targets for the branches by managing operations and resources in the most cost efficient and technology effective manner. It also entails developing constructive relationships with key local dealers and working closely with them to boost volume of business by establishing a strong foundation with them as their financial partner of choice. It is accountable to ensure expansion of branch footprint, product penetration and delivery of high quality customer service. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing and deepening. It includes building up teams, systems, process and culture relevant to the branch network scale. The roleholder is responsible to deliver on the goals of customer and employee satisfaction. The role has a P&L responsibility contributing to the larger branch banking objectives.

Roles & Responsibilities:
Own the P&L for the branches assigned and direct all operational aspects including distribution operations, customer service, administration and sales

Achieve & exceed Business goals and targets by implementing region specific strategies

Responsible for working towards achieving sustainable profitability for both Assets and Liabilities sales of the branches

Custodian of people, processes and documents for the branches for the assigned region; expected to manage the P&L for the branches and work towards achieving sustainable profitability

Understand competitive landscape and market dynamics and provide necessary feedback to product teams

Manage a team of branch managers to drive client acquisition, deepening of existing relationships and addressing all needs of customers by providing gamut of banking services

Monitor collections and recoveries of repayments against loans

Ensure pricing, business process & policies are in organizations best interest

Assess and monitor portfolio quality and loan limits by working closely with risk & credit teams, to take necessary corrective actions;

Conduct field audits and customer verifications

Achieve productivity, efficiency, financial (budget and cash flow), customer service targets and ensure statutory compliance for the branches

Responsible for building capabilities to sell multiple products, across locations

Share knowledge with other regions, clusters branches and headquarters on effective practices, competitive intelligence, business opportunities and needs

Adhere to high ethical standards, and comply with all regulations/applicable laws

Cultivate relationships with individual and corporate customers

Spearhead manpower planning, recruitment and training processes for both on-roll and off-roll employees to ensure high performing talent across levels

Develop and implement livelihood advancement and community development initiatives

Bring out the best of branch’s personnel by providing training, coaching, development and guidance

Evaluate the feasibility of new initiatives in offering, channel & process point of view and ensure its implementation to improve overall operational efficiency

Collaborate with other branch departments and functions to provide products and service offerings to the customer

Managerial & Leadership Responsibilities:
Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity

Create environment for team to focus on automation and digital enablement to fulfil customer’s needs holistically

Attract & retain best-in class talent to meet Bank’s rapid growth targets

Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction

Educational Qualifications:
Graduate - Any

Post Graduate – (Optional)

Experience:
6- 12 years of relevant experience in Rural Branch Banking or allied Business