Zonal Head-Branch Banking/Trivandrum

Job Description:

• Business Development and Growth:

  • Develop and implement strategies to achieve business targets across all branches in the zone.
  • Monitor branch performance and ensure the achievement of key financial metrics such as profitability, loan and deposit growth, cross-selling of products, and fee income.
  • Drive branch banking sales initiatives and ensure alignment with overall bank goals.
  • Identify market opportunities and oversee the development of new business segments.

• Branch Operations and Management:

  • Ensure operational efficiency and adherence to banking policies, procedures, and compliance norms.
  • Regularly review and monitor operational performance of the branches.
  • Ensure cost optimization while maintaining service quality and customer satisfaction.
  • Monitor the service levels of branches, ensuring timely resolution of customer issues.

• Team Leadership and Management:

  • Lead, mentor, and manage the branch managers and other key branch personnel.
  • Set clear performance expectations, conduct regular reviews, and provide necessary coaching for improving productivity.
  • Foster a culture of accountability, customer-centricity, and teamwork.
  • Identify and develop talent within the team for future leadership roles.

• Risk Management and Compliance:

  • Ensure branches adhere to regulatory requirements, internal policies, and risk management guidelines.
  • Regularly review risk parameters such as credit risk, operational risk, and market risk across the zone.
  • Take corrective actions to mitigate any risks or discrepancies.

• Customer Relationship Management:

  • Build and maintain strong relationships with key clients and stakeholders.
  • Champion initiatives to improve customer satisfaction and loyalty.
  • Ensure a high level of customer service across all branches within the zone.

• Reporting and MIS:

  • Provide regular performance updates and reports to the senior management team.
  • Use data-driven insights to support decision-making and strategy formulation.