Branch Manager -Branch Banking

Branch Manager

Key Responsibilities

Business & Revenue Management

• Manage the branch as a profit center by driving revenue growth across liability products, third-party products (TPP), and retail assets.
• Achieve individual and branch-level sales targets through new client acquisition, cross-selling, and portfolio deepening.
• Maintain and monitor the Annual Operating Plan (AOP) across product lines (CASA, FD, loans, fee income).
• Track and optimize Net Interest Income (NII), fee income, and operational expenses (OPEX).
  

Client Relationship & Sales

• Build and maintain strong relationships with high-value clients and local business communities.
• Lead customer onboarding, account activation, and cross-selling of products such as mutual funds, insurance, and gold loans.
• Monitor customer service delivery to ensure minimal wait times and high Customer Satisfaction Index (CSI) scores.
• Proactively address and resolve customer complaints to avoid escalations.
  

Team Leadership & Capability Building

• Lead, mentor, and develop a high-performing team of Relationship Managers, Sales Officers, and Branch Service Managers.
• Conduct daily huddles, monthly performance reviews, and training workshops to align team goals and enhance productivity.
• Guide new joiners and ensure structured feedback and performance appraisals for all branch staff.
  

Operational Excellence & Compliance

• Ensure branch compliance with RBI regulations, internal policies, and audit guidelines.
• Maintain high audit scores and ensure complete adherence to risk controls, KYC norms, and operational processes.
• Monitor daily sales reports (DSRs), account closures, FD renewals, and other key business metrics.
• Manage and update leads and client activities through the CRM system.
  

Branch Infrastructure & Brand Administration

• Maintain branch ambiance and infrastructure as per 5S standards.
• Ensure availability of resources and a customer-friendly layout to reflect brand standards.
  

Key Deliverables

• Growth in CASA balances, fixed deposits, and retail lending portfolio
• Increased fee income from TPP (mutual funds, insurance, gold loans)
• High Customer Service Index (CSI) and low complaint/escalation ratio
• Effective cost control and OPEX optimization
  

Candidate Profile

• Prior experience as a Branch Manager or in a similar leadership role in Retail Banking
• Proven track record in sales, client acquisition, portfolio management, and team handling
• Strong understanding of banking products and services, especially current accounts and retail assets
• Familiarity with regulatory compliance, audit processes, and risk management in a retail banking setup
  

Skills & Competencies

• Strong leadership and team management skills
• Excellent communication and interpersonal skills
• Analytical mindset with data-driven decision-making ability
• Strong customer service orientation
• In-depth knowledge of retail banking operations, CASA, and financial products