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• Enhance the business volumes of the branch across the relevant business segments (i.e., Liabilities, Cross-Sell of Consumer, Wealth, Digital products), thorough planning and achievement of annual sales targets/KPI\'s through a cohesive and efficient team model.
• Ensure achievement of deposit growth objectives
• Ensure that the branch's business is in thorough compliance with the Bank's and Regulators' regulations through regular review of the portfolio.
• To establish regular liaison with the branch's customers to ascertain their needs and requirements and provide advice and support to customers in meeting their financial needs to maintain a high level of customer satisfaction and retention.
• Ensure that staff operating within the branch obtain proper training in Islamic Banking, Relationship/Sales Management, Service Quality, Regulatory Compliance, and Soft skills

• To keep updated regarding Bank’s products & services & essential regulatory requirements, create awareness of products offerings.
• To ensure month-on-month deposit growth on ETB portfolio with proper emphasis on CASA base.
• To achieve continuous NTB Account onboarding monthly with special emphasis/concentration on CASA-based growth, meeting the assigned KPIs.
• To ensure portfolio and business growth without compromising on Service Quality levels.
• To ensure portfolio and business growth, maintaining zero-tolerance to Control & Compliance issues.
• To maintain a presence in the catchment area through regular market visits to existing and prospective customers, thereby enhancing the market reputation of the Branch and the Bank.
• To maintain a professional relationship with customers daily to ensure that a high customer experience is consistently delivered.
• Ensure that the business relationships are in thorough compliance with the Bank’s Policies and Regulatory requirements regarding KYC/CDD completion.

Key Responsibilities:

1. Operational Management:

   • Supervise branch operations, including cash handling, customer transactions, account servicing, and administrative functions.
   • Ensure accurate processing and timely completion of branch transactions while minimizing operational risks.
   • Manage branch resources efficiently, ensuring optimal staffing and workload distribution for smooth branch functioning.

2. Compliance and Risk Management:

   • Ensure adherence to internal policies, regulatory requirements, and anti-money laundering (AML) procedures.
   • Implement and enforce Know Your Customer (KYC) policies, security protocols, and other compliance measures.
   • Conduct periodic risk assessments and internal audits to identify gaps and take corrective actions as necessary.

3. Customer Service Excellence:

   • Maintain high levels of customer satisfaction by ensuring prompt, courteous, and effective service delivery.
   • Address and resolve customer issues, complaints, or escalations efficiently.
   • Promote customer-centric practices and continuous improvement initiatives to enhance service quality.

4. Branch Security and Cash Management:

   • Oversee cash handling procedures, including cash vault, ATM, and teller transactions, ensuring adherence to cash control policies.
   • Manage branch security measures, including monitoring alarm systems, conducting security drills, and implementing contingency plans.
   • Ensure cash and vault balances are accurately maintained, performing reconciliations and addressing any discrepancies.

5. Sales Support and Cross-Selling:

   • Support the branch in meeting sales and profitability targets by identifying cross-selling and up-selling opportunities.
   • Collaborate with the sales team to drive product awareness and customer education on bank offerings.
   • Guide and train branch staff on promoting products and services effectively to customers.

6. Staff Supervision and Development:

   • Supervise, mentor, and train branch operations staff, providing guidance and support to ensure high performance and accountability.
   • Conduct performance reviews, set individual goals, and identify training needs to develop branch employees.
   • Foster a positive work environment that promotes teamwork, integrity, and continuous improvement.

7. Administrative Duties and Reporting:

   • Ensure all branch records, reports, and documentation are accurate, complete, and up-to-date.
   • Prepare and submit regular operational reports, performance metrics, and compliance summaries to the Branch Manager and Regional Operations Head.
   • Maintain organized and accessible records for audits and inspections.

8. Process Improvement:

   • Identify areas for improvement in branch operations and implement streamlined processes to enhance efficiency and productivity.
   • Stay updated on industry trends, regulatory changes, and best practices to ensure the branch remains compliant and competitive.
   • Actively participate in operational audits, analyze findings, and implement recommended corrective actions.

To assist Head Corporate & FI Risk in assessing the various risk characteristics of a particular credit raised by Business Unit (Corporate Banking, Investment Banking and Financial Institutions).

The credit analyst is also expected to have a sound understanding of industries, evaluate risk mitigations strategies and make recommendations while safeguarding the interests of the bank and its shareholders.

•  Ensure recovery activities are performed through allocated  accounts
• Ensure monthly targets are achieved.
• Ensure compliance of Regulatory/ Fair Debt Collection Guidelines and KPI’s.
• To ensure that all up dates are executed in CWX and all communication is carried on through recorded line and Q-cards are maintained where required
• Timely calling to write off customers and communicate them for payment of outstanding liabilities.
• Contact to customers within the prescribed time frame and procedure.
• To ensure customer complaints and queries are properly addressed or routed to supervisor by using escalation matrix.
• To ensure accounts are forwarded to litigation where bank level negotiation is deemed improbable.
• To ensure service standards are maintained at an agreed level as per advised guidelines
•  Identify potential process/ service enhancement for continuous improvement.
• To ensure Recovery activity is comprehensively updated in the in house collection system on a daily basis.
• Seek guidance from seniors as and when required.
• Any additional responsibility assigned by the supervisor.
• May be rotated anywhere within the Dept/ Bank as per the requirement.

Contribute in finalizing the product for a market launch post-market research.

Mainly responsible for assisting the Product Manager in the development and launch of new Products & variants which are profitable for the bank.

Responsible for segmentation based on the portfolio in order to increase quality acquisition and market them through marketing campaigns that include ATL and BTL media activities.

Draft documents and write-ups for flyers/brochures/posters/ websites/ newsletters.

Timely resolution of complaints and to provide utmost support to maintain service levels.

Close coordination with Shariah, Legal, Policy, IT, Consumer Operations, Compliance, Marketing, and outside vendors for marketing materials

Shall keep an eye on the competition/market changes and share the feedback with immediate supervisor/product teams for making proactive changes in sales planning & counter action plan.

Re-engineer the processes for a superior customer experience. Need to Digitize/automate and have leaner processes.

Invest in innovation and develop products that help businesses stay ahead of the curve.

To prepare presentations on the successes, current projects, and plans of the automobile industry.

To collaborate with front-end business teams in order to design and execute Autos product campaigns within stated timelines/frequencies.

• Assist in timely preparation of Product Program and its renewal.
• Assist in Proactive portfolio management; encompassing management of the right portfolio skew while maintaining portfolio caps.
• Ensuring applicable processes and policies are strictly adhered to and making suggestions to address the discrepancies identified.
• Assist in managing portfolio charge numbers within budgeted figures
• Conduct Mortgage portfolio stress test with key internal / external risk factors
• Market Intelligence / research to align product policies and keep products competitive