Rahul Singh

The Branch Head (BH) is responsible for coordinating and overseeing all branch operations and implementing strategies to increase productivity and performance levels in order to achieve the branch’s financial targets. They are responsible for ensuring the smooth functioning of the branch and its compliance with the rules and regulations. They should maintain good relations with the key account holders of the Bank to ensure deepening of accounts and thus generating revenue.

Key Responsibilities

• Ensure efficient daily operation of a branch, including lending, product sales and customer service in accordance with the bank’s objectives
• Prepare the plan for the growth of branch business in consultation with the Cluster Head
• Implement the plan through the Branch team so as to achieve the top line goals
• Establish and strengthen relations with key customers (e.g. top 10%) to generate sustained business.
• Review daily/ periodic reports (e.g. overdrawn accounts, temporary overdrafts, cash retention limit, office accounts, etc.) and take proactive action to ensure profitable and ethical business.
• Ensure audit related deliverables, both internal and external are met as per the prescribed norms
• Ensure compliance with due processes and guidelines
• Create a performance oriented environment leading to high employee motivation and productivity
• Ensure that all staff are adequately trained on the products of the bank, sales processes and various policies of the bank
• Resolve, report any disruptions (e.g. strike or local disturbance) and take appropriate action to ensure that the branch operations are run smoothly.
• Liaison with the cluster office and other branch offices to ensure the smooth management of operations and the achievement of overall business goals.
• Ensure proper upkeep of branch premises and assets including safety and security

• Ensure administration of the branch by directingdaily operations like cash, clearing, transfer, ECS/RTGS/NEFT, SB, CD, FDR,Deposits, account opening & customer service with a team of Tellers andCustomer Service Officers.
• Ensure all customer complaints and issues areresolved maintaining high service standards
• Establish and strengthen all key customer relationships to generate sustained business
• Ensure growth in account balances and achievement of aggregate cross sell points target
• Ensure maintenance of cash balance as per Cash Retention Limit
• Control and monitor leakage of income, office accounts and anti-money laundering alerts
• Ensure compliance with banking rules, regulations& procedures, review vault register and overdue management
• Review branch operations reports and track exceptional transactions.
• Handle internal and external audit processes and attend audit queries immediately
• Ensure that all customer service officers are adequately trained on the products, processes and various policies of the bank