RBB-Cluster Head

Job Title

Cluster Head

Business Unit

Retail Branch Banking

Reporting To

Circle Head/Zonal Head/Regional Head

Job Function and Role Type

Sales, Supervisory, Extensive Travel Required

Version No

2.0

Job Purpose

Lead a result-oriented team to manage cluster profitability, achieve sales targets, and ensure high-quality customer relationship management. Oversee branch operations, compliance, and achievement of business objectives.

Key Responsibilities

Achievement of Business Targets

• Achieve income and contribution targets.
• Achieve incremental CASA targets.
• Cross-sell products like Demat, Credit Cards, and Insurance.

Program / Channel Management

• Ensure RM & IRM channel target achievement.
• Manage HNW portfolios and customer service.
• Achieve cross-sell ratio targets.

Corporate Salary Program

• Grow corporate salary account portfolio.
• Achieve incremental value and account targets.
• Ensure cross-sell ratio for corporate accounts.

PB Portfolio / Customer Contact Management

• Grow SB and Current Account portfolios.
• Ensure customer contact ratio.
• Achieve cross-sell ratio targets.

Direct Banking Channel

• Achieve branch business plans on income and CASA.
• Turn around underperforming branches.
• Promote fee-earning products like ATM acquiring and Retail FX.

Customer Service

• Control attrition and grow existing portfolios.
• Resolve complaints and improve TAT.
• Organize customer meets for feedback.

Network Expansion

Plan and execute branch and offsite ATM expansion.

Identify and lease properties for new branches.

People Management

• Recruit and train staff on skills and product knowledge.
• Motivate staff and manage turnover.
• Foster a high-morale work environment.

Branch Operations

Maintain high audit ratings.

Prevent frauds and operational errors.

Cost Management & Staff Productivity

• Control costs within budget.
• Improve branch profitability and staff productivity.
• Weed out unprofitable accounts.

Others

• Support direct sales teams and other business groups.
• Lead marketing activities and branch visits.
• Communicate senior management directives effectively.

Education:

Graduation (minimum).

Certifications:

AMFI Certification (optional), IRDA Certification (optional), NCFM Certification (optional).

Key Competencies

Strategic vision, customer focus, decision-making, team leadership, adaptability.

Major Stakeholders

Customers, retail marketing, audit, IT, product development, retail operations, RBI officials.