Senior Manager / Manager - Product Manager To Executive Director

Job Description

Roles and ResponsibilitiesJob Purpose
• Help the Executive Director discharge his larger responsibilities in the bank
• Monitor and ensure conversion under various initiatives identified by ED for different verticals
• Review progress on calls done by ED and actions emanating from the same.
• Review performance of verticals reporting into him
• Review minutes and actions of review meeting.
• Help ED with material/information required for his interaction with RBI/Press/Ministry and any other external agency.
Job ResponsibilitiesPortfolio Management
• Analysis of portfolio , incremental assets for segment, granularity etc. for management information to derive strategy of business
• Analysis of APR for actual vs Plan at Unit level and highlighting to the units, the gap in parameters to be met against the plan on YTD basis.
• Analysis of product holding at customer level and publishing the data to the team for finding out opportunities
• Supporting team for business development by way of data through vendor s / rating agencies etc.
• Yield and spread analysis from APR and publishing trend analysis which supports making strategy to improve income. Tracking the same against department budget for senior level review
• Tracking of TAT for supporting faster CAM approvals
Assets Projection ReviewTo engage with supervisors and ensure compliance with the review process covering:
• Co-relation between ALCO Projections and the budget numbers
• Monthly review to ascertain actual achievement viz. slippages and reasons thereof.
• Distribution of asset to bring in granularity
Dashboard
• Coordinate with various teams to have a dashboard and presentation prepared for submission to fincon and MD covering all the operating and key objectives
• This will capture achievements of the teams on various parameters like assets, Liabilities Gross Yield, NTB, Large deals Etc.
• Progress on MAP Items such as Yield movement, initiatives like N100 & N2N100, TON, Migration etc. are incorporated into dashboard.
Progress on New to Bank (NTB) CustomerProvide Product Support
• Creation of workable database of NTB target clients
• Identifying gaps and trends on progress and penetration on converted names
• Seeking updates on acquisition pipeline, including asset focus on onward presentation to the business heads.
• Driving contribution of NTB clients along all operating aspects / Performance in the corporate bank / wholesale bank.
One bank Initiative (a) Salary accounts ; (b) Promoters / Opinion Markets
• Coordinate with Various teams like cards, Branch Banking, Salary product, etc. in providing support to the business heads in driving these initiatives
• Analyze plan Vs Actuals and highlight these to supervisors and RMs / stakeholders for corrective actions
• Work with central product team of salary in monitoring projections and completions of actionable
PSL / SCMIdentify Gaps and Slippages and elicit corrective actions from the supervisor / RM Monitor Items that have dependence on RIG / product team Control and Monitoring of Deferrals items
• Customized reports on periodic basis provided to GH and business team to take appropriate action on collection of documents for closure of pendency
• Check overdue pendency for monitoring & evading the risk to the Bank
• To follow up and discuss with RM / Unit Heads for clearance of pendencies.
• Periodic reporting of CAMs in pipeline, collating Board cams, asset tracker
Monitoring various initiatives for the department & KOs
• Daily tracking of ALM movement against monthly projections
• Yield Enhancement
• Salary Accounts initiative
• Self-Funding Ratio
• New to Bank addition
• KO Dashboard and monthly updates
Supporting in various initiatives of the department
• There are several initiatives being pursued at the corporate bank / wholesale bank level. Whilst initial data and trend lines are available, much deeper probing and examinations called for to distil this at an RM level and ensure time-bound action plan which is being done presently in a non-standardized manner.
• Some level of streamlining has happened with Fincon in terms of the Initial data output but needs to be built upon to further grow and develop the corporate bank. There is a need for slicing of data points to ensure various profiles / cut to provide insight to supervisory layer to orient and drive specific action.
• In addition, several senior level initiatives such as focus on MNC, New to bank clients, automation of ALCO, SLA s , with stakeholders etc. which need to be reviewed periodically. Consistent Implementation has to be driven across the department to convert these objectives. There are further initiatives being planned keeping in mind one bank approach, integrated cross sell, etc.
Budgeting and tracking of actual performance for monthly / quarterly review with GH and ED
• Supporting management in annual budgeting exercise
• Tracking of variables actual vs plan and providing information to seniors
• There are essential items of operating performance like Budget, CASA, and actual v/s plan on key income lines which require ongoing monitoring and enable supervisor to have a robust review mechanism and ensure remedial actions whenever necessary is initiated.
Educational Qualifications CA / MBA / ICWA with approximately 5-7 years of experience
• Graduation: Any
Key Skills
• Adequately long experience in handling Wholesale Banking Business and has accurate updates about the market, business and competition
• Strong Analytical and Presentation Skills
• Good interpersonal and negotiation skills
• Good technical Skills.
• Candidate should have positive attitude, analytical bend of mind & inclination towards project management and process improvement
• Understanding of the Banking Industry
• Banking Product & Process Knowledge
• In depth Regulatory Knowledge of Lending business
• Strong Communication Skills
Credit Skills
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Keyskills :
marketingsalesbusiness developmentmanagementfinancelarge dealsbranch bankingtrend analysiswholesale bankingproject managementdigital conversioncorrective actionsprocess improvementintelligent networksannual budgetinghiscamalmrms