Senior Associate, Branch Head, Consumer Banking Group

Business Function

As the leading bank in Asia, DBS Consumer Banking Group is in a unique position to help our customers realise their dreams and ambitions. As a market leader in the consumer banking business, DBS has a full spectrum of products and services, including deposits, investments, insurance, mortgages, credit cards and personal loans, to help our customers realise their dreams and aspirations at every life stage. Our financial solutions are not only the best in the business they were made just right for you.

Job Purpose

• Drive overall business of the branch by ensuring exceptional customer service, proactive sales environment, seamless back-office operations and overall profitable branch
• Enhance existing relationships with customers and build new relationships to increase the customer base
• Ensure compliance with all applicable external and internal regulations and guidelines

Key Accountabilities

• Drive implementation of the overall Bank strategy at branch level (asset and liability, marketing, sales, operations) in consultation with the Cluster Head
• Develop and implement branch specific marketing & communication strategies to build DBS brand and to achieve branch targets
• Owner of Branch P&L, Cascade the branch scorecard to branch and sales employees to ensure achievement of targets

• Develop and ensure adherence to the operating budget for the branch in line with the corporate and regional budget

Job Duties and Responsibilities

• Generate sales through assets, liability and other banking products as well as TPP
• Monitor on a regular basis the actual achievement of sales targets vis- -vis plans for the branch; take necessary action to minimize deviations, if any
• Build and manage effective customer relationship with key customers tagged to him/her; enable superior customer service to them; Advise them on making robust investment and financial decisions
• Reduce customer dormancy and customer attrition
• Ensure branch target achievement through effective upselling and cross selling
• Develop the business prospects in the branch vicinity by scouting for avenues to expand overall branch book, both assets & liability portfolio qualitatively & quantitatively
• Ensure effective execution of marketing campaigns and conversion of customer referrals
• Drive Business growth through prospective high net worth individuals, along with Relationship managers to maintain positive relationships
• Address customer queries and grievances escalated by the branch personnel in a timely manner
• Ensure Lead sharing with respective Business like IBG for Assets etc.
• Manage public relations and liaison with local government authorities / RBI/ other banks for day to day branch operations and reporting
• Support the internal and external audit team in carrying out the periodic branch audit; Formulate action plans to address the deviations found in audit
• Provide guidance to branch personnel on effective customer relationship management, sales, customer service and compliance to ensure achievement of individual targets.
• Take overall responsibility for identification of training needs and completion of mandatory certifications for branch personnel
• Drive a performance driven culture in the team by timely monitoring, review of performance parameters and feedback to the team members

Required Experience

• 6-8 years in handling Branch of a reputed Bank

Education / Preferred Qualifications

• MBA

Core Competencies

• Excellent interpersonal and communication skills
• Ability to build strong relationships with clients.
• Responsible
• Ability to meet deadlines.
• Knowledge about internal/external regulations.

Technical Competencies

• Good Computer Knowledge

Work Relationship

• Effective communication between self and superior
• Inter-personal skills & team player
• Display of RED Attitude (Reliable, Easy to deal with & Dependable)

DBS India - Culture & Behaviors

DBS is committed to building a culture where all employees are valued, respected and their opinions count. We take pride in providing a workplace that fosters continuous professional development, flexible working, and opportunities to grow within an inclusive and diverse environment. Expected value driven behaviors are:

• Ensure Customer Focus by Delighting Customers & Reduce Complaints
• Build Pride and Passion to Protect, Maintain and Enhance DBS Reputation
• Enhance Self Knowledge, Skills and develop Competencies aimed at continuous improvement
• Maintain the Highest Standards of Honesty and Integrity

Apply Now

We offer a competitive salary and benefits package and the professional advantages of a dynamic environment that supports your development and recognises your achievements.