Technician - Electrical - Dubai, United Arab Emirates - Empire HR Solutions PTY Ltd

Description

OverallGoal:
Responsiblefor meeting the branch targets set and that all guidelines andregulatory requirements arefollowed.
Ensuring that customersget world-class services and their needs are understood and metthrough financial products that the Bank has tooffer.
Responsible for managing,training and motivatingstaff.
Responsible to representHDFC bank wheneverrequired

BusinessAchievement and Development :
- Ensure proper scoping is doneand target/niche customers identified with ACTIVE collaborationfrom concerned Product/Sales SupportTeams
- Ensure that the targets onliability accounts, through the channel (Branch and direct sales),are met under all parameters specified:
a) Attain SB nos and values-meet number and value targets
b)Attain CA nos and values in the area- meet number and valuetargets
c) Cross sell FDs to thecustomers of the Bank and achieve number and valuetargets
d) There is higherpenetration of FD on individual customers of thebranch
e) Salary accounts and NRaccounts targets are also met
-Ensure quality of sourcing is maintained and depletion rates arecontrolled.
- Ensure that Salarycredits reach or exceed the expect Salary Credittargets
- Ensure that all managedportfolios (Preferred/Classic/Imperia, etc) are effectively managedthrough PB- s, RM- s, Imperia RM, IRM, Investment Advisors etc. andthat set targets on each of the portfolios isreached.
- Also, BM has to ensureseamless servicing of PBG & BBG raced HNW customers incoordination with the respective PBG/BBG RM &Supervisors.
- Staff is made awareof the targets on the portfolio (Preferred/Classic/Imperia, etc),which includes Customer To Group Ratio and Income GeneratingProduct Holding.
- Ensure that theHigh Networth individuals are persuaded to avail the privatebanking products and services (advisory,etc)
- Ensure that followingcustomer and business reports are generated, reviewed andcommitments met :
a)CRA
b)MARS
c) CCMUpdated
- Ensure cross sell ofDe-Mat and HSL product andservices.
- Ensure that there iscross sell to the customer on asset products as offered by theBank.
- Ensure that the customersget credit cards and start using the same for all theirtransactions- credit card activationpush.
- Ensure that cross selltargets on Third Party Products is met for thebranch
- Ensure Staff are trainedon product knowledge and requisitecertifications
- Review DailySales Report of the staff and provide guidance on ways to improveon the same
- Penetration ofSaving Accounts on non liability customers and that staff call onthe marketing analytics list and take appropriateaction
- Managing and monitoringperformance of all the sales resources:
a) Productivity of Liability andNon Liability sales staff
-Attrition control of customers:
a) Includes persuading thecustomer to continue and if required renew FD-s
b) Monitor large amountmovements/account closure from the deposit accounts and ensure thatcustomer does not attrite
c)Ensure that the marketing analytics list on possible attrite iscalled and retained :
- Ensurethat there is no revenue leakage
-Ensure that the Branch reaches its contribution targets:
a) Byfoc
b) By achieving NII,cross-sell, fee and commission and otherincome
- Ensure that the Branchachieves its assets target.
-Periodic meeting and review with Sales Managers on the branchperformance
Customer Services:
- Ensure quality sourcing ofaccounts by all sales staff.
-Responsible for ensuring that customers get disbursals of amountagainst the loan as per the new initiativesin
- Financial Inclusion that theyhave availed of, within TAT
-Ensure that branch offers highest quality of service to thecustomer and meets expected Service Qualitystandard
- Ensure that high volumeand low value customers are managed effectively:
a) Migrated to DBCs &ensure welcome desk staff migrates maximum number of customers toDirect banking channels.
b) Ensurecross sell done as per process
-Ensure that the lobby is not crowded and time norms set by the bankare met for prompt delivery of services over thecounter
- Ensure that branch hasgood upkeep :
a) LobbyManagement
b) Cleanliness of theBranch, Housekeeping
c)Merchandising
d) Queue handling:
- Recording complaints as perthe specified process
- Resolvingall complaints received (self, branch, other units) within thestipulated TAT :
a) Monitor allcomplaints received and ensure that they are closed withinTAT
b) Improve customercommunication on closures
c) Checkwith customers if the process of complaint has been managedwell
d) Ensure no escalationshappen
e) Preventive complaintmanagement
f) Asking for feedbackfrom customers, who are notcomplaining
e) Discussing withstaff the importance of getting feedback from customers on aregular basis
- Promoting alldirect banking channels and ensuring that the customer is utilizingthe same :
a) Monitor and ensurethat PB and PB-WD are selling and aiding customers and are activelyselling DBC services
- Ensure Band1 / Band 2 customers are moved to higherbands.

Operations:
- Conduct internalchecks on a regular basis
-Monitoring of CH 106 and CH 126calling
- As vault custodian isresponsible for all related processchecks
- Joint custodian forsys-admin and setup within the branch:
a) Ensure that password sharingdoes not happen
b) Ensure allhygiene factors are undercontrol.
c) Ensure all AML alrertsare investigated and responded to withinTAT.
- Error free documentationfor all account opening and all customer instructions (Stoppayments, FD Closure, etc) :
a)Monitor and audit internally if this is being followed by allconcerned sales staff
-Maintaining Tatkal kits as per laid downprocess
- Monitor lockersallocation and all other relatedoperations
- Updation of LTS forthe asset leads generated
a)Monitor the same for all PB- s :
-Updation of weed-out database on theportal
- Monitoring of Activationand Depletion of accounts
- Checkall finware reports and action the same (CH 123, CH 167, BA 001, SMreports, ST 044, ST
Audit andService Quality :
- Ensure alllaid down system and process are followed as stipulated by Auditand Senior Management
- Monthly /Periodic Verification of Auditable items atbranches
- Review of Daily Reportsat branch
- Review of suspense,TOD, large transaction and suspicious transaction reporting /registers at the branch on a fortnightlybasis
- Ensure Satisfactory Auditat the branch
- Ensure all Auditcomments are quickly attended to and report compliancetherof
- Maintenacnce of allmandatory displays and Service Qualityrequirements
- Ensure that 5-Snorms are adhered to, maintained and sustained at all counters atthe branches.
- Ensure there is NOrepeat rating of - Average- or - Below Average-.
Additional Responsibilities aspart of new Initiatives incorporated in Retail Branch Banking.:
1. Single City Initiative - Wbo:
- Responsible / Oversee allclearing operations at branch under Single CityInitiative
2. Gold Loan:
- Responsible for generation,follow up and closure of all gold loanleads
- Help in in assayerempanelment.
Ensure KYC complaincefor all gold loans and disbursement at branch for loans within onelac
3. LAS:
- Responsible for generation ofleads for LAS under Financial inclusion, follow up and closure.
- Ensure KYC compliance for allLAS loans and disbursement at branch for loans within onelac
4. Single City Initiative- FIG:
- Responsible for follow up forall leads pertaining to Single City Initiative -FIG
- Submission of offer letterto the customers for openingaccounts
- Documentation of thenew accounts as required by thebank
5. Remote BranchCo-ordination Model :
- UnderRemote Branch co ordination model Branch Managers are beingempowered to tap business at locations where dedicated RMs are notpresent. The following business are covered under thismodel
- Businessbanking
-EEG
- Retail-Agri
-Com-fin
The additionalresponsibilities under this model include:
- LeadGeneration
- CustomerMeeting
- Pre-sanctiondocuments
- Processing &Sanction
- Post Sanctiondocumentation
- Disbursement,Takeovers & DeferralClearance
- Creation ofSecurities
a) Deposit of titledeeds (in case of EM)
-Servicing
a) Transaction relatedservicing requirements
-Monitoring
a) Visits Reports (forbiz.)
b) StockStatements

Requirements

EducationalQualifications:Graduation/Post-Graduation

Certifications:

• AMFICertification
  
• IRDACertification
  
• NCFMCertification(Optional)
  

KeySkills:

• BanksProductKnowledge
  
• Planningand OrganizingSkills
  
• TeamManagement / InterpersonalSkills
  
• Salesand InfluencingSkills
  
• Communication
  
• KnowledgeofCompetition
  
• Awarenessof Bankingregulations
  
• Creditknowledge whenrequired
  
• GoodAdministrator
  
• Goodatnet-working
  
• Abilityto develop contacts in the localarea
  
• .
  

ExperienceRequired:

• Minimumexperience in years 4 to 10yr
  
• Exposureto banking preferable
  

Benefits

Benefitslike Gratuity, Subsidized loan for Home, Vehicle and Personal areadditional benefits apart fromSalary

AboutClient:HDFCBank Limited is an Indian banking and financial services companyheadquartered in Mumbai. It is Indias largest private sector bankby assets and the worlds 10th largest bank by market capitalisationas of April2021

Educational Qualifications: Graduation/Post-GraduationCertifications: AMFI Certification IRDA Certification NCFMCertification (Optional) Key Skills: Banks Product KnowledgePlanning and Organizing Skills Team Management / InterpersonalSkills Sales and Influencing Skills Communication Knowledge ofCompetition Awareness of Banking regulations Credit knowledge whenrequired Good Administrator Good at net-working Ability to developcontacts in the local area . Experience Required: Minimumexperience in years 4 to 10 yr Exposure to bankingpreferable