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Ratnakar Bank Limited (RBL Bank) Recruitment 2016 – 01 Vacancy – Branch Manager – Any Post Graduate/ Any Graduate

Ratnakar Bank Limited (RBL Bank)  has issued a recruitment notification for the recruitment of  Branch Manager through recruitment notification –  Ratnakar Bank Limited (RBL Bank)  Recruitment 2016 –  Candidates who have completed   Any post Graduate / Any Graduate can apply for the new recruitment notification from  Ratnakar Bank Limited (RBL Bank)

Eligible candidates can apply online for the  Branch Manager Job on or before 08/03/2016. Find more information about the vacancy like Age limit, Selection Process, Qualification, Application fee, How to apply etc can be found below.

Company Name
 :   Ratnakar Bank Limited (RBL Bank)
Vacancy Name :  Branch Manager
Educational Qualification :  Any Post Graduate / Any Graduate
Total No of Vacancy :  01 Post
Salary :  NA
Job Location :   Ahmadnagar
Last Date to Apply for this job : 08/03/2016
Address for the Job Vacancy : Ratnakar Bank Limited (RBL Bank)  , Ahmadnagar .

Detail of Post:


Achievement of incremental number and value targets for Liabilities (CA, SA, FD); Assets (Home, Auto & other assets) and Fee Products (MF, LI, GI, Gold & other fee products)Prepare and monitor Sales plan for the branch

Build a healthy asset and liability book.

Increase market share in the catchment area (3 to 5 kms radius)

Major Activities – Sales & Business Development:

Sales Planning :

Prepare and track product wise – liabilities, assets & fee – AOP for the full financial year.

Commerce and catchment mapping

Prepare and review monthly activity calendar of outbound activities of BSM / JO

Roll out MOP for outbound and inbound sales on 1st of every month followed by weekly and monthly reviews.

Review all employees in branch quarterly.

Review productivity of BSMs / BOM’s/ JOs on a weekly basis.

Review and handhold BOM’s & BSMs on a daily basis and Sales Officers (JOs) on a weekly basis.

Conduct Daily Morning Huddles to discuss daily plan and agenda for employees.

Ensure proper on-boarding of all new customers acquired.

Sale of 3 products per customer within 90 days of account opening.

Track inflow outflow reports, account closures, FD renewals, FD closures, overdue FD, locker occupancy, Sales and thus daily business generation

Maintain quality of customer acquisition through sourcing mix and on-boarding process.

Monitoring DSRs on a regular basis.

Lead management proper assignment and closure of leads.

Tapping markets or customer segments within the catchment of the branch, which are hitherto untapped, to increase the GL Base of the branch.

Principal Accountabilities – Customer Service :

Manage Key Branch Relationships

Ensure Wait Time within permissible limits as per segmental service approach

Ensure Wait Time within permissible limits as per segmental service approach

Achievement of branch Customer Service Scores target

Nil Critical Requests at branch

Nil Escalations at branch and complaint handling

Make 10 customer visits every week (Top 20% of profitable customers of branch) to maintain and enhance the relationships.

Scrutinize all service requests and AOFs being sent to RPC to ensure NIL rejections.

Conduct customer engagement program – every month.

Lobby Management to be done daily during peak hours.

Prepare staff roister, leave calendar and maker-checker seating arrangement

Inculcating first contact resolution and adherence to customer service mantras by employees at branch

Resolve customer queries through internal escalation matrix for enhanced service experience for customers

Implement usage of Product Database among employees for instant resolution of customer’s queries

Principal Accountabilities – Compliance & Risk Management :

Ensure operations, risk control and process adherence at branches

Branch Audit scores

Fraud prevention

Ops risk monitoring

RBI audits, inspections and incognito visits

Major Activities – Compliance & Risk Management


    1. Ensuring operations and Risk control at branches in line with internal and regulatory guidelines as per Operations Manual and e-circulars issued from time to time
            Checking, authorizing and verification of various reports
            Irregularity report – Daily
            Exception report – Daily
            TOD reports – Daily
            Pending IBRs to be responded – Daily
            • Second level verification of Mitra Committee Report- Daily

• Format F (Expenditure) – Monthly

          3. Updation, maintenance and periodic checking of important registers
          • Fake notes register
          • Branch book
          • Complaints register/ book
          • Visitor book
          Maintenance of keys of


    Fake note box
          Physical verification of various security items
          Surprise physical verification of cash, foreign currency, keys, gold coins, jewel loan packets and welcome kits – Monthly
          Physical verification of original and duplicate keys – Quarterly
          Physical verification of locker master keys and vacant locker keys – Quarterly
          Checks to be done in respect of asset servicing
          Non DRO branches- unreconciled open items as per data received from COPS-Repayment team
          Ensuring that at least one authorized signatory available in the branch for signing NOC

Account sourcing – authorizing the KYC documents by checking the genuineness of the customers at the time of account opening

Monitoring outstanding long pending entries in office accounts

Checking all outstanding EDD cases (money laundering)

Clearing his/ her tray for all pending approvals

Closure of Key Audit Findings from IAD audits and observations of RRM visits

Quarterly compliance to audit requirements

Proper handling and reporting of RBI, and other regulatory audits at branches

Creating awareness among employees on fraud prevention, password protection and branch security

Principal Accountabilities – Branch Profitability :

Growth in NII ( Net Interest Income) for branch

Growth in Asset business through branches

            3. Increase Fee Income
            4. Ensure Opex optimization
            5. Manage cost of cash holding at branch
            Major Activities – Branch Profitability :
            1. Enhance for CASA and Time Deposits through service led Sales at branches
            2. Monitor daily inflow and outflow reports, GL reports and Day Book reports
            3. Incremental growth in, home loans and auto loans sourcing at applicable locations
            4. Activate specialized desks depending upon the catchment to generate fee income
            5. Ensure optimal cash holdings at branch so as to reduce idle cash lying at branch
            6. Increase in third party product penetration to enhance fee income opportunity
            Principal Accountabilities – Brand Administration :
            1. Adhere to standardized Brand guidelines – inside the branch and outside the branch
            2. Branch upkeep and maintenance – spic & span
            3. Availability of necessary infrastructure in branch
            Major Activities – Brand Administration :
            1. Monitor external appearance of the branch – fascia, directional signage, entrance, parking area
            2. Review in Branch Look & Feel – lobby area, merchandising calendar for posters, seating arrangement etc on a daily basis
            3. Proper ATM upkeep, notice board and posters
            4. Ensure proper functioning of all branch equipments – PC, Printers, Xerox Machines, scanners, AC, DQM, CDM etc
            5. All employees to be dressed well.
            6. Ensure adherence guidelines at all workstations, storage area and common area
            Principal Accountabilities – Capability Building & Manpower Management :
            Team Building
            Training and Development
            Manpower Planning
            Major Activities – Capability Building & Manpower Management :
            Mentor / ensure mentoring of new joinees for first three months.

2. Job rotation for all employees once in six months

3. Briefing all employees on their role and expectations from them

4. Give structured feedback to employees on a regular basis

5. Conducting Saturday Workshops and in house training programs

6. Certification of employees on AMFI, IRDA and mandated E-Test and E-Learning by all employees in branch

Performance Indicator Measure

1. Retail P&L

Net interest Income Percentage achievement against target

Fee Income Percentage achievement against target. We may need to include cross sell somewhere

2. GL Size of branches

Current Accounts • Number of accounts

• Incremental growth in balance

• Average balance of account (Quality of account)

Savings Accounts

• Number of accounts

• Incremental growth in balance

• Average balance of account (Quality of account) what about salary accounts.

Term Deposits

• Retail penetration of deposits sourced

• Incremental growth in deposits

3. Asset Targets (Specific to region being handled)

Home Loans • % disbursement achievement against target. Please include loans against collateral

Auto Loans • % disbursement achievement against target

Personal Loans • % disbursement achievement against target

4. Overall Branch Health

Customer Service Branch customer service scores

Compliance IAD Audit Scores and fraud prevention scores


• At least 8 years of prior experience

Selection Procedure::

candidates can apply on or before 08/03/2016

No detailed information about the selection procedure is mentioned in the recruitment notification.

How to apply ?

Candidates should Apply Online. Last date of submission 08/03/2016.

Important dates to remember :

Last Date to Apply for this job 08/03/2016




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