Job Description Job Title - Cluster Manager - Rural Mortgage Place of work – Jhajjar, Haryana Business Unit - Retail Banking Function – Rural Banking Job Purpose The role entails managing and scaling up the Rural banking business for the assigned branches by creating strategies to achieve growth targets for the branches by managing operations and resources in the most cost efficient and technology effective manner. It also entails developing constructive relationships with key local dealers and working closely with them to boost volume of business by establishing a strong foundation with them as their financial partner of choice. It is accountable to ensure expansion of branch footprint, product penetration and delivery of high-quality customer service. The role will closely collaborate with the product and operations teams to drive effective customer acquisition, servicing and deepening. It includes building up teams, systems, process and culture relevant to the branch network scale. The role holder is responsible to deliver on the goals of customer and employee satisfaction. The role has a P&L responsibility contributing to the larger branch banking objectives. Responsibilities Roles & Responsibilities: Own the P&L for the branches assigned and direct all operational aspects including distribution operations, customer service, administration and sales. Achieve & exceed Business goals and targets by implementing region specific strategies. Responsible for working towards achieving sustainable profitability for both Assets and Liabilities sales of the branches. Custodian of people, processes and documents for the branches for the assigned region; expected to manage the P&L for the branches and work towards achieving sustainable profitability. Understand competitive landscape and market dynamics and provide necessary feedback to product teams. Manage a team of branch managers to drive client acquisition, deepening of existing relationships and addressing all needs of customers by providing gamut of banking services. Monitor collections and recoveries of repayments against loans. Ensure pricing, business process & policies are in organizations best interest. Assess and monitor portfolio quality and loan limits by working closely with risk & credit teams, to take necessary corrective actions. Conduct field audits and customer verifications. Achieve productivity, efficiency, financial (budget and cash flow), customer service targets and ensure statutory compliance for the branches. Responsible for building capabilities to sell multiple products, across locations. Share knowledge with other regions, clusters branches and headquarters on effective practices, competitive intelligence, business opportunities and needs. Adhere to high ethical standards and comply with all regulations/applicable laws. Cultivate relationships with individual and corporate customers. Spearhead manpower planning, recruitment and training processes for both on-roll and off-roll employees to ensure high performing talent across levels. Develop and implement livelihood advancement and community development initiatives. Bring out the best of branch’s personnel by providing training, coaching, development and guidance. Evaluate the feasibility of new initiatives in offering, channel & process point of view and ensure its implementation to improve overall operational efficiency. Collaborate with other branch departments and functions to provide products and service offerings to the customer. Managerial & Leadership Responsibilities Mentor and coach senior team members to percolate ethos of customer centricity, innovation, compliance and integrity. Create environment for team to focus on automation and digital enablement to fulfil customer’s needs holistically. Attract & retain best-in class talent to meet Bank's rapid growth targets. Ensuring highest levels of employee relationship, motivation & engagement to drive results & high levels of employee satisfaction. Educational Qualifications Bachelors in Math’s / Commerce / Arts / Science / Biology / Business / Computers / Engineering / Management / any other. Experience 6- 12 years of relevant experience in Rural Branch Banking or allied Business.