OBJECTIVES: Responsible for Overall Supervision and Management of operations in branches under Region to ensure smooth and error-free functioning. 1. Overall guidance and supervision of branches in area for error-free operations of: To manage file processing and disbursal of loans for the entire gambit of retail asset/ business banking products offered by the bank as mentioned below: o Secured Loans (Auto, TW, CTG, CD, GL) o Unsecured Loans (PL, BL, SHG) o Mortgage Loans (LAP, LARR)/ Working capital facilities for customers with turnover up-to 200 crores (BBG, EEG, ABC, SAB, HCF, CV, Inventory Funding) o Agri Lending (Kissan Gold Card, Rural Initiative Group, Tractor Loans) o Loan against Securities ( Shares, Bonds, NSC, KVP) To focus on productivity and achieve efficiency levels as desired by senior management Ability to manage large teams and effectively supervise, monitor and control Closely interact with business teams and deliver on the expectations to enhance customer delight To manage other critical activities like post disbursal document updations post disbursement servicing, deferral / Stock statement/ insurance updations 2. Cost and volumes management - Take corrective action for reduction of costs and unproductive volumes. 3. Roll out of new products at all branches under region. 4. Analyze root cause of attempted fraud / actual fraud and suggestion of corrective measures. 5. Investigate staff lapses / errors and take corrective actions. 6. Take up issues relating to infrastructure / utilities/ systems. 7. Handling Internal Audit - replying to queries, closure of the queries/ reports. 8. Identify and recommend measures to check unproductive volumes and cases of potential misuse of the banking systems. 9. Ensuring implementation of changes in processes. 10. Suggest gaps in processes, if any, and changes required to address such gaps. 11. Conducting staff training/ interactions to identify and address understanding issues. 12. Monitor the staff requirement at all branches in the area. 13. Track developments, issues, requirement and feedback from AOMs/ BOMs and ensure resolution of issues and maintain high morale. 14. Suggest new systems / processes for better management of operations. 15. Visit to each branch at least once in quarter, regular interaction with all AOMs/ BOMS of the reporting branches. 16. Tracking implementation of projects, track closure & savings of projects, MIS on the status of implementation to ROM/ ZOH. 17. Promote CSR initiatives, go green initiatives 18. To ensure that all hubs have appropriate infrastructures 19. To ensure timely resolution of customer escalations and to work on reduction of the same. Regularly monitor service time and wait time at customer service centres 20. Any other responsibilities entrusted from time to time. 21. The above responsibilities will remain in force until any further changes are advised in due course.