Bharat Banking:Geography Head -Bharat Enterprises Wholesale

The increasing income diversification, evolution of the tech stack, various government schemes to improve livelihoods, and integrating the country via roads and the internet have provided strong tailwinds to the rural and semi urban (RUSU) or ‘Bharat’ markets.   

To better capitalize on the growth runway and “open the world of possibilities” for the Bharat customer, the bank has set up a separate ‘Bharat Bank’ vertical. It is an amalgamation of products and geography, handling certain core products across the country and all the products in the RUSU branches. 

The objective is to accelerate the growth journey by expanding distribution reach via branches, partnerships, and digital presence, creating tailored products and processes, and using the One Axis strategy to harness synergies in all parts of the Bank to deliver to the Bharat customer. The Bank also continues to focus on growing the book profitably by enhancing productivity, improving operational efficiency to reduce cost, and containing risk by leveraging technology such as AI and ML & rigorous portfolio monitoring

Bharat Enterprises-Wholesale team is responsible for providing asset, liability and fee product of the Bank to the customers in the identified geography.

Geography Head is a team lead role, and the individual is responsible for managing multiple zones and regions that is tagged to him/her 

• Manage P&L of Zone
• Manage the regional teams and credit team
• Onboard NTB clients
• Manage ETB clients and deepen relationship
• Represent cases in committee and get approvals
• Cross sell transaction banking and liability products to ETB and NTBs
• Manage asset quality of the book
• Ensuring compliance aspects like DTM, EWS, PNPA, DPD, LEI, UFCE, PSC, Stale rating etc are taken care of 
• Ensure all audit queries are responded. 
• Resolve operational, audit and compliance issues
• Hire train and retain RSMs, RMs and CAs

Optimal qualification for success on the job is:

• CA or MBA from a recognized institute
• Minimum 10+ years of experience in related banking activities

•      Other graduates with relevant experience would also be considered

For successful execution of the job, the candidate should possess the following:

• Sound understanding of transaction banking
• Ability to manage multiple stakeholders
• Good understanding of corporate client space
• Good relationship management skills