Branch Manager, Kulim Branch
- Kulim, Kedah
- Permanent
- Full-time
- Oversee and manage day-to-day operations of the branch, ensuring efficiency, compliance, and adherence to banking policies and procedures.
- Supervise, train, and motivate branch staff to provide excellent customer service and achieve branch objectives.
- Manage branch resources, including staffing, scheduling, and operational costs, to ensure profitability and efficiency.
- Ensure compliance with banking regulations, internal policies, and audit requirements, including cash management and security.
- Drive the acquisition and growth of deposit accounts (e.g., savings, current accounts, fixed deposits) through targeted sales strategies and customer outreach.
- Design and execute campaigns that promote deposit products to new and existing customers.
- Monitor and analyze deposit product performance, adjust strategies as needed to meet targets, and provide staff with the tools and support needed for success.
- Maintain a strong understanding of market trends and competitor products to offer competitive and relevant deposit solutions.
- Identify opportunities to increase fee-based income by cross-selling products
- Educate customers on available fee-based services, ensuring that they are fully informed about their options and the value these services provide.
- Work closely with the operations team to streamline the delivery of fee-based services and ensure operational efficiency.
- Build and maintain long-term relationships with customers, acting as their primary point of contact for banking, investment, and financial needs.
- Ensure a high level of customer satisfaction by resolving complaints, addressing concerns, and providing solutions to enhance the overall banking experience.
- Conduct regular follow-up meetings with key customers to assess their evolving needs and identify cross-sell or upsell opportunities.
- Lead the branch team in achieving sales and performance targets, particularly in deposit product sales, fee-based services, and investment products.
- Monitor individual and team performance and provide coaching, guidance, and motivation to ensure all staff members meet or exceed goals.
- Develop and implement action plans to address performance gaps, optimize sales strategies, and drive results.
- Ensure all branch activities related to deposit, investment, and fee-based products comply with legal, regulatory, and internal policies.
- Conduct regular audits and assessments to identify and mitigate risks related to operational processes, customer transactions, and product offerings.
- Educate staff on anti-money laundering (AML), know-your-customer (KYC), and other compliance standards related to banking products and services.
- Minimum 8 years of experience in retail banking or financial services, with at least 2 years in a managerial or leadership role.
- Proven track record in sales, particularly in deposit products, fee-based services, and investment products.
- Solid understanding of financial markets, investment products, and banking operations.
- Strong leadership, management, and team-building skills.
- Excellent sales, negotiation, and customer service abilities.
- In-depth knowledge of deposit products, fee-based services, and investment solutions.
- Strong communication skills, both verbal and written.
- Ability to work under pressure, meet deadlines, and drive results.