Job Title Cluster Head Business Unit Retail Branch Banking Reporting To Circle Head/Zonal Head/Regional Head Job Function and Role Type Sales, Supervisory, Extensive Travel Required Version No 2.0 Job Purpose Lead a result-oriented team to manage cluster profitability, achieve sales targets, and ensure high-quality customer relationship management. Oversee branch operations, compliance, and achievement of business objectives. Key Responsibilities Achievement of Business Targets Achieve income and contribution targets. Achieve incremental CASA targets. Cross-sell products like Demat, Credit Cards, and Insurance. Program / Channel Management Ensure RM & IRM channel target achievement. Manage HNW portfolios and customer service. Achieve cross-sell ratio targets. Corporate Salary Program Grow corporate salary account portfolio. Achieve incremental value and account targets. Ensure cross-sell ratio for corporate accounts. PB Portfolio / Customer Contact Management Grow SB and Current Account portfolios. Ensure customer contact ratio. Achieve cross-sell ratio targets. Direct Banking Channel Achieve branch business plans on income and CASA. Turn around underperforming branches. Promote fee-earning products like ATM acquiring and Retail FX. Customer Service Control attrition and grow existing portfolios. Resolve complaints and improve TAT. Organize customer meets for feedback. Network Expansion Plan and execute branch and offsite ATM expansion. Identify and lease properties for new branches. People Management Recruit and train staff on skills and product knowledge. Motivate staff and manage turnover. Foster a high-morale work environment. Branch Operations Maintain high audit ratings. Prevent frauds and operational errors. Cost Management & Staff Productivity Control costs within budget. Improve branch profitability and staff productivity. Weed out unprofitable accounts. Others Support direct sales teams and other business groups. Lead marketing activities and branch visits. Communicate senior management directives effectively. Education: Graduation (minimum). Certifications: AMFI Certification (optional), IRDA Certification (optional), NCFM Certification (optional). Key Competencies Strategic vision, customer focus, decision-making, team leadership, adaptability. Major Stakeholders Customers, retail marketing, audit, IT, product development, retail operations, RBI officials.