Analyst, Cluster Head- Current Account, Consumer Banking Group

Key Responsibilities

• Cluster Business Ownership
• Deliver new\-to\-bank current\-account acquisition, account activation, average quarterly balance growth, transaction throughput and fee\-income targets for the cluster.
• Build and execute a catchment\-led acquisition strategy for high\-potential business segments such as wholesalers, distributors, manufacturers, traders, schools, hospitals, clinics, professional firms and service establishments.
• Translate cluster targets into branch\-, team\- and individual\-level productivity plans.
• Own the current\-account business plan, sales funnel, conversion pipeline and weekly performance rhythm.
• Improve portfolio quality by prioritising transaction\-active, balance\-building and cross\-sell\-ready relationships over dormant or low\-value acquisition.
• Sales Leadership and Channel Execution
• Lead, coach and motivate a field\-sales organisation to consistently deliver acquisition and value\-build targets.
• Establish a disciplined sales cadence covering joint calls, market visits, lead reviews, branch huddles, pipeline reviews and conversion tracking.
• Ensure each relationship manager follows a profile\-based sales approach rather than a generic product pitch.
• Develop market intelligence on competitor propositions, local business clusters, referral sources and emerging commercial hubs.
• Build productive referral ecosystems with Chartered Accountants, trade associations, market intermediaries, merchant networks, developers, institutional administrators and existing clients.
• Current\-Account Activation and Value Build\-Up
• Ensure newly acquired accounts become transaction\-active within defined activation timelines.
• Drive operating balances, inward credits, collections, payment activity and digital banking adoption.
• Track early\-warning indicators including low funding, non\-activation, declining balances, low transaction velocity and potential attrition.
• Build strategies to migrate primary transaction flows—collections, vendor payments, payroll, taxes and operating cash—to the bank.
• Improve account quality by monitoring average balance, debit transactions, credit transactions and account profitability.
• Solution\-Led Cross\-Sell
• Use the current account as the primary operating hub for business clients and identify the appropriate product solution based on the customer’s business model.
• Drive adoption of corporate internet banking and mobile approvals; cash management and bulk payment solutions; POS, Android POS, QR and Soundbox; sweep\-in / sweep\-out or FFD structures; debit cards; collections and transaction banking solutions; and promoter, family, wealth and premium savings propositions.
• Partner with product teams to convert business pain points into integrated propositions—for example, POS for collections, Internet Banking for payment controls, FFD for temporary balances and Aspire/premium banking for promoter wallet deepening.
• Customer Relationship and Service Governance
• Build senior\-level relationships with anchor clients and participate in strategic joint calls for high\-value prospects.
• Ensure timely resolution of onboarding, account\-opening, transaction, service and digital\-banking issues.
• Work with branches and operations teams to reduce turnaround time, improve onboarding quality and strengthen client experience.
• Review top customers and at\-risk accounts regularly to protect balances, transactions and wallet share.
• Drive customer retention through proactive engagement, problem solving and relevant product deepening.
• Risk, Compliance and Portfolio Quality
• Ensure all sourcing, onboarding and account activation follows internal policies and applicable KYC, AML, fraud\-risk and regulatory requirements.
• Maintain high standards of customer due diligence, documentation quality, source\-of\-funds understanding and business\-profile validation.
• Monitor exceptions, unusual transaction behaviour, documentation gaps and operational risks; escalate promptly where needed.
• Build a culture of right\-first\-time acquisition, with no compromise on compliance for target achievement.
• People Leadership
• Recruit, develop, retain and performance\-manage a high\-quality current\-account sales team.
• Set clear scorecards covering acquisition, activation, AQB/AMB, transaction activity, fee income, cross\-sell, productivity, service quality and compliance.
• Conduct structured coaching through joint market visits, call observations, weekly reviews and capability\-building sessions.
• Identify skill gaps and develop targeted interventions around sales planning, segment understanding, solution selling, digital banking and compliance.
• Maintain a strong talent pipeline and manage attrition proactively.

Key Performance IndicatorsDimensionIllustrative KPIsAcquisitionNew\-to\-bank current accounts, high\-value accounts, segment\-wise acquisitionBalance GrowthAQB/AMB growth, activated accounts, value build\-up and balance retentionTransaction PrimacyInward credits, transaction\-active accounts and payment/collection volumesRevenueFee income, POS/QR revenue, cash\-management revenue and cross\-sell revenueProduct PenetrationInternet banking, POS, debit/business card, FFD, assets and promoter bankingPortfolio QualityNon\-activation rate, dormant accounts, early attrition, balance decline and compliance exceptionsTeam PerformanceProductivity per RM, conversion rate, hiring quality, attrition and training completionCustomer ExperienceOnboarding TAT, service\-resolution TAT, complaint trends and retention of top accounts

• *Location:**

Regional Office Coimbatore

• *Job:**

Relationship Management

• *Schedule:**

Regular

• *Employee Status:**

Full time