Manager-Liabilities Strategy

Ujjivan Financial Services

8-12 Years

Not Disclosed

Bengaluru, India

Posted 9 hours ago
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Job Description

POSITION DESCRIPTION

JOB TITLE : Manager-Liabilities Strategy

GRADE : AVP-I

DEPARTMENT : Strategy & Transformation

LOCATION : HO

SUB-DEPARTMENT : Strategy & Key Initiatives

TYPE OF POSITION : Full-time

REPORTS TO : Lead-Liabilities Strategy

REPORTING INTO

NA

ROLE PURPOSE & OBJECTIVE
Support creation and periodically modification of bank's medium to long-term strategy ensuring seamless translation of strategic objectives into actionable business plans and measurable outcomes across all business verticals.
To identify, plan, and support execute strategic initiatives that drive sustainable liabilities growth, reduce cost of funds, improve branch and overall profitability in alignment with organizational vision and regulatory requirements.
Ensure envisioned outcomes of the identified initiatives are achieved within desired timelines.
Monitor and report on key performance indicators to measure the success of strategic initiatives
SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Liabilities: 36,000+ Cr.
Number of portfolio products: 20+
KEY DUTIES & RESPONSIBILITIES OF THE ROLE

Business/ Financials

Support the annual strategic planning exercise across businesses and quarterly strategy reviews
Develop deposit mobilization strategies to support asset growth and optimize cost of funds
Oversee the conduct of in-depth market research and competitive analysis to identify growth opportunities and potential threats.
Analyze industry trends, best practices and competitive landscape to guide strategic thinking and decisions.
Oversee liability portfolio performance including CASA ratio optimization and deposit retention strategies
Formulate branch expansion strategies ensuring 25% rural presence requirement

Customer (Both Internal & External)

Study customer segments and work with businesses to identify new products and services or recommend changes to current offerings
Collaborate with branch teams to improve customer acquisition and relationship deepening initiatives
Identify customer experience enhancement initiatives
Identify partnership opportunities with fintech companies

Internal Process

Management presentations on strategic initiatives and market developments
Collaborate extensively internally to ensure the Bank's strategy is effectively structured and embedded so that teams and colleagues know how they contribute to the Bank's overall objectives.
Establish governance frameworks for strategic initiatives, ensuring that all new initiatives are monitored for success and aligned with the bank's strategic priorities.
Collaborate effectively with Finance team to ensure robust monitoring and reporting of the Bank's progress against its objectives.
Develop performance management frameworks to monitor strategic initiatives across business verticals, ensuring timely and effective execution.
Provide feedback on required analysis to advance solution development and to support execution of strategic initiatives, digital growth and data-based decisions in day to day working of the bank
Analyze risks and complex issues to provide strategic guidance & efficient solutions.
Ensure timely submission of all regulatory reports with zero non-compliance instances

Innovation & Learning

Research industry best practices and emerging trends in liability management
Support organizational transformation and change management initiatives
Promote a culture of innovation and data orientation across the bank by encouraging teams to develop creative solutions for business challenges.
Foster collaborative working relationships across departments and regions

V. Minimum Requirements Of Knowledge & Skills

Educational

Qualifications

Essential: Master's degree in Business Administration (MBA) from reputed institution with specialization in Strategy, Finance, or Banking
Preferred: Additional professional qualifications such as CFA, CA, or equivalent
Alternative: Master's in Economics, Finance, or related field with demonstrated strategic experience

Experience Range (Years and Core Experience Type)

Minimum: 8-12 years of progressive experience in banking, financial services, or strategic consulting.

Certifications

Certifications in Strategic Planning, Digital Transformation or Business Analytics will be advantageous

Functional Skills

Financial Analysis: Advanced financial modeling, ratio analysis, and performance measurement
Strategic Planning: Business plan development, competitive analysis, and market research
Data Analytics: Proficiency in data-driven decision making and analytics tools
Regulatory Knowledge: Deep understanding of RBI guidelines, banking regulations, and compliance requirements
Project Management: Experience managing complex, multi-stakeholder strategic initiatives

Behavioral Skills

Strategic Thinking: Ability to analyze complex business scenarios and develop long-term solutions
Communication: Excellent presentation and stakeholder management skills for board and senior management interactions
Leadership: Strong collaborative leadership style to influence without direct authority
Analytical Mindset: Data-driven decision making with attention to detail and accuracy
Adaptability: Ability to thrive in fast-paced, regulatory environment with changing priorities

Competencies

Business Acumen: Understanding of banking business models, revenue drivers, and risk factors
Stakeholder Management: Building relationships across internal teams and external partners
Problem Solving: Systematic approach to identifying issues and developing actionable solutions
Change Management: Leading organizational transformation and strategic initiatives

VI. KEY INTERACTIONS

INTERNAL

EXTERNAL