FP&S along with Head - Assets Corporate Financial Planning & Strategy

- Writing strategy document for the bank, making long-term business plans for the Bank and the liability verticals

- Finance partner to business heads and giving them full support while developing product programs, annual budget/ long-term strategy, various cost benefit analysis, profitability at vertical & product level, analysis of cost of fund, funding strategy for the bank, analysis of treasury portfolio.

- Support to the senior leadership team in the formulation of business strategy, business plan, budget and target setting

- Support the Head of strategy and business heads to conduct review of performance at various levels - Bank/ vertical/region etc.

- Drive improvements to the existing business processes, develop and review new business processes as per the strategic goals.

Various data analysis on regular basis like P&L / Balance sheet analysis, productivity, profitability, variable pay, automation etc.

- Handle all verticals with primary objective of raising liabilities (Treasury, FIG, Branch Banking, TASC, TPP etc.)

SIZE OF THE ROLE:

FINANCIAL SIZE:

NON-FINANCIAL SIZE:

- Asset and Liabilities Book ~35000 Cr

Business:

- Prepare a draft long-term and short-term business plan with annual targets basis the market potenti al and the objective of the Bank. It involves a mix of top-down and bott om-up approach as the need may be; product wise and region wise targets, guide the team for preparation of budget and business profitability

- Review the progress against targets on a periodic basis and prepare reports on the target achievements. Also, help businesses to understand the variance and come-up with corrective action.

- Prepare capital, revenue and expense budgets in coordination with the respective departments and present to Senior Management

- Prepare and submit, branch & region review reports and other performance reports for evaluation and review to the management/ board of directors

- Continuously scan the market environment on performance of peer banks on Ujjivan's focus regions and various customer segments; provide strategic information to the senior leadership.

- Work closely with IT team and BI implementation team for implementation/customizations required in the IT platforms which are required based on Ujjivan's needs

Customer:

- Track competition and analyze market intelligence

- Keep a track of industry updates and trends in terms of best practices, new customer service trends, products/ services, delivery channels, sourcing channels, marketing/ branding etc.

- Enhancing the FTP policy of the Bank based on the changing market as well as internal funding scenario. Also, keep the policy compliant with regulatory requirements that may change time-to-time.

- Should be face from the finance side for the Management on all the requirements of Bank's Liabilities side.

- Prepare Business update for the Board on behalf of CBO/ MD. Co-ordinate with all business, Marketing, Digital, HR, Investor Relations and other relevant teams.

Finance partner of Business Heads

Internal Process:

- Build a top level, forecasting model to analyze current business.

- Provide necessary financial analysis reports to the senior leadership team and various business heads within the specified timelines.

- Review Branch Profitability analysis and discuss with Business Head/ CBO; review monthly MIS for board highlighting the key achievements of relevant verticals

- Conduct Business Review- Monthly business & financial performance analysis, detailed income expense variance analysis, analysis of performance against budget with business head/ CBO

- Ensure adherence to all new business processes and process changes are in line with the guidelines prescribed by the RBI and other regulatory bodies.

- Detailed analysis of the Cost of Fund movement and its impact on the funding strategy of the bank

- Monthly analysis of the deposit book to be done for the Asset and Liability Committee of the Bank

- Treasury book review - Analysis of the investment book of the bank tracking its yield of its various components and it's impact on Bank's margin

- Preparing detailed overall funding strategy (deposits and borrowings) of the bank keeping in mind the micro and macro-economic factors

Learning & Performance:

- Ensure adherence to training man-days/ mandatory training programs for self.