National Head - Liabilities

1. National Sales & Business Growth:

- Develop and execute the national sales strategy for the Liabilities business.

- Drive growth across CASA, Savings Accounts, Current Accounts, Term Deposits and other liability products.

- Deliver annual and monthly business targets across regions, zones and branches.

- Identify new markets, customer segments and acquisition opportunities to increase the liability franchise.

- Drive NTB acquisition and improve customer acquisition productivity.

2. CASA & Deposit Mobilization:

- Build a sustainable CASA acquisition and deposit mobilization engine.

- Drive Current Account and Savings Account acquisition across retail, affluent, SME and business segments.

- Increase average balance, customer wallet share and deposit retention.

- Drive Term Deposit growth while maintaining a healthy liability mix.

- Monitor branch/region-wise CASA, TD, NTB and activation metrics.

3. Sales Channel Leadership:

- Lead and strengthen multiple liability sales channels, including:

1. Business Banking

2. Corporate Salary

3. Government Banking

4. Institutional Banking

4. Team Management:

- Lead a large pan-India sales organization comprising National/Regional/Zonal/Cluster/Branch-level teams.

- Set clear sales targets and KRAs for regional and frontline teams.

- Improve sales productivity, conversion ratios and lead-to-account activation.

5. Customer Acquisition & Market Development:

- Develop acquisition strategies for Retail, Affluent, HNI, Ultra-HNI, SME, Corporate and Institutional customers.

- Build local market acquisition programs through branches and sales teams.