Sr Manager - AML & Compliance

Job Purpose

• Responsible for managing and driving a team of Virtual Relationship Managers (VRM) handling

portfolio of eligible Imperia & Preferred customers in order to achieve the targets set and that all

guidelines and regulatory requirements are followed.

• Ensuring that customers get world-class services and their needs are understood and met through

financial products that the Bank has to offer.

• Consistently meet portfolio objectives defined Viz. sales, income, group product holding etc.

• Ensure adherence to Operations process aimed at zero defect transaction processing & meeting the

Audit & Compliance guidelines.

• Responsible for managing, training and motivating staff.

• All of the above parameters consistently met by the team of VRMs.

• Income generation through a right blend of enhancement of CASA balance and through cross sell of appropriate products. So that the VRM becomes the top of the mind recall amongst the customers in the catchment for all their financial needs and services, thereby ensuring that the VRMs also achieves the key performance parameters set

Job Responsibilities(JR) : 6 – 8 Areas

Business Achievement and Development for VRM & Team

• Ensure proper scoping is done and target / niche customers identified with ACTIVE collaboration from concerned Product/Sales Support Teams

• Ensure that the targets on liability accounts, through the channel (Branch and direct sales), are met under all parameters specified.

o Meet value target for Liability Balances of the customers

o Ensure quality of sourcing is maintained and depletion rates are controlled.

o Ensure that Salary credits reach or exceed the expect Salary Credit targets

• Ensure that all managed portfolios are effectively managed through VRMs and that set targets on each of the portfolios is reached.

• Also, Team Manager has to ensure seamless servicing of customers.

• VRMs are made aware of the Scorecard targets & Portfolio Benchmark.

• Ensure that the High Net worth individuals are persuaded to avail the private banking products and services (advisory, etc.)

• Ensure that there is cross sell to the customer on asset products as offered by the Bank.

• Ensure that the customers get credit cards and start using the same for all their transactions- credit card activation push.

• Income to be generated at a customer level.

• Ensure that cross sell targets on Third Party Products is met for the Unit

• Ensure Staff are trained on product knowledge and requisite certifications

• Engaging with bottom 20% performers and identifying ares of improvement and demonstrating the How.

• Review Daily Sales Report of the staff and provide guidance on ways to improve on the same

• Managing and monitoring performance of all the sales resources

o Productivity of Liability and Non Liability sales staff

• Attrition control of customers

o Includes persuading the customer to continue and if required renew FD’s

§ Monitor large amount movements / account closure from the deposit accounts and ensure that customer does not attrite

o Ensure that the marketing analytics list on possible attrite, is called and retained

• Ensure that there is no revenue leakage

Customer Service / Customer engagement

• Plan monthly/ weekly/ daily contacts for the team of VRMs basis the contact policy & track implementation

of the interaction plan.

• Effective planning & implementation of event based trigger, birthday calls, campaign calls and other defined

objectives for customer contacts.

• Ensure that VRMs offers highest quality of service to the customers and meets expected Service Quality standard by educating the customers to use the Digital Banking mediums for their banking transactions /

needs. This is measured iva call evaluations and Sup

Reviews

• To review contact attempts versus successful contacts and analyze reasons for non-contactable customers.

• Ensure VRMs make regular contact with customers for service as well as business updates.

• Adequate logging of complaints, Reviewing & Resolving all complaints received (VRM, self, branch, other units) within the stipulated TAT

o Monitor all complaints received and ensure that they are closed within TAT

o Improve customer communication on closures

o Check with customers if the process of complaint has been managed well

o Ensure no escalations happen

o Preventive complaint management

o Asking for feedback from customers, who are not complaining

o Discussing with staff the importance of getting feedback from customers on a regular basis

• Periodic review of customer base i.e. Contactibility,

Eligibility, Product penetration & profitability. Take appropriate action to activate every customer / improve

the product penetration & profitability of the customer to become a Primary Banker for the customer.

• Carry out VoC to assess strengths and to ascertain possible improvement areas of the VRMs basis customer feedback. Take appropriate action- reward the VRM for appreciations/ corrective actions as required.

• Monitoring implementation of Sales Process.

Business Generation / Sales Tracking

• Track business generation and income for each VRM in the team on a daily basis, and take due steps.

• Review leads generated by each VRM and ensure real time lead status availability.

• Ensure VRMs actively track their leads, keep customer regularly updated on the lead status & complete the lead closure within a reasonable timeline, basis product.

• Tracking and highlighting possible customer issues on account of improper lead management.

Supervisory Reviews frequency to assess effectiveness of customer interactions by the VRM.

• Check profiling done by the VRM to ascertain effectiveness.

• Basis interaction logs captured by the VRM & discussions with the VRM, provide directional inputs on customer interactions & business generation.

• Demonstrate “how”.

• 220 Sup Reviews per month

Operations

• Conduct internal checks on a regular basis & share a feedback with VRMs on time to time.

o Lead file maintained by VRMs

o Requests captured by VRMs

o CRM Interaction

• Ensure seamless handling of operations areas such as customer requests, transactions, reversals etc.

• Handling queries of VRMs on floor and provide resolution.

• Ensure timely responses to customers through call out/ e-mail as applicable.

• Handle 1st level escalations and ensure satisfactory resolution to the grievances.

• Ensure judicious utilization of financial and non- financial authority.

• Carry out periodic checks to ensure team adheres to Audit & Compliance guidelines.

Audit and Service Quality

• Ensure all laid down system and process are followed as stipulated by Audit and Senior Management

• Monthly / Periodic Verification of Auditable items.

• Review of CRM Interactions & Lead Quality

 MIS - Reporting and Analysis :

• Ensure timely and accurate updates of all portfolio

performance parameters.

• Maintain track of VRM performance w.r.t leads, conversions, income, achievement of portfolio parameters etc.

 Staff Management

• Ensure that all VRMs are adequately trained on the

Products of the bank and sales process

• Ensure that all VRMs are trained on the process to be followed (including amendment with new circulars)

• Be aware and make VRMs aware of various policies of the bank with regard to customer service and compliance

• Monitor productivity and give guidance on improving the same in conjunction with the Line Manager / Unit Head.

• Ensure that all VRMs are sent for class room training on a regular basis

• Ensure that nominated VRMs attend training sessions conducted by HR, without fail.

Occupational Health & Safety Management;

Handling posermnent official's visits and its timely compliance, ensure renewal of fire NOC, Petroleum NOC, on site emergency plan approval etc.

Develop a safe, pollution free work environment and robust EHS Culture at site

To enhance engagement of employees for building EHS culture

Improve the awareness and capabilities of people at suite on EHS

Implementation of EHS Global Standards, Like work permut system, LOTO Pemit, contractor safety management, chemical safety management. Personnel protective equipment, Incident reporting and investigation, Risk Assesment and process hazand analysis, change control management, Employee Engagement, Machine Safety procedure etc.

Evaluation of training need assessment and ensure the compliance as per calender

EIS round on monthly basis with engaging department SLT's, shift in charges and EHS profesionals

Creating awareness among employees and workers by celebrating EHS Programs - National Safety Week, Road Safety Weck, Fire Service week etc.

Encourage near miss reporting, employee's reward and recognitions.

Development of departmental EHS coordinators, encourage them to report unsafe observations, near miss reporting conducting department EHS meet, participation in EHS promotional activities.

Ensure electrical safety with coordination engineering department,

Conducting job safety analysis, Risk Assessment & Process hazard analyus. Ensure standard PPE's requirement, use of need base PPE's and its safe disposal

Encourage and ensure incident reporting & investigation, root cause analysis and compliance of corrective action and preventive action,

Ensure emergency preparedness and response compliance and ready to operate 24X7 fire Extinguishers, Fire Hydrant System, Fire alarm system, Public Announcement System, SCBA Safety shower, Spill control Kit, ambulance etc.

Ensure pressure vessel, Lifting tool tackles, hoist and lifts etc testing and compliance, form-9, form-33 etc.

Workplace health & hygiene monitoring

Ensure the compliance of EHS legal register and compliance register

Ensure the compliance of local EHS procedures, EHS Manual, EHS Policy, On site emergency plan.

Our client is India’s first non- preservative brand for natural aroma products. Their offerings include skincare, haircare, body care, bath salts, carrier oils, massage oils, essential oils, handmade soaps, aroma diffusers, foot care and others. All their spa and aromatherapy products are a combination of the best of ingredients that are locally sourced from the freshest and purest sustainable resources. This homegrown D2C startup also has an impressive B2B portfolio and has tied up with well known brands for corporate gifting solutions and signature scents.

It sells its products through its own website, prominent retail stores and pharmacies as well as all the leading ecommerce portals. It has also stepped into the international market and has a strong overseas presence.

Founded by alumni of Stanford University Graduate School of Business and ISB, Hyderabad, this ISO certified company is indeed revolutionizing beauty care by harmonizing body, mind and soul.

As a Sr Manager - Marketplaces, you will be responsible for managing the ecommerce business on key accounts like Amazon, Flipkart or International Business on Amazon in USA and UAE. (Allocation of accounts based on business/ opportunity/ experience)

What you will do:

• Conducting, operating and achieving the business on key account with sales plan to achieve budgeted numbers
• Connecting/ coordinating with Account/ Category Managers of the key account/ Marketplaces
• Ensuring strong healthy relationship with the account team to drive business
• Understanding price sensitivity and managing pricing, ensuring there is price parity as per the policy
• Creating and managing ads, evaluating which ads are working and optimising the same to achieve
• Managing inventory, optimizing content for listings, listing hygiene as per platform standards/guidelines
• Inventory planning and management aligned with sales and marketing plan, focussing on top- sellers, to improve inventory turn and optimised discounting
• Ensuring our top-sellers are in category/ sub-category sales ranks with good visibility and discoverability
• Managing and tracking payments from the partner websites, reconciliation and ensuring there is no variance in the same
• Managing brand reputation through reviews/ ratings/ feedback on the account
• Constantly tracking competitor brands and product, comparative category share to be tracked and working on increasing it
• Using all the tools/ services available on the account that can help in increasing our customer base

What you need to have:

• Graduation is a must.
• Minimum 2-3 years experience in beauty and personal care as in Category(FMCG), Merchandising, KAM role or Business Manager Role on the E-commerce platform
• Experience in a highly analytical, results-oriented environment. (OKR’s). (Plan your work ; work on your plan)
• Proven operational skills and demonstrated ability to manage the business “by the numbers”. Must be metrics-driven.
• Desire to work in a fast-paced, challenging environment with business on mind
• Excellent written and oral communication and presentation skills and the ability to express thoughts logically and succinctly
• Demonstrated active listening skills, highly consultative and solutions-oriented.
• Ability to comprehend questions and ask the right people
• Advanced IT literacy especially in Microsoft Office applications.
• Proficiency in MS excel
• Track record of managing and troubleshooting technical, compliance and business problems
• Strong process definition and optimization skills
• Proven ability to define effective, efficient and scalable processes and drive continuous improvement through root cause identification and defect elimination in consumer experience, business process, product visibility
• Attention to detail and capability to work on multiple projects in parallel
• Easy with numbers and calculations, Ad account management is integral part of growth managers
• Experience with e-commerce, retail, would be an advantage
• Engineering Student (Drop outs also welcome)
• Excellent Communication Skills (Written/ Verbal)
• Strong sense of urgency ability to manage details and multiple tasks while responding to changing priorities and feedback
• A hands-on self-starter, with a can-do positive attitude, willing to roll up their sleeves to do whatever it takes to get the job done, and a strong work ethic will also be essential
• Relationship management: Managing team and working with external and internal stakeholders
• Managing Expectations: Can define Business ASK’s clearly (Number Specific)
• Negotiation skill for getting better visibility on Amazon, Flipkart and like portals (free and paid both)
• Marketing to Operation mindset (Size the Opportunity and how will you Seize the same)

Headquartered in Bangalore, our client is the world's first cross-border neobank that focuses on credit and banking requirements of those migrating from India to the US. This revolutionary startup helps you apply for a bank account and a high-limit credit card with minimal documentation and absolutely no application fee while you are still in your home country.

The company is truly simplifying the financial world by making global financial products easily accessible to global citizens. Their mission is backed by tier 1 VCs and they have already raised in excess of 55 mn dollars within the last one year.

As a Senior Product Manager, you will be responsible for managing and taking ownership of product end to-end including defining scope, developing requirements and product launch.

• Analysing customer needs/markets, competitive offering and user requirements in depth
• Coordinating with various functions to ensure product roll-out within defined timelines, understanding product priorities and implementing a product governance framework
• Conceptualizing innovative features, designing wireframes/ prototypes and documenting PRDs to enhance app usability
• Working collaboratively with various teams including marketing, business, UX, customer support and engineering teams etc.

What you need to have:

• MBA/ B.E from Tier 1 Colleges (IIM/ ISB/ IIT/ BITS)
• 8+ years of B2C product experience at a product company
• Prior experience in tech roles is a plus
• Comfort diving into data and deriving tangible insights
• Proven track record of shipping several high impact features end-to-end
• Fintech experience is a plus
• Prior startup experience is a plus    

Experience & Background

• B-Tech/BCA/MCA
• 0-2 years of IT industry experience.
• Minimum 1 year of implementation/customization experience on ServiceNow
• ITIL/ServiceNow
  certifications will be an added advantage.
• Exposure on Service Now integration protocols with other application/systems
• Excellent attention to details, ability to multitask, and effective time management skills
• Knowledge of web based development languages; specifically JavaScript, Ajax
• Exposure of ITSM Framework and ITIL
• Good Communication Skills

The Fullstack Lead should excel in a collaborative, results-driven culture and be able to influence engineers, stakeholders, and leadership on mobile strategies & technologies.

Major Responsibilities:

• Incumbent will be architecting our mypay Portal products and choosing the best technologies, components and subsystems on different server side tech.
• Driving innovations in the product constantly to remain ahead of the curve.
• Serve as a thought leader and mentor on technical, architectural, design and related issues.
• Proactively identify architectural weaknesses and recommend appropriate solutions.
• Collaborate with cross functional teams to solve complex problems and build products spanning across multiple teams to deliver end-to-end products & features.
• Estimates efforts, identifies risks, devises and meets project schedules.
• Provide functional, design, and code reviews in related areas of expertise with-in team and cross-team.

Qualifications.

• 5+ Years relevant software development experience, with a Full Stack profile (experience in front-end, back-end, integration, cloud automation and orchestration)
• proficient in Functional & Object Oriented Programming, Design Patterns with expertise in various cloud-native technologies (MySQL, HTML5, CSS3, React.js, Graph QL, etc).
• Knowledge of Nodejs, Javascripts and other programming languages and frameworks is must.
• Experience using Cloud Native CI/CD tools (aws Pipelines/ aws codebuild).
• Experience in test driven development & writing of unit and integration tests is a must
• Demonstrated ability of design and development of applications/ products utilizing a variety of architecture principles, including a microservices serverless
• Experience working in agile teams with demonstrated application of the principles.
• Demonstrable proficiency in developing complex JavaScript applications.
• Must be a self-starter who can work well with minimal guidance and in a fluid environment.