Job Description

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Manager-Liabilities Strategy

Corporate 1100-Corporate Office, Bangalore, Karnataka, India








Department
CORPORATE STRATEGY AND KEY INITIATIVES
Job posted on
Oct 10, 2025
Employee Type
Permanent
Experience range (Years)
0 - 0

I.

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

II.

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

III.

SIZE OF THE ROLE

FINANCIAL SIZE

NON-FINANCIAL SIZE

Liabilities: 36,000+ Cr.


Number of portfolio products: 20+

IV.

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

Bank-wide departments on Products, Processes & Governance

All Vertical / Functional stakeholders

IT Project Teams


Consultants

Vertical Heads of Technology Vendors and Fintech Partners

PREPARED BY:

TM Team

DATE:

01-09-2025

REVIEWED BY:

Deepak Agarwal

DATE:

03-09-2025

LAST UPDATED BY:

TM Team

DATE:

17-09-2025