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1. Customer Service
Assisting Customers: Address customer queries and complaints related to banking services like loans, accounts, deposits, and digital banking.
Promoting Products: Educate customers about the bank’s products and services to increase sales and customer satisfaction.
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2. Branch Administration
Ensuring Smooth Operations: Oversee the functioning of various departments within the branch.
Supervising Clerical Staff: Guide and support junior staff in their daily tasks.
Compliance: Ensure the branch adheres to all regulatory and internal policies.
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3. Account Management
Opening and Maintaining Accounts: Assist customers with account opening, updating details, and resolving discrepancies.
KYC (Know Your Customer): Ensure compliance with KYC norms for all accounts.
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4. Loan Processing
Loan Applications: Analyze and process loan applications by verifying documents and conducting creditworthiness checks.
Recovery of Loans: Monitor loan repayment schedules and initiate recovery measures in case of defaults.
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5. Business Development
Target Achievement: Meet sales targets for loans, insurance, and other banking products.
Marketing: Participate in campaigns to attract new customers and retain existing ones.
Cross-Selling: Promote additional banking services like credit cards, mutual funds, or fixed deposits to existing customers.
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6. Financial Operations
Cash Management: Oversee cash transactions to ensure proper handling and reconciliation.
Clearing Checks: Monitor the clearing and verification process for checks and drafts.
Fund Transfers: Manage NEFT, RTGS, and IMPS transactions.
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7. Risk Management
Fraud Prevention: Stay vigilant against fraudulent transactions and ensure the security of accounts.
Auditing Support: Assist internal and external auditors during audits.
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8. Training and Learning
On-the-Job Training: As a probationary officer, you’ll undergo training to understand banking policies, regulations, and operations.
Skill Development: Continuously update yourself with new banking technologies and practices.
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9. Reporting and Documentation
Daily Reports: Prepare daily transaction reports and maintain accurate records.
MIS (Management Information System): Generate reports for branch performance and submit them to higher authorities.
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10. Leadership Development
Future Manager Role: As a PO, you are groomed for managerial responsibilities, requiring you to lead teams and handle branch operations in the future.
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