What are the roles of a Po job?

As a Probationary Officer (PO) in a bank, you are expected to undertake a variety of roles and responsibilities. Here’s an overview of the key roles you’ll be performing:

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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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