Main Responsibility: Oversee branch operations and manage personal bankers’ operational duties, acting as the primary on-site leader in the absence of the Area Branch Manager, who focuses on business development. Report directly to the Area Branch Manager with a dotted line to Head Retail Operations. Key Responsibilities: • Ensure branch operational excellence alongside the Area Branch Manager. • Manage operational performance of Personal Bankers/Cashiers. • Hold joint custody of cash, valuables, security forms, and locker keys; sole custody of loan documents. • Maintain branch keys and alarm codes as the second point of contact for emergencies. • Supervise and authorize cash transactions, ensuring AML/KYC compliance. • Enter and manage inventory of security forms. • Authorize debits to constituent and office accounts (within agreed limits). • Monitor and balance bills, postage, and stationery; reorder as needed. • Verify and sign Demand Drafts and inward clearing transactions. • Reconcile accounts and oversee account opening/closing. • Manage loan accounts, including appraisal, supervision, and documentation. • Calculate drawing power and assist in loan application preparation/renewal. • Ensure KYC compliance and maintain loan-related registers. • Oversee daily branch operations, staff punctuality, customer service, and complaint resolution. • Maintain cleanliness, decorum, and data security; adhere to record retention policies. • Support branch audits, reviews, and general administration. • Perform clerical tasks (fax, email, word processing, database management) as needed. • Cover for Clerk-Cashier or Branch Manager when required.