Banking Unit Manager :

Position Summary:

The Banking Unit Manager (BUM) is responsible for the overall administration and efficient

functioning of the Banking Unit. The role encompasses cash management, product performance

monitoring, collection oversight, loan approval, team leadership, and customer service management.

Key Responsibilities:

• Manage the overall administration and smooth operation of the Banking Unit.

• Withdraw cash from the vault to commence daily cash operations.

• Conduct visits to a minimum of two groups daily and ensure all groups attached to the BU are

visited within a maximum period of four months.

• Monitor and supervise all products offered by the BU, including GL, SBAL, MHL, MBL, SS,

and TWL (where applicable).

• Analyze the performance of all loan and deposit products offered by the BU.

• Ensure 100% collection of all products offered by the BU.

• Ensure Relationship Officers (ROs), Relationship Executives (RE), ROR, and RO-SS achieve

100% daily collection targets; follow up immediately on any overdue accounts.

• Prepare and submit various reports related to loan products as required by supervisors.

• Conduct house visits for NPA (Non-Performing Assets), restructured, and high-stress customers.

• Achieve monthly target goals for all BU products.

• Train and mentor subordinates to enhance their performance and support career development.

• Randomly check 20% of loan application forms reviewed by Assistant Banking Unit Manager

(ABUM) and verify documentation through customer house visits.

• Verify and obtain household income assessment reports before loan approval.

• Approve loans as a checker in the system after thorough verification of all loan details.

• Conduct post-disbursement end-use verification of loans.

• Proactively address and resolve customer grievances following the bank’s guidelines.

• Perform Credit Bureau Report (CRB) checks using the Core Banking System (CBS).

• Comply with audit findings and supervisory monitoring within stipulated deadlines.

• Monitor and prevent fraudulent activities within the BU.

• Maintain the Credit Risk Ledger (CRL) of the BU.

• Take immediate action in response to any significant changes or risks in the BU’s product portfolio.

Supervise all official work and activities at the BU to ensure compliance and operational

efficiency.