Onsite hand holding / coaching / training of the RO.
ØEnsure two field visits of problematic branches (having higher WO amounts), one visit of branches having no portfolio quality issue. ACR will plan & submit his monthly visit planner accordingly.
ØACR will conduct zoom meeting daily in the evening / next morning to review the previous day progress & current day plan & projection.
ØPhysical / telephonic cross check of the field activities of RO.
ØMonitor and ensure the visits as per PTP.
ØDaily progress report / MIS will be shared with Head of SAM.
ØMaintain the clients visit history / tracking.
ØMonitor how much clients are visited physically & contacted on phone by RO.
ØEnsure the serving of three mandatory reminder notices to gold backed clients & initiate the auction process as per SOP.
ØRecommend the legal action against selected clients after his physical visit.

Complete the tagging till 5th of every month to start the RO working.
ØIn current quarter efforts are required on clients that are comparatively soft / having high chances of recovery to add maximum revenue till year end.
ØPerformance of each staff will be reviewed at quarter end for further necessary action.
ØTeam development.

Onsite hand holding / coaching / training of the RO.
ØEnsure two field visits of problematic branches (having higher NPL / WO), one visit of branches having no portfolio quality issue. ACCR will plan & submit his monthly visit planner accordingly.
ØACCR will conduct zoom meeting daily in the evening / next morning to review the previous day progress & current day plan & projection.
ØPhysical / telephonic cross check of the field activities of RO.
ØMonitor and ensure the visits as per PTP.
ØDaily progress report / MIS will be shared with Head of Collection & Recovery.
ØMaintain the clients visit history / tracking.
ØMonitor how much clients are visited physically & contacted on phone by RO.
ØEnsure the serving of three mandatory reminder notices to gold backed clients & initiate the auction process as per SOP.
ØRecommend the legal action against selected clients after his physical visit.


Complete the tagging till 5th of every month to start the RO working.
ØIn current quarter efforts are required on clients that are comparatively soft / having high chances of recovery to add maximum revenue till year end.
ØPerformance of each staff will be reviewed at quarter end for further necessary action.
ØTeam development.

1. Business Planning: Prepare annual business plan, set realistic and achievable targets with deadlines for branch staff, regularly track and review performance.

2. Business Development: Identify potential customers for asset and liability products and develop business to achieve sales targets and cross sell, while ensuring the laid down sales process

3. Portfolio Management: Portfolio verification and proactive collection perusal ensuring key portfolio quality indicators are within the assigned benchmarks.

4. Profitability: Maximize revenue generation, contain cost of running the branch and ensure branch profitability through sustainable business growth.

5. Service Quality: Manage customer relationships and meet internal service standards and ensure no service related complaints are received from customers. Ensure branch merchandising and coordination with marketing.

6. Compliance: Enforce implementation of processes in sales, service, and delivery to customer in accordance with KBL policies and SBP regulations. Ensure effective and standardized internal control and reporting as per defined procedures. Adhere compliance on Know Your Customer (KYC) & Anti Money Laundering (AML) during the entire relationship of the customer with KBL and review branch operations report.

7. Staff Management/Development: Supervise branch asset & liability teams. Develop teams' performance on KBL products/ processes and ensure refreshing their knowledge through time to time interventions. Also ascertain the training and development needs of asset & liability teams, beyond branch capability and recommend them for appropriate training in order to close skill gap.

Key Responsibilities:

1. Branch Operations Management:
Management & Supervision of overall branch banking operations, ensuring efficiency, effective controls and maintenance of service quality standards. Oversee the account opening, maintenance process and maintain controls in line with bank’s internal procedures and KYC/AML requirements.
Review & authorize branch banking transactions including cash payment, receipt, clearing, remittances, chequebook issuance, term deposits, account to account transfer, banca-assurance etc.
Responsible for management, supervision & reporting of branch operational expenses, related payment execution in liaison with vendors and F&A.
Review & authorize effective & timely disbursement of approved loans.
Supervise home remittances (Western Union) & NADRA Verisys from provided links and ensure required SOPs are followed.
Monitor and coordinate with CMD for effective cash management.
Submit all payable/deducted taxes & other levies for deposit with SBP/NBP as per policy.
Operate within assigned budget and promote savings supporting business endeavours.

2. Compliance
Implementation of Internal Policies and procedures are always current; record keeping of policy update is adequate. All policies/procedures, SBP’s guidelines including Prudential Regulations, are timely disseminated to concerned staff and compliance is monitored effectively.
Timely and accurate preparation/submission of all scheduled reports to Corporate Office, SBP and other stakeholders as directed in Procedural Manuals.
Will be directly responsible for non-Compliance, Audit Observations and other self-assessment functions and will also be responsible of rectification of all discrepancies.
Will ensure preparedness of the branch for review and audit by internal/external/ SBP Auditors; Operational Audit & AOF/ILA rejection ratings will be considered a direct reflection of Branch Operational environment.

3. Customer Satisfaction
Ensure provision of qual

Key Responsibilities:


1. Daily Reporting
Daily report SDCR and bank receipts voucher to Finance Deptt. In HO. Daily receiving recoveries from customers and depositing into CMD accounts. Maintaining record of CRR books and daily stationary record updation. Daily leave record updation.

2. Fortnightly Reporting
Fortnightly summary of recoveries reporting to RASO (Regional Admin Support Officer).

3. Monthly Reporting
a) Monthly Leave Record Reporting of Staff.
b) Monthly Reconcialation (Petty Cash, Imprest Account, Cash in Hand)
c) Fixed Asset Record
d) Monthly Recovery Reporting
e) Expense Claims of Staff
f) Stationary Record
g) Funds Projection
h) Accruals Report