 To manage the field operations being carried out in the area assigned to the Branch.
 To ensure that all targets assigned to the Branch are effectively achieved.
 Monitor the effective implementation of established policies and procedures in the field operations.
 Reporting progress and results to the Management regularly.
 Identification of new areas having potential for micro credit services in the assigned geographical vicinity.
 Assisting the Program Manager in implementation of policies and procedures established by the management to ensure smooth functioning.
 Monitoring field operations being carried out by credit officers and ensuring that all tasks are carried out according to these SOP’s.
 Receiving daily field reports and other reports from credit officers and checking for their accuracy.
 To carry out reappraisal of every Community Organization before approval for disbursement.
 To handle all co-ordination with Finance and Accounts department in head office and Branch.
 To ensure that credit officers are maintaining and regularly updating records they are required to maintain.
 To make periodic plans for achievement of targets assigned to the Branch.
 Reporting timely and accurate information to Program Manager at head office and presenting him accurate information in regular meetings.
 Maintaining close contact with community through regular visits in the field.

 Excellent customer services & accurate process/product knowledge.
 Perform excellent & error free branch day to day functions with efficient dealing with clients by following rules & regulations as described by JWS.
 Deal with clients matter related to client’s cheques/Withdrawal slips issuance Branch Administration & clearing etc.
 Accurately check daily reports for all departments.
 Perform Daily, Weekly, Monthly & surprise balancing/checking of all Accounts.
 Monitor frequency program( Zakat, Profit Payments, Month End ,Year End)
 Maintain Internal Policy/SOP file for audit trial.
 Custodian of sensitive customer record ( Daily Vouchers etc)
 Should have pro-active approach towards SOP/Internal Audit.
 Ensure compliance with Bank/SBP policies, procedures & regulations Responsible for system backups.
 Accurate & efficient reporting to management.

 Proactive management of loan disbursement to borrowers, book keeping, and imprest account handling.
 Preparation of HR reports i.e. Attendance reports for JWS staff & staff claims.
 Reporting of Allocated fixed assets record.
 Dealing with bank for effective collection of recovery from borrowers.
 Conduct administration tasks & financial activities regarding local payments through petty cash.
 Preparation & forwarding weekly bank statements & reconciliation of banks accounts.
 Preparation of funds projection & accrued expenses.
 Follow up to ensure timely transfer of funds.
 Examine information to ensure its completeness & accuracy.
 Perform any other assignment entrusted by the Management.

 To Review compliance with all provisions of SBP and Compliance with Banking Laws & all other applicable laws & regulations.
 To check all updated/changes in Customer Profile, Related to T-24 Requirements.
 Creation of Individual and all types of accounts in T-24.
 To Maintain and follow DMT, s techniques.
 To Conduct Branch, Region all account Compliance with audit Department.
 To Maintain Customer Profile As per CNIC.
 To Transfer all bank record from Unibank system to T-24 System.
 To data migration of lockers, cabinet and wallat in T-24 System.
 To preparation of demand draft, payment order.
 To Conduct Inquiries, Investigations & Due Diligence Assignments.
 To Provide Effective Monitoring & Couching to Staff under Supervision.
 To Conduct High Quality Training, Submit Reports on deadline & T-24 Reporting.
 Perform other related duties as may be assigned by the Head Office.
 Branch account Detail review, Corrections of mistakes.
 To maintain KYC for individual customer behavior & cure account deterioration to prevent fraud & assist enhancing fraud prevention, investigation & monitoring techniques

 To assist ZPM in developing plans for managing the operations of Microfinance.
 Update ZPM that policies and procedures established by management for implementations of its strategies are effectively implemented
 Carrying out field monitoring and reporting field information to management.
 Assisting the ZPM for implementing strategies and plans developed by management for microfinance policies and procedures.
 Conducting periodic field visits to check necessary documentation
 Carrying out field visits on selective basis.
 Monitoring recovery and disbursement targets in field units.
 Receiving stationary requests from area offices and maintained stock register.
 Assisting ZPM to maintain operational record.
 Conducting informal baseline of new expansion under microfinance program
 Receiving reports form field level and reporting consolidated information to management.
 Keeping management informed about difficulties being faced in the field
 Executing effectively all duties assigned to him and further delegated by management.
 Wholly responsible for performance of the area.
 Plan for targets & their effective achievement in the area.
 Responsible for Operations, Finance, HR & Administration of the area.
 Conduct monthly units meetings for review & planning’s of units.
 Conduct monthly meeting with Staff for reviewing their performance.
 Play a key role in monthly review & planning meeting at head office for strategic planning.
 Check & review cases of field units for onward approval.
 Re appraise cases of field units for final approval.
 Check disbursement meetings for verifying proper implementation of loan procedures.
 Check recovery meetings for ensuring recoveries in time of the area.
 Monitoring recovery and disbursement targets in field units.
 Receiving stationary requests from units and maintain the availability of stock.
 Conduct surprise visits of field units for effective monitoring.
 Visit field uni