Job Title
Branch Operations Manager
Business Unit
Operations
Reporting To
Cluster Head / Circle Head / State Head
Job Function and Role Type
WBO, Supervisory
Version No
Job Purpose
Supervise and manage WBO branch operations to ensure smooth, error-free functioning and compliance with policies.
Key Responsibilities
Clearing Operations:
Manage inward/outward clearing within cut-off timings; ensure no counter returns or exceptions. Conduct technical verification of cheques and monitor CTS vendor outsourcing.
Nostro Account and Suspense Accounts Monitoring:
Reconcile Nostro accounts daily; monitor suspense accounts fortnightly and ensure safe custody of cheques.
CMS Operations:
Oversee verification, authorization, and dispatch activities; address operational gaps.
Remittances:
Issue instruments like demand drafts; maintain stationery stock and proper records.
Transfer Cheques, RTGS/NEFT:
Process transfer cheques on priority; ensure customer requests are processed within TAT.
Depository Operations:
Verify and authorize delivery instructions; follow DRF, pledge, and hypothecation processes.
Retail Liability Operations:
Manage account opening forms; ensure KYC/AML compliance and monitor MIS reports.
Retail Asset Job Description:
Implement processes, policies, and audit guidelines; resolve queries and complaints promptly.
Trade Finance Operations:
Support digital initiatives; adhere to RBI guidelines and process transactions within TAT.
Housekeeping/General Upkeep/Facility Management:
Maintain premises, registers, and security documents; generate and act on reports.
System Security:
Prevent password sharing and ensure proper handover processes.
Voucher Management:
Manage vouchers and records; archive approval mails and ensure periodic binding.
Vendor Management:
Appoint and scrutinize vendors; ensure uninterrupted services and review agreements.
Management of Clearing Funds and Internal Control:
Establish mechanisms to prevent frauds/errors; raise discrepancies and update documents.
Education:
Graduate in any discipline.
Certifications:
Banking Product & Process Knowledge, Planning and Organizing Skills, Communication.
Key Competencies
Attention to detail, customer service orientation, compliance adherence, problem-solving, teamwork.
Major Stakeholders
Customers, business segments, operations, audit teams.
About HDFC Bank
HDFC Bank is one of India’s leading private banks. The Housing Development Finance Corporation Limited or HDFC Ltd was among the first financial institutions in India to receive an “in principle” approval from the Reserve Bank of India (RBI) to set up a bank in the private sector. This was done as part of RBI’s policy for liberalization of the Indian banking industry in 1994. HDFC Bank was incorporated in August 1994 in the name of HDFC Bank Limited, with its registered office in Mumbai, India. The bank commenced operations as a Scheduled Commercial Bank in January 1995. As of March 31, 2026, the Bank’s distribution network was at 9,689 branches and 21,172 ATMs across 4,175 cities / towns as against 9,455 branches and 21,139 ATMs across 4,150 cities / towns as of March 31, 2025. 50% of the branches are in semi-urban and rural areas. In addition, the Bank has 14,400 business correspondents, which are primarily manned by Common Service Centres (CSC). The Bank’s international operations comprise five branch
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