Branch Manager Workflows

Workflow 1 - Add and Validate a New Customer

Prerequisites

• Branch Manager role
• Customer KYC documents are available

Steps

1. Open Customer Management.
2. Click Add Customer.
3. Enter full name, civil ID, mobile number, and required fields.
4. Upload civil ID front and back images.
5. Save and confirm customer is active.

Decision Points

• If civil ID already exists, stop and verify customer profile instead of creating duplicate.

Notes and Warnings

• Civil ID is mandatory and globally unique. Post-create civil ID change is Head-only.

Workflow 2 - Create Purchase Transaction with Multiple Gold Items

Prerequisites

• Customer is active and not blocked
• Daily gold price exists

Steps

1. Open Transaction screen and select Create Purchase.
2. Select customer and verify branch auto-assignment.
3. Confirm annual interest rate and transaction date.
4. Add each gold item with type, gross/net weight, purity, and image.
5. Review auto-calculated item value and requested principal.
6. Confirm requested principal does not exceed current total gold value.
7. Save transaction.

Decision Points

• If customer is blocked, do not proceed.
• If requested principal exceeds collateral value, reduce principal or update item details.

Notes and Warnings

• Rate is locked after transaction creation.
• Purchase amount should remain within valuation safeguards.

Workflow 3 - Process Branch Payment and Control Closure

Prerequisites

• Transaction status is ACTIVE
• Payment amount is confirmed

Steps

1. Open Payment screen and locate transaction.
2. Enter payment amount, mode, and optional reference.
3. Preview allocation (interest first, then principal).
4. If discount applies, add mandatory reason.
5. Submit payment.
6. Generate and store payment invoice.

Decision Points

• If payment is entered in non-owning branch and would close transaction, stop and route closure to owning branch.

Notes and Warnings

• Payment deletion is not allowed.
• Use adjustment entries for correction.

Workflow 4 - Release Gold Item Safely

Prerequisites

• Transaction is ACTIVE
• Item is unreleased
• Outstanding principal supports release value

Steps

1. Open Gold Release screen.
2. Select target transaction and item.
3. Confirm current gold price and calculate item value using: value = net weight x (purity / 100) x daily gold rate.
4. Confirm released gold value does not exceed outstanding principal.
5. Complete release and generate release invoice.
6. Verify principal update after release.

Decision Points

• If released value exceeds outstanding principal, stop release and collect payment first.

Notes and Warnings

• Release is item-wise and should be treated as irreversible operation in normal process.

Workflow 5 - Handle Risk Alert Response

Prerequisites

• Risk alert exists in branch

Steps

1. Open Risk Monitoring view.
2. Filter branch alerts and prioritize lowest coverage ratio.
3. Review transaction and customer payment behavior.
4. Decide response path: collection follow-up, status change, or management escalation.
5. Track resolution status through notifications.

Decision Points

• If coverage remains below threshold with no near-term payment plan, consider AUCTION status action per policy.

Workflow 6 - Process Top-Up (Closure and Re-issue)

Prerequisites

• Existing transaction is ACTIVE
• Customer requests a top-up
• Current deposited gold value is sufficient for resulting principal

Steps

1. Open the active transaction and select Top-up.
2. Let system calculate outstanding amount (principal plus accrued interest).
3. Confirm automatic closure of old transaction as CLOSED (Sale).
4. Enter top-up amount.
5. Review new principal: old principal plus top-up amount plus accrued interest.
6. Verify resulting principal does not exceed current deposited gold value.
7. Confirm and create the new Purchase transaction.

Decision Points

• If resulting principal exceeds deposited gold value, reject top-up.

Notes and Warnings

• Top-up is not an in-place edit. It is closure of old transaction plus a new transaction.
• This workflow preserves clean audit and financial traceability.