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Managers · code 1346

Financial and insurance services branch managers

AI can approve the loan. Explaining why it said no is still a manager.

AI could take a fair chunk of six of the eleven tasks, led by assessing loan and insurance applications and advising customers. Managing staff and client relationships are mostly out of its reach.

What they actually do (and what else they get called)

Financial and insurance services branch managers plan, direct and coordinate the branches of institutions that provide financial and insurance services, such as banks, building societies, credit unions and insurance companies. They provide advice and assistance to clients on financial and insurance matters. Tasks include - (a) planning, directing and coordinating the activities of staff in the branch; (b) establishing and maintaining relationships with individual and business customers; (c) providing advice and assistance to customers on their financial and insurance needs and on matters such as changes in law that may affect customers; (d) examining, evaluating and processing loan and insurance applications; (e) monitoring credit extension decisions; (f) conducting financial investigations; (g) overseeing the flow of cash and financial instruments, and the preparation of financial and regulatory reports; (h) approving or rejecting, or coordinating the approval or rejection of, lines of credit for commercial, real estate and personal loans; (i) coordinating cooperation with other branches of the company; (j) managing budgets, controlling expenditure and ensuring the efficient use of resources; (k) overseeing the selection, training and performance of staff. Examples of the occupations classified here: - Bank manager - Building society manager - Credit union manager - Financial institution branch manager - Insurance agency manager Some related occupations classified elsewhere: - Finance manager - 1211 - Credit and loans officers - 3312 - Insurance agent - 3321

  • credit union manager
  • pension scheme manager
  • brokerage firm director
  • insurance claims manager
  • insurance agency manager
  • bank manager

Job titles from the EU's ESCO list. Search for any of them on the jobs page and you'll end up here.

53 / 100

Changing significantly

AI could do a real share of the everyday tasks. The job is changing shape, not vanishing.

Not the odds you keep your job. It's how much of the everyday work still needs a person, out of 100.

← Robot's turf Human's turf →

The ILO's official verdict: Exposed: Gradient 2

361 of 427 for holding up against AI

Why this score?

The ILO rated each of this job's 11 tasks for how much of it AI could do. They average 46.9 out of 100, so it holds up at 100 − 46.9 = 53.1.

That's the whole sum. No black box, no secret sauce: you can check it against the ILO's study. ILO group “Exposed: Gradient 2”: A good share of the tasks are affected.

This job rates 17 out of 100 for how hands-on it is. The score above only looks at AI tools, not robots, but for work this far from the physical that matters less.

from the source Working Paper 140, Generative AI and Jobs 2025 index data 0.8-observed-use

Man v Bot · compare

Who holds up better?

Financial and insurance services branch managers 53

v

Go on, try your partner's job. Or your sibling's. We won't tell.

Man v Bot

Where the bot helps, and where the human wins

Bot

What AI takes

The routine stuff. You may not miss it.

  • Processing loan and insurance applications.
  • Credit decisions.
  • Financial reporting.

Man

What people still do better

Judgement, trust and skilled hands. Hard to download.

  • Customer relationships.
  • Leading branch staff.
  • Hard cases and complaints.

Both

What's arriving

New work that only exists because the AI does.

  • Branch closures and digital banking.
  • Rules on AI lending decisions.
  • Fraud and scams.

Written by a human, from the ILO's task ratings below. Yes, we see the irony. Read it as one person's take.

Meet your two rivals

They're not the same machine. AI software can only reach the parts of a job done on a screen or in words. A chatbot can't climb a ladder. A robot might, one day, if it doesn't fall off.

The AI

Lives in a screen. Never had to fix a boiler.

Threat level: Medium

38 could do without you

It could take over some of the work, and help with more. It could help with 70 of 100.

The robot

The wildcard. Has hands, still working out stairs.

How much it matters here: Lower

17 how hands-on

Not much of this job needs hands, so the robot can sit this one out.

So could a robot do the physical part?

Less than half of this job is hands-on. Robots still matter, but for a smaller part of the work, so we don't sort it any further.

Robots hate fiddly work in awkward spaces. On that measure, this job scores 7 out of 100. The higher it is, the longer the robot waits.

17 How
hands-on
7 How fiddly
and cramped

Kind of hands-on work Less than half hands-on

The small print

They aren't a robot score, and nothing on this page is. Nobody measures how far robots have got well enough to put a number on it. These are the closest thing we have: how hands-on the job is, and how much fiddly, cramped work it takes, which is what Frey and Osborne found hardest for machines.

From O*NET, averaged across 4 US jobs .

finger skill 13.1 · hand skill 5.7 · cramped spaces 3.2 · averaged · rule: hands-on under 50

estimated O*NET 31.0 BLS occupational crosswalk chain ISCO-08 to 2010 SOC (Aug 2012, rev. Jun 2015); 2010 to 2018 SOC (Nov 2017); O*NET-SOC 2019 taxonomy data 0.8-observed-use measures chosen by Frey & Osborne (2017) · the grouping is a sorting, not a measurement

The job, task by task

Every job is really a bundle of tasks. Here's this one unpacked, with how much of each AI could do, out of 100. The score is the average, and averages can hide a lot.

AI's favourite task here scores 64, against an average of 47. The bigger the gap, the more lopsided the job: some of it wide open to AI, some of it barely touched.

  1. 64

    Examining, evaluating and processing loan and insurance applications

    Medium
  2. 61

    Providing advice and assistance to customers on their financial and insurance needs and with matters such as changes in law that may affect customers

    Medium
  3. 56

    Approving or rejecting, or coordinating the approval or rejection of, lines of credit commercial, real estate and personal loans

    Medium
  4. 55

    Monitoring credit extension decisions

    Medium
  5. 55

    Conducting financial investigations

    Medium
  6. 53

    Overseeing the flow of cash and financial instruments, and the preparation of financial and regulatory reports

    Medium
  7. 39

    Coordinating cooperation with other branches of the company

    Low
  8. 39

    Managing budgets, controlling expenditure and ensuring the efficient use of resources

    Low
  9. 37

    Planning, directing and coordinating the activities of staff in the branch

    Low
  10. 30

    Overseeing the selection, training and performance of staff.

    Low
  11. 29

    Establishing and maintaining relationships with individual and business customers

    Low

11 tasks · the High to Very Low labels are the ILO's

from the source Working Paper 140, Generative AI and Jobs 2025 index data 0.8-observed-use

Sidekick or replacement?

A tool that makes you faster is a very different thing from one that does the task while you watch. Jobs and Skills Australia measured the two separately, which is handy.

AI helps you
70
AI does it for you
38

Sidekick wins, by 32 points.

How good a match is this?

One Australian job matches this one closely, so this is about as reliable as it gets here.

estimated Our Gen AI Transition (Gen AI Capacity Study) September 2025 detailed data release data 0.8-observed-use matched to Australian jobs 1499

Meanwhile, in real life…

Everything else here is about what AI could do. This is what people actually did. When they asked Claude for help with this kind of work, did they hand the whole task over, or roll their sleeves up and work through it together?

Out of every 100 conversations

57
43

worked through it together handed it over

The small print

Anthropic publishes this about its own product, and it doesn't feed into any score here. These are people who use Claude, not workers in general, so little use here doesn't mean AI can't reach the job. This job makes up 0.55% of the conversations.

The data is sorted by US job, and this one matches 4 of them. We've combined them, counting each by how often it comes up in the conversations, so the busiest one counts most.

These two add up to 100. The bars elsewhere on the page don't, because each is scored on its own, so we don't put them side by side.

observed use Anthropic Economic Index release 2026-06-26, period beginning 2026-05-01 data 0.8-observed-use 2026-05-01 · Anthropic, about its own product

So, should bank and insurance branch managers be worried?

Short answer: not worried, but paying attention. The job is changing.

Yes, much of this job is exposed. Loan applications, advice, credit approvals, investigations and reporting are rated Medium; coordination, budgets, leading staff and customer relationships are Low. Automated lending and fewer branches are reshaping the role.

Worth remembering: we score tasks, not jobs. When AI takes on a task, the job usually reshuffles around it rather than vanishing.

Where this job could lead

None of the new jobs we've written up start from here yet. Could be you're the first. See the jobs AI is creating →

How are the neighbours doing?

There are 30 jobs in the “Managers” family, averaging 64. This one is below the family average.

Pit this against any other job →