DUTIES AND RESPONSIBILITIES

Branch Operations & Management

Oversee daily operations of the branch, ensuring compliance with internal policies and regulatory requirements.

Supervise branch staff and ensure efficient workflow across all departments (loans, customer service, cashiering, etc.).

Maintain a secure and professional banking environment.

Monitor and ensure operational efficiency and excellent service delivery.

Credit & Lending Management

Supervise loan processing, appraisal, disbursement, and recovery processes.

Maintain a healthy loan portfolio by ensuring timely repayments and low delinquency rates.

Ensure adherence to credit policies, procedures, and risk mitigation frameworks.

Evaluate and approve/recommend loans within set authority limits.

Business Development & Client Relationship Management

Drive business growth through client acquisition, product promotion, and customer retention strategies.

Build and maintain strong relationships with clients, local leaders, and community stakeholders.

Identify new business opportunities and partnerships to increase the branch’s outreach and portfolio.

Team Leadership & Development

Lead, coach, and mentor a team of loan officers and branch support staff.

Conduct regular performance evaluations, training sessions, and staff capacity-building initiatives.

Foster a high-performance culture and ensure alignment with organizational goals.

Reporting & Compliance

Prepare and submit accurate and timely branch performance reports.

Ensure compliance with all financial, operational, and audit standards.

Address and resolve internal and external audit findings.

KEY REQUIREMENT SKILLS AND QUALIFICATION

Degree in Finance, Business Administration, Economics, or a related field

Minimum of 3 years’ experience in microfinance, retail banking, or financial services, with at least 1–2 years in a managerial or supervisory role

In-depth understanding of microfinance principles, group lending methodology, and rural financial markets

Strong credit analysis, risk management, and customer service skills

Proficiency in Microsoft Office (Excel, Word, PowerPoint) and experience working with Core Banking Systems (CBS).