Branch Leader-Advertisement

Role Overview

As Branch Leader, you will guide the branch’s commercial and operational work, balancing customer service, team performance, revenue growth and responsible credit management. You will also represent Tugende in the local business community and help ensure that customers receive consistent support throughout their financing journey.

Key Responsibilities

• Oversee daily branch activity across sales, customer service, administration and field operations, keeping resources and inventory properly managed and records accurate.
• Set local sales priorities, coordinate marketing and lead-generation activity, monitor conversion, and raise obstacles or support needs that could affect revenue.
• Manage the credit process from customer assessment and approval through disbursement, repayment monitoring and recovery; take action to protect portfolio quality and limit non-performing loans.
• Use market observations and customer feedback to identify changes in risk, demand and opportunities for branch growth.
• Handle escalated customer concerns, strengthen community relationships and coach field staff to respond to questions promptly and professionally.
• Stay involved in key points of the customer journey, including onboarding, vetting, payment follow-up, client visits, lease completion or termination, and the final handover of logbooks.
• Manage the branch budget and profit-and-loss performance, track spending against approved plans, and prepare forecasts to support operational and sales planning.
• Set team expectations, provide coaching and development support, address performance issues, and allocate staff and other resources effectively.
• Apply company procedures and relevant standards for KYC, AML and data protection; maintain internal controls, accurate client agreements and timely asset documentation and disbursement.
• Promote the use of branch technology and prepare daily and monthly reports covering performance, trends and asset status.

Requirements & Qualifications

• Bachelor’s degree in Business, Finance, Microfinance, Economics or a related discipline.
• At least five years of experience in financial services, including two to three years in a supervisory or branch leadership position.
• Practical experience in credit management, asset financing, portfolio growth and sales.
• Class A2 motorbike riding competence; this is a required qualification.
• Strong judgement, integrity and understanding of compliance and credit risk.
• Clear communication, relationship-building and report-writing skills, with the ability to analyse issues and identify workable solutions.
• Capacity to meet targets, manage competing demands and work effectively under pressure.
• Proficiency with Google Workspace tools and CRM systems.
• Willingness to work both in the office and in the field, with regular interaction with clients.

What We Offer / Why Join

This role combines branch leadership with direct involvement in the customer and community relationships that support sustainable business growth. The successful candidate is expected to reflect Tugende’s values of integrity, empathy, practical problem-solving, teamwork and continuous growth.