Branch Manager

Responsibilities:

Planning/Administration

• Provide leadership to the staff and ensure efficiency and effectiveness of business at all times
• Promote the Mission, Vision, and Core Values of the organization
• Set a monthly Portfolio Target for your team members with KIPs
• Develop a monthly reporting template for your team members with the help of HR
• Liaise with the Head Office on the development of short, medium, and long-term plans for the branch
• Evaluate and report regularly on the short, medium and long-term progress of the plans
• Submit timely and accurate Weekly, Monthly, Quarterly, and Annual Branch Performance Reports
• Develop, document, and implement office and work-related policies for the efficient administration
• Ensure confidentiality and integrity of client and staff files
• Ensure the safety of the employees at the workplace and the security of company assets
• Promotes sales and service culture of staff through coaching, guidance, and staff motivation

Operations and Marketing:

• Be innovative to develop effective marketing plans to achieve sales and loan portfolio targets
• Market the company products to all
• Draw a strategic plan on how to manage disbursement and recovery
• Ensure efficient post-disbursement surveillance and report
• Ensure a superior level of internal and external customer relations and satisfaction
• Set and maintain the high-quality standard of operational activities
• Facilitate teams in meeting targets in areas of sales, customer retention, loan disbursements, portfolio monitoring, and loan recovery, among others
• Ensure new qualified clients are duly registered and processed for loan facility on time without compromising on the policies and procedures governing our loan delivery system.
• Ensure joint custody of the cash vault with no procedural slippages.
• Ensure review and reconciliation of clients’ account balance with office records daily
• Maintain general oversight and ensure the accuracy of reports to and from clients
• Provide and maintain effective systems for risk warning and risk management at the branch level
• Chair Weekly Credit Committee Meeting at the branch report on same
• Appraise and verify qualified clients for facility before recommending them
• Weekly presentation of all verified clients at credit committee meetings
• Presentation of Branch Credit Report (Portfolio) at Manager’s Credit Meeting.
• Timely recovery of all loans in default and arrears is very key
• Report on your plans and achievements daily, weekly, monthly and quarterly.

Financial Management

• Provide regular reports on budget variance statements of the branch
• Provide a vision regarding the overall financial health of the branch
• Efficiently administer the petty cash and ensure timely report on it for re-imbursement
• Report timely on Incidence/Occurrences to Head Office on financial and corporate image issues

Human Resource Management

• Undertake both formal and informal periodic (quarterly) staff appraisals with appropriate recommendations to the HR, Head Office
• Identify training and development needs of staff to meet growing competition in the industry
• Investigate and manage all internal grievances to reasonable conclusions
• In consultation with the Head Office, prefer disciplinary actions against any erring subordinate

Others

• Perform any other duties as may be assigned by the Head Office from time to time

Requirements:

• Must have some experience in Micro Credit Management
• Must have leadership abilities
• Must possess good interpersonal relationship
• Must possess a valid driving license
• Qualification Required: A minimum of First Degree
• Years of Experience: 3-5years