Job summary
This pivotal role is responsible for ensuring the efficient functioning of the branch, including managing daily operations, loan processes, customer service, and profitability.
Job descriptions & requirements
Job Summary
This pivotal role is responsible for ensuring the efficient functioning of the branch, including managing daily operations, loan processes, customer service, and profitability.
- Target Achievement: Consistently meet or exceed monthly loan disbursement and collection targets, along with other performance metrics aligned with branch goals.
- Loan Verification: Conduct comprehensive loan verification procedures, including identity checks, reference calls, credit history assessments, and other necessary validations before loan approval.
- Due Diligence: Perform thorough assessments to ensure responsible lending and accurate loan approvals, reducing risk while ensuring compliance with regulatory standards.
- Leadership & Team Management: Provide clear leadership and guidance to branch staff, ensuring effective delegation, resolving operational challenges, fostering teamwork, and achieving performance goals.
- Fraud Prevention & Risk Management: Proactively identify potential fraud risks, address security concerns, and implement risk mitigation strategies to safeguard the branch’s integrity and financial stability.
- Policy Compliance: Ensure strict adherence to company policies, industry regulations, and internal procedures to maintain operational excellence and regulatory compliance.
- Customer Service Excellence: Ensure exceptional service quality, promptly address customer complaints, and implement initiatives to build long-term relationships and customer trust.
- Relationship Building: Foster strong relationships with clients, partners, local community leaders, and stakeholders to support business growth, enhance client retention, and contribute to the local economy.
- Reporting & Market Insights: Provide timely and accurate reports on branch performance, market trends, customer feedback, loan default rates, and other critical business insights to aid strategic decision-making.
- Office Management & Operations: Oversee daily branch operations, manage office supplies and documentation, maintain efficient office management, and create a productive and conducive work environment.
- Customer Protection: Implement responsible lending practices, assess loan affordability, maintain high standards of ethical conduct, and ensure customer protection throughout the loan lifecycle.
- Financial Management: Manage branch budgets, ensure resource allocation is optimal, track expenses, and monitor the branch’s financial health to achieve profitability.
- Training & Staff Development: Offer ongoing training and development opportunities for branch staff, ensuring the team is equipped with the skills and knowledge needed to maintain operational and service excellence standards.
- Branch Performance Review: Regularly evaluate branch performance against KPIs, identify areas for improvement, and take corrective actions as necessary to enhance overall performance.
- At least 1 year of experience as a Branch Manager.
- Proven leadership and team management experience.
- A Bachelor's degree in business, finance, or a related field.
- Strong computer proficiency with excellent written and verbal communication skills.
- Willingness to relocate if necessary.
- Strong integrity and ability to work collaboratively within a team.
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