HC
Human Capital Outsourcing Limited
Operations & Management
Operations & Management
Branch Manager / Quality & Growth Leader
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Responsibilities
Provide overall leadership and day-to-day management of branch operations.
Act as the link between branch staff and executive management.
Drive sustainable growth of the branch loan portfolio through business development and market penetration initiatives.
Develop and implement branch growth strategies aligned with organizational objectives.
Oversee sales and marketing activities to attract and retain quality customers.
Set branch sales targets and monitor performance against established goals.
Ensure quality credit appraisal and approval processes are consistently followed.
Manage portfolio quality and minimize non-performing loans through effective monitoring and collections oversight.
Chair branch credit committee meetings and ensure sound lending decisions.
Maintain high standards of customer service and customer experience.
Ensure timely resolution of customer complaints and service issues.
Lead staff recruitment, onboarding, performance management, coaching, and development.
Foster a high-performance culture through mentorship, training, and continuous learning.
Manage branch leave planning, staff transitions, and portfolio handovers.
Ensure compliance with company policies, procedures, and regulatory requirements.
Safeguard branch assets and oversee branch security measures.
Coordinate branch audits and ensure timely implementation of corrective actions.
Prepare and submit operational, financial, and performance reports as required.
Promote a safe, clean, and productive working environment for staff and customers.
Perform any other duties assigned by management.
Skills & Requirements
Bachelor's Degree in Business Administration, Finance, Economics, Commerce, Banking, or a related field.
Professional qualifications in Credit Management, CPA, AKIB, or related certifications will be an added advantage.
Minimum 3 years' experience in a senior credit, branch management, or operations role within a Microfinance Institution (MFI), Microcredit Company, SACCO, or Financial Institution.
Proven track record in loan book growth, portfolio management, and branch leadership.
Strong understanding of credit risk management and collections.
Experience managing teams and driving branch performance.
Strong leadership and people management skills.
Business development and market expansion capability.
Credit analysis and portfolio management expertise.
Financial and commercial acumen.
Excellent communication and negotiation skills.
Strong decision-making and problem-solving ability.
Customer relationship management skills.
Performance management and coaching capability.
High level of integrity and accountability.
Strong analytical and report-writing skills.
Proficiency in Microsoft Office applications, especially Excel.
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