HC
Human Capital Outsourcing Limited
Operations & Management
Operations & Management
Area Managers
Share this job:
Responsibilities
Area Business Performance: Drive the achievement of business targets across assigned branches, including disbursements, revenue, customer acquisition and portfolio growth.
Branch Supervision: Provide direct operational oversight to Branch Managers, ensuring effective execution of business plans and adherence to company standards.
Collections Management: Monitor daily and monthly collections performance, drive arrears recovery initiatives and ensure timely repayment of outstanding customer balances.
Portfolio Quality: Monitor PAR, overdue accounts, loan ageing and repayment trends, implementing corrective measures to minimise credit losses.
Customer Acquisition: Drive new customer acquisition, repeat borrowing, customer retention and increased utilisation of revolving credit facilities.
Target Monitoring: Track branch performance against agreed KPIs, identify performance gaps and ensure timely implementation of recovery action plans.
Credit Administration: Ensure proper loan appraisal, customer verification, credit assessment, approvals and adherence to established lending procedures.
Field Operations: Conduct regular branch visits, accompany teams on field activities and evaluate customer acquisition, credit monitoring and collections effectiveness.
Team Leadership: Supervise, motivate, coach and develop Branch Managers and their teams to enhance productivity, ownership and accountability.
Operational Compliance: Ensure adherence to company policies, internal controls, cash management procedures, credit policies and regulatory requirements.
Customer Experience: Address escalated customer complaints, service delivery challenges and operational concerns to enhance customer satisfaction and retention.
Performance Reporting: Prepare and submit accurate area performance reports, highlighting achievements, challenges, portfolio trends and recommended interventions.
Skills & Requirements
Bachelor's degree or Diploma in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.
Professional training or certification in Credit Management, Microfinance, Banking or Business Management will be an added advantage.
At least 3–5 years of relevant experience in microfinance, microcredit, banking, lending or financial services.
At least 2 years of experience in a supervisory or management role overseeing branch operations, teams or multiple business units.
Demonstrated experience in loan portfolio management, credit administration and collections.
Practical understanding of revolving credit products and customer lending cycles will be an added advantage.
Branch and territory management.
Business development and sales leadership.
Credit and collections management.
Portfolio monitoring and risk control.
Performance monitoring and reporting.
Team supervision and coaching.
Problem-solving and decision-making.
Customer relationship management.
Negotiation and communication skills.
High integrity and results orientation.
Click to view full poster