Branch Manager

Job Scope – Branch Manager
Job Title: Branch Manager
Reports to: Area Manager
Direct Reports: All branch-based staff

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Purpose

The Branch Manager oversees all branch operations, ensuring portfolio security, effective program and policy implementation, excellent customer service, client and staff management, and accurate financial reporting. This role carries full financial and management authority at the branch level.

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Key Areas of Responsibility

• Branch Operations Management – Supervise day-to-day operations to ensure efficiency, accuracy, and compliance.
• Portfolio Security – Monitor and safeguard loan and savings portfolios, ensuring timely collection and minimal delinquency.
• Program & Policy Implementation – Execute company policies and microfinance programs as approved by the central office.
• Customer Service – Maintain strong client relationships and ensure a high standard of service delivery.
• Client & Staff Management – Lead, train, and motivate branch personnel; ensure effective client engagement.
• Financial Planning & Reporting – Prepare budgets, forecasts, and performance plans; submit accurate reports within deadlines.
• Market Positioning – Identify growth opportunities and strengthen the branch’s presence in the community.
• Information Management – Maintain accurate and timely records, ensuring integrity of data in systems and reports.

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Core Duties

• Maintain and review branch financial records including BM Register, cashbooks, collection sheets, and deposit slips.
• Approve group formation, loan applications, and credit disbursement after personal client verification.
• Visit each client’s home at least once per loan cycle for evaluation and discussion of proposed businesses.
• Implement approved yearly savings, credit, disbursement, and repayment plans.
• Conduct regular field visits to monitor trust staff performance and correct irregularities.
• Manage branch expenses, pay operational bills, and procure necessary supplies.
• Submit required weekly, monthly, and annual reports to the Operations Manager.
• Provide leadership, guidance, and motivation to branch staff.

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Qualifications

Education:

• Bachelor’s degree in Commerce, Business Management, Accountancy, Entrepreneurship, or related field.

Experience & Skills:

• Minimum 1 year in personnel management, program planning, monitoring, and evaluation.
• Knowledge of lending processes and business analysis.
• Strong oral and written communication skills.
• Proficiency in computer applications.

Personal Attributes:

• flexible, team-oriented, and committed to development work.
• God-fearing, responsible, patient, hardworking, disciplined, and fair.
• Analytical, risk-taker, and open to field work.