Overall Responsibilities
Complete management of the branch office. Ensuring portfolio growth, maintaining excellent portfolio quality, customer relationship management, leading the branch staff, helping the staff members in accomplishing targets, maintaining a pleasant environment at the branch and branch profitability.
Specific Duties & Responsibilities
- Human Resource Management
- Supervise, support and motivate branch staff. Ensure that supervisors are effectively supervising and supporting their staff. Ensure a high standard of discipline. Promote and ensure teamwork.
- Propose monthly targets for the branch and set targets for individual staff according to overall Sulaxmi standards and targets.
- Continuously analyze staff performance and respond swiftly to performance deficiencies. In conjunction with the HR department, implement performance management system at the branch level. Lead and participate in performance appraisals and ensure staff development. Coach and mentor branch staff as needed.
- Communicate additional staff requirements to the HR department and ensure that new staff is properly induced.
- Customer Service, Public Relations & Marketing
- Ensure that staff is providing excellent customer service and ensure brand recognition.
- Ensure that sales activities are performed according to established policies and procedures.
- Represent Sulaxmi and the branch vis-à-vis customers and the local community.
- Establish links and build rapport to local business associations and local leaders.
- Loan Approvals
- Ensure quality of loan evaluation and application of the loan policies and procedures.
- Chair credit committees.
- Approve loans up to approval limit.
- Conduct evaluation visits where necessary.
- Recovery
- Analyze the portfolio on a daily basis and ensure high portfolio quality.
- Ensure that recovery policies and procedures are followed.
- Participate in recovery activities where necessary.
- Financial Management, Reporting and Business Development
- Ensure branch liquidity and accuracy of end of day closings.
- Improve branch efficiencies and attempt to reduce of the branch costs.
- Supervise preparation and accuracy of weekly and monthly branch financial statements and reports to HO.
- Ensure that the loan portfolio growth matches branch projections and take, in case growth is below target, corrective measures.
- Ensure proper data management and administer the MIS.
Qualifications and Skills
- Bachelor's degree in Finance, Business, or other relevant discipline.
- Minimum of 2 years experience with banking, microfinance institution, or at other marketing company.
- Proficient with Internet and Microsoft Office programs such as Word, Excel & Access.
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