The Branch Manager is directly responsible for ensuring efficient and effective delivery of all FINCA services in his/her branch.

Major Areas of responsibility:

1. Manage the branch staff.
   • Monitor and evaluate the work of the Tellers, Customer Support Officer, Sales Officer(s), Recover Officer(s), Collections Officer(s) and Customer Relationship Supervisor(s) (VB).
   • Review staff performance and recommend to the Chief Commercial Officer / Chief Operations Officer on measures to improve performance.
   • Review and approve all Branch Human Resources evaluations to ensure compliance with Human Resources policies.
   • Plan and ensure that the branch office has a sufficient number of staff and plan the staff leave to meet regional operations and efficiency.
   • Boost branch staff morale through counselling and create a conducive work environment as well as monitor staff discipline.
   • Coach and mentor staff to achieve required performance levels.
   • Hold regular staff meetings.
   • Identify training and development needs for Branch personnel on an ongoing basis.
2. Develop and supervise implementation of strategies to grow savings products and quality loan portfolios for the branch.

• Plan and monitor portfolio growth and outreach.
• Develop and monitor growth of the savings portfolio.
• Review performance of all products and formulate strategies to improve performance.
• Solicit business and attend to key company  customers in order to grow the business.

3. Ensure good customer service.

• Identify, assess, monitor, and respond to customer concerns through use of the Standard customer care survey tools.
• Plan, monitor and implement the disbursement processes as per set disbursement standards mainly focusing on quick service delivery and efficiency.

4. Branch administration.

• Ensure the security of the Branch premises and equipment.
• Keep branch premises and assets by carrying out timely repairs and maintenance of equipments and buildings.
• Maintain an Asset register.
• Identify fixed asset needs and make requisitions to the Regional Manager.

5. Budgeting and control of branch budget.

• Prepare branch budget.
• Approve branch expenses and review branch expense reports to control operating and non-operating expenses.
• Monitor budget performance and explain variances to the Finance and Administrative Manager / Chief Financial Officer.
• Prepare annual work plans, reviewed semi-annually, with the Chief Operations Officer / Chief Commercial Officer.

6. Liquidity  Management

• Plan and monitor daily cash requirements of the branch.
• Maintain branch cash insurance limits.

7. Branch compliance of all policies and procedures.

• Review the branch transactions on a daily basis to validate them and ensure compliance with operating guidelines.
• Train staff in policies and procedures.
• Ensure that staff adhere to all FINCA policies.
• Review the company policies and procedures and advise  management on the need to amend the policies and procedures for the efficient performance.
• Liaise with the internal audit department to facilitate regular audits of the regional office, respond to audit reports, and implement audit recommendations.

8. Branch relationships.

• Represent the company in key public events to raise the profile within the community.
• Maintain relations with other Financial Institutions.
• Visit important clients to build client/organization relationship.

9. Branch reporting.

• Review and submit daily, weekly, and monthly reports.

10. Business plans and market studies.

• Manage implementation of branch market studies as directed by management.
• Use market studies to identify untapped market segments.
• Design strategies to develop these segments.

11. Assess, review, and approve loans as per policy.

• Actively participate in credit committee as per policy, as member of the branch credit committee.
• Visit clients to assess creditworthiness where it deems necessary.

PERSONNEL SPECIFICATIONS

Education:

• University Degree preferably in commerce and accounting (B.Com), Business Administration (B.BA/ Banking) or related discipline.

Language:

• English
• Language of the area in which the branch is located.

Experience:

• At least 5 years work experience in a recognized micro finance institution or commercial bank.
• At least one year’s experience at the manager level, or other acceptable supervisory capacity (such as Credit Supervisor, or Accountant).
• A sound knowledge of micro finance, principles, and practices of banking.

Functional skills:

Corporate Training

• Basic management skills
• Credit analytical skills.
• Financial management skills
• Excellent public relations skills
• Administrative skills

Managerial/professional skills:

• Managing average size team, good leadership, well-developed ability to manage, coach, mentor and motivate staff.
• Decision-making skills

• Manage the branch staff.
• Monitor and evaluate the work of the Tellers, Customer Support Officer, Sales Officer(s), Recover Officer(s), Collections Officer(s) and Customer Relationship Supervisor(s) (VB).
• Review staff performance and recommend to the Chief Commercial Officer / Chief Operations Officer on measures to improve performance.
• Review and approve all Branch Human Resources evaluations to ensure compliance with Human Resources policies.
• Plan and ensure that the branch office has a sufficient number of staff and plan the staff leave to meet regional operations and efficiency.
• Boost branch staff morale through counselling and create a conducive work environment as well as monitor staff discipline.
• Coach and mentor staff to achieve required performance levels.
• Hold regular staff meetings.
• Identify training and development needs for Branch personnel on an ongoing basis.
• Develop and supervise implementation of strategies to grow savings products and quality loan portfolios for the branch.
• Plan and monitor portfolio growth and outreach.
• Develop and monitor growth of the savings portfolio.
• Review performance of all products and formulate strategies to improve performance.
• Solicit business and attend to key company customers in order to grow the business.
• Ensure good customer service.
• Identify, assess, monitor, and respond to customer concerns through use of the Standard customer care survey tools.
• Plan, monitor and implement the disbursement processes as per set disbursement standards mainly focusing on quick service delivery and efficiency.
• Ensure the security of the Branch premises and equipment.
• Keep branch premises and assets by carrying out timely repairs and maintenance of equipments and buildings.
• Maintain an Asset register.
• Identify fixed asset needs and make requisitions to the Regional Manager.
• Prepare branch budget.
• Approve branch expenses and review branch expense reports to control operating and non-operating expenses.
• Monitor budget performance and explain variances to the Finance and Administrative Manager / Chief Financial Officer.
• Prepare annual work plans, reviewed semi-annually, with the Chief Operations Officer / Chief Commercial Officer.
• Plan and monitor daily cash requirements of the branch.
• Maintain branch cash insurance limits.
• Review the branch transactions on a daily basis to validate them and ensure compliance with operating guidelines.
• Train staff in policies and procedures.
• Ensure that staff adhere to all FINCA policies.
• Review the company policies and procedures and advise management on the need to amend the policies and procedures for the efficient performance.
• Liaise with the internal audit department to facilitate regular audits of the regional office, respond to audit reports, and implement audit recommendations.
• Represent the company in key public events to raise the profile within the community.
• Maintain relations with other Financial Institutions.
• Visit important clients to build client/organization relationship.
• Review and submit daily, weekly, and monthly reports.
• Manage implementation of branch market studies as directed by management.
• Use market studies to identify untapped market segments.
• Design strategies to develop these segments.
• Assess, review, and approve loans as per policy.
• Actively participate in credit committee as per policy, as member of the branch credit committee.
• Visit clients to assess creditworthiness where it deems necessary.

• Basic management skills
• Credit analytical skills.
• Financial management skills
• Excellent public relations skills
• Administrative skills
• Managing average size team, good leadership, well-developed ability to manage, coach, mentor and motivate staff.
• Decision-making skills

• University Degree preferably in commerce and accounting (B.Com), Business Administration (B.BA/ Banking) or related discipline.
• English
• Language of the area in which the branch is located.