The job holder is expected to aggressively drive the branch growth and profitability targets by identifying, developing and maintaining profitable relationships with customers
KEY MEASURABLE GOALS
Growth of the branch liability book
Growth of the Branch asset book in all the segments
Growth of the banc assurance portfolio
Growth of the branch customer base and sign ups of digital customers
Ensure portfolio quality.
Ensure branch profitability.
Ensure operational efficiency and compliance
Ensure effective performance management
Achievement of branch business targets
Branch performance in Operations, Compliance, Risk management, Customer Service, Culture and other related surveys
Growth, retention and development of motivated and high performing teams
Brand visibility within the market
Offer leadership to branch staff, Sales consultants and Remote sales teams.(RST)
Oversee the growth and utilization of agency banking and digital customers.
KEY RESPONSIBILITIES
Develop business strategic plans that provide clear direction on the business objectives for the region assigned
Ensure SMART target setting, monitoring and timely submission of both target documents &appraisal documents within set timelines in the allocated region.
Lead business growth and development of the branch, agencies and other alternative service outlets attached to the branch
Manage and lead the branch team in achieving/ surpassing the set business targets
Provide superior level of customer relationship management and promote the sales and service culture through coaching, guidance and staff motivation;
Drive sales of all products and services at branch level through offering leadership and motivation to the sales team, sales drives , liaison with key relationships among others ;
Offer leadership to managers and staff in the region assigned in a manner that promotes motivation, efficiency, mentoring and to ensure high levels of discipline.
Development of a high performing team at branch level through training , mentorship, and special assignments
Monitor and ensure 100% compliance to all the company policies, processes, procedures and other controls
Lead in optimal utilization of people, financial and technical resources within the branch
Chair the Branch Credit Committee and ensure compliance to Credit policy & procedures
Budget planning and cost management ; Continuous evaluation of branch financial performance against budgets and taking remedial actions where necessary
Promotion of Faulu's brand visibility and image: Being the Key liaison point with the community, participate in community affairs to increase the company's visibility and to enhance new and existing business opportunities
Offer leadership to managers and staff in the region assigned in a manner that promotes motivation, efficiency, mentoring and to ensure high levels of discipline
Initiate, nurture and ensure profitable business relationship and Partnerships with the customers, community and government structures
Communicating and reinforcing the AML-CTF compliance culture established by the board
Implementing and enforcing the board-approved AML, KYC & CFT policy within the region and Branch
Any other role allocated by the supervisor
Others Reporting Indirectly
Relationship Manager
Senior Relationship Officer
Assistant Manager Branch Operations
Team Leader Sales
Relationship Officer-SME/Micro/Group
Education
Bachelor's degree in a business-related field
Advanced training in Business Management.
Masters in business or related field preferred.
Knowledge and Skills
Business Strategy Implementation skills
Good presentation skills
People management skills
Sales / Marketing skills
Financial analytical skills
Customer service skills
Strong communication and negotiation skills
Strong relationship management skills
Experience
Over 8 years' experience in microfinance business with 6 years in a management role with proven record of business growth and management of good loan portfolio.
Good leadership and influence skills geared towards business growth, staff motivation and customer loyalty.
Team player and relationship builder.
Ambitious and self-driven individual.
Strong communication and negotiation skills with the ability to network and develop business relationships.
Experience in all aspects of lending and banking i.e. risk assessment, monitoring and control of loans
Loan documentation securities