About the ASA International (Rwanda) Plc:

ASA International (Rwanda) Plc (subsequently referred to as “ASA Rwanda”) is a for-profit, deposit taking Microfinance Institution licensed by National Bank of Rwanda and incorporated under The Companies Act, No.103495622 in Rwanda in 2014 and started operations in 2016, currently serving small business through Loans and savings in 37 branches across the country. ASA Rwanda is a subsidiary of ASA International listed on London Stock Exchange, one of the world’s largest international Microfinance institutions in the world operating in 13 countries in Africa and Asia.

Vision: Reduce poverty by improving the lives of the underprivileged with a key focus on female entrepreneurs.

Mission: We have a strong commitment to financial inclusion and socioeconomic progress.

Objective: Providing Microfinance loans for business purpose to low-income entrepreneurs with an objective of improving financial inclusion and realize socioeconomic progress. Our loans provide an alternative to low-income entrepreneurs without access to credit from traditional banks. We provide these loans using the ASA Model.

a. Function summary

The Branch Manager is responsible for the overall management and performance of the branch, ensuring operational excellence, staff supervision, portfolio growth, client satisfaction, and compliance with company policies and procedures. The role requires strong leadership, attention to detail, and field-level engagement to maintain high-quality service delivery and financial discipline.

Key Responsibilities:

Office & Branch Management

• Identify, negotiate, and secure suitable office premises with required approvals.
• Ensure cleanliness and maintenance of the office and staff residence.
• Request and manage office supplies, furniture, and documentation tools.
• Open and manage branch bank accounts and ensure proper authorization levels.
• Ensure visibility of the branch through appropriate signage.

Staff Supervision & Human Resource Management

• Request staff as needed through proper channels and facilitate local staff recruitment.
• Accept joining letters, issue release orders, and oversee attendance records.
• Distribute work areas and set targets based on company policies.
• Monitor staff behavior, performance, and support skill development.
• Approve/recommend staff leave, manage grievances, and uphold company policies.
• Ensure compliance with HR policies, code of conduct, and reporting hierarchy.

Working Area Selection

• Conduct surveys and gather data on potential working areas.
• Assess presence of competitors (MFIs/MFBs) and allocate territories among Loan Officers.

Group Supervision & Field Visits

• Participate in new group formation and verify member details.
• Visit a minimum of 2 groups daily and all groups every 3–4 months.
• Cross-check savings, withdrawals, fees, and loan amounts with clients.
• Monitor quality of group interactions, staff-client relationships, and staff presentations.
• Visit absentees and bad debt clients for follow-up and data verification.
• Substitute JLO/LO/ABM duties in their absence as required.

Overdue & Bad Debt Recovery

• Visit at least 3 overdue/bad debt clients daily and take action to recover funds.

Loan & Savings Operations

• Approve loans after thorough business and income assessment.
• Ensure adherence to loan ceilings, increment policies, and disbursement procedures.
• Approve savings withdrawals and client dropouts based on proper verification.
• Maintain full accountability for financial transactions and disbursements.
• Supervise CRB checks, disburse loans in front of staff, and prepare disbursement master-rolls.

Planning & Target Management

• Develop client acquisition and staff deployment plans.
• Set and track weekly/monthly targets and ensure achievement.
• Prepare plans for small loans, business loans, and SME operations.
• Maintain transaction plans and data records.

Administrative Responsibilities

• Enforce company rules and report violations.
• Recommend HR actions like show cause, warning, and promotions.
• Liaise with Head Office, other branches, and external stakeholders.
• Provide information to authorities or regulators when required.

Fund & Cash Management

• Oversee cash withdrawals, deposits, and branch-level fund transfers.
• Ensure compliance with fund holding limits and proper documentation.
• Assign and rotate cashier duties among staff.
• Regularly update AM/RM on fund status and send fund requests in advance.
• Maintain and cross-check cheque books, bank statements, and transaction logs.

Office Expenditure Oversight

• Manage branch expenses within approved ceilings.
• Form purchase committees and obtain necessary approvals for larger expenses.
• Approve bills related to operations, travel, utilities, and meetings.

Reporting & MIS

• Prepare and submit monthly financial and operational reports.
• Share information on loan defaults, savings, fund management, and bank statements.

Accounting Oversight

• Ensure timely updating and preservation of the general ledger, cash book, and related registers.
• Review daily group collections and validate financial transactions.

IT & System Use

• Update daily operations in the AMBS system and cross-check with manual records.
• Maintain system backups and ensure device security.
• Monitor email communication and certify compliance with financial protocols.

Public Relations

• Build and maintain good relationships with local authorities, institutions, and professionals (e.g., police, doctors, teachers, engineers, etc.).

Mess & Staff Residence Management

• Supervise food standards, hygiene, and mess management.
• Rotate mess managers monthly and ensure cost control and cleanliness.

Required Qualifications and Skills:

• Bachelor’s degree in Business Administration, Finance, Economics, or related field.
• Minimum 3 years of experience in microfinance or branch-level operations.
• Strong leadership, organizational, and problem-solving skills.
• Ability to supervise field teams and maintain compliance with strict policies.
• Proficient in MS Office and loan management systems (AMBS preferred).
• High integrity and commitment to customer service.
• Willingness to travel and work in the field regularly.

e. Salary & Benefits:

Market conforms salary and employment conditions.

• In-house Medical Insurance covering him/her and legal dependents as company policy
• Communication allowances as per company policy
• Monitoring allowance as per company policy
• An annual festival allowance is provided in form of a full month's gross salary to support employees in celebrating special occasions with their families.

• Identify, negotiate, and secure suitable office premises with required approvals.
• Ensure cleanliness and maintenance of the office and staff residence.
• Request and manage office supplies, furniture, and documentation tools.
• Open and manage branch bank accounts and ensure proper authorization levels.
• Ensure visibility of the branch through appropriate signage.
• Request staff as needed through proper channels and facilitate local staff recruitment.
• Accept joining letters, issue release orders, and oversee attendance records.
• Distribute work areas and set targets based on company policies.
• Monitor staff behavior, performance, and support skill development.
• Approve/recommend staff leave, manage grievances, and uphold company policies.
• Ensure compliance with HR policies, code of conduct, and reporting hierarchy.
• Conduct surveys and gather data on potential working areas.
• Assess presence of competitors (MFIs/MFBs) and allocate territories among Loan Officers.
• Participate in new group formation and verify member details.
• Visit a minimum of 2 groups daily and all groups every 3–4 months.
• Cross-check savings, withdrawals, fees, and loan amounts with clients.
• Monitor quality of group interactions, staff-client relationships, and staff presentations.
• Visit absentees and bad debt clients for follow-up and data verification.
• Substitute JLO/LO/ABM duties in their absence as required.
• Visit at least 3 overdue/bad debt clients daily and take action to recover funds.
• Approve loans after thorough business and income assessment.
• Ensure adherence to loan ceilings, increment policies, and disbursement procedures.
• Approve savings withdrawals and client dropouts based on proper verification.
• Maintain full accountability for financial transactions and disbursements.
• Supervise CRB checks, disburse loans in front of staff, and prepare disbursement master-rolls.
• Develop client acquisition and staff deployment plans.
• Set and track weekly/monthly targets and ensure achievement.
• Prepare plans for small loans, business loans, and SME operations.
• Maintain transaction plans and data records.
• Enforce company rules and report violations.
• Recommend HR actions like show cause, warning, and promotions.
• Liaise with Head Office, other branches, and external stakeholders.
• Provide information to authorities or regulators when required.
• Oversee cash withdrawals, deposits, and branch-level fund transfers.
• Ensure compliance with fund holding limits and proper documentation.
• Assign and rotate cashier duties among staff.
• Regularly update AM/RM on fund status and send fund requests in advance.
• Maintain and cross-check cheque books, bank statements, and transaction logs.
• Manage branch expenses within approved ceilings.
• Form purchase committees and obtain necessary approvals for larger expenses.
• Approve bills related to operations, travel, utilities, and meetings.
• Prepare and submit monthly financial and operational reports.
• Share information on loan defaults, savings, fund management, and bank statements.
• Ensure timely updating and preservation of the general ledger, cash book, and related registers.
• Review daily group collections and validate financial transactions.
• Update daily operations in the AMBS system and cross-check with manual records.
• Maintain system backups and ensure device security.
• Monitor email communication and certify compliance with financial protocols.
• Build and maintain good relationships with local authorities, institutions, and professionals (e.g., police, doctors, teachers, engineers, etc.).
• Supervise food standards, hygiene, and mess management.
• Rotate mess managers monthly and ensure cost control and cleanliness.

• Strong leadership
• Organizational skills
• Problem-solving skills
• Ability to supervise field teams
• Proficiency in MS Office
• Loan management systems (AMBS preferred)
• High integrity
• Commitment to customer service
• Willingness to travel and work in the field regularly

• Bachelor’s degree in Business Administration, Finance, Economics, or related field
• Minimum 3 years of experience in microfinance or branch-level operations