Job Purpose

The Branch Manager is responsible for the overall leadership, performance, and operational management of the branch. The role ensures portfolio growth, high-quality client service, financial discipline, and full compliance with company policies and procedures. The Branch Manager provides strong field-based leadership, supervises staff performance, safeguards company assets, and ensures sustainable branch profitability and operational excellence.

Key Responsibilities

1. Branch & Office Management

• Identify, negotiate, and secure suitable office premises with required approvals.
• Ensure cleanliness, maintenance, and proper functioning of the office and staff residence.
• Manage office supplies, furniture, and operational tools.
• Open and oversee branch bank accounts in line with authorization policies.
• Ensure proper branch visibility and branding through appropriate signage.

2. Staff Supervision & Human Resource Management

• Request staffing needs through proper channels and support local recruitment.
• Manage onboarding documentation, attendance, and performance monitoring.
• Allocate working areas and set performance targets aligned with company policies.
• Monitor staff discipline, conduct, and productivity.
• Support staff development and recommend training needs.
• Approve/recommend leave and manage grievances in line with HR policies.
• Enforce company policies, code of conduct, and reporting hierarchy.

3. Working Area & Market Assessment

• Conduct market surveys to identify viable working areas.
• Assess competitor presence and allocate territories effectively among Loan Officers.

4. Field Supervision & Group Monitoring

• Participate in new group formation and verify member details.
• Conduct regular field visits (minimum two groups per day).
• Cross-check savings, loan disbursements, withdrawals, and collections with clients.
• Monitor group meeting quality and staff-client interactions.
• Follow up on absentee and delinquent clients.
• Substitute key branch roles when required.

5. Loan & Savings Management

• Approve loans after thorough assessment of business viability and repayment capacity.
• Ensure compliance with loan ceilings, increment policies, and disbursement procedures.
• Approve savings withdrawals and client exits following proper verification.
• Supervise credit reference checks and ensure transparent disbursement processes.
• Maintain accountability for all financial transactions.

6. Portfolio Quality & Recovery

• Conduct daily visits to overdue and bad debt clients.
• Implement effective recovery strategies to minimize portfolio at risk.

7. Planning & Target Achievement

• Develop and implement client acquisition and staff deployment plans.
• Set weekly and monthly performance targets and ensure achievement.
• Prepare operational plans for small loans, business loans, and SME activities.
• Maintain accurate transaction plans and data records.

8. Financial & Fund Management

• Oversee cash withdrawals, deposits, and branch fund transfers.
• Ensure compliance with fund holding limits and documentation requirements.
• Assign and rotate cashier responsibilities.
• Monitor fund balances and submit fund requests timely.
• Cross-check cheque books, bank statements, and transaction records.

9. Administrative & Compliance Oversight

• Enforce company rules and report policy violations.
• Recommend disciplinary actions and staff promotions when appropriate.
• Liaise with Head Office and relevant external stakeholders.
• Provide required information to regulators or authorities when necessary.

10. Expenditure & Cost Control

• Manage branch expenses within approved ceilings.
• Facilitate purchase approvals according to procurement guidelines.
• Approve operational bills including utilities, travel, and meeting costs.

11. Reporting & MIS

• Prepare and submit monthly operational and financial reports.
• Report on portfolio performance, loan defaults, savings, and fund management.

12. Accounting & System Management

• Ensure timely updating of general ledger, cash book, and related registers.
• Review daily collections and validate financial records.
• Update daily transactions in the AMBS system and reconcile with manual records.
• Maintain data security, system backups, and compliance with IT protocols.

13. Public Relations & Stakeholder Engagement

• Build and maintain strong relationships with local authorities and community stakeholders.
• Represent the company professionally within the branch operational area.

14. Staff Residence & Welfare Oversight

• Supervise hygiene and management of staff residence facilities.
• Ensure cost control and cleanliness standards are maintained.

Required Qualifications & Skills

• Bachelor’s Degree in Business Administration, Finance, Economics, or a related field.
• Minimum of 3 years’ experience in microfinance or branch-level financial operations.
• Strong leadership, team management, and organizational skills.
• Solid understanding of credit management and portfolio quality control.
• Proficiency in MS Office and loan management systems (AMBS preferred).
• High level of integrity, accountability, and professionalism.
• Willingness to work extensively in the field and in upcountry locations.

• Identify, negotiate, and secure suitable office premises with required approvals.
• Ensure cleanliness, maintenance, and proper functioning of the office and staff residence.
• Manage office supplies, furniture, and operational tools.
• Open and oversee branch bank accounts in line with authorization policies.
• Ensure proper branch visibility and branding through appropriate signage.
• Request staffing needs through proper channels and support local recruitment.
• Manage onboarding documentation, attendance, and performance monitoring.
• Allocate working areas and set performance targets aligned with company policies.
• Monitor staff discipline, conduct, and productivity.
• Support staff development and recommend training needs.
• Approve/recommend leave and manage grievances in line with HR policies.
• Enforce company policies, code of conduct, and reporting hierarchy.
• Conduct market surveys to identify viable working areas.
• Assess competitor presence and allocate territories effectively among Loan Officers.
• Participate in new group formation and verify member details.
• Conduct regular field visits (minimum two groups per day).
• Cross-check savings, loan disbursements, withdrawals, and collections with clients.
• Monitor group meeting quality and staff-client interactions.
• Follow up on absentee and delinquent clients.
• Substitute key branch roles when required.
• Approve loans after thorough assessment of business viability and repayment capacity.
• Ensure compliance with loan ceilings, increment policies, and disbursement procedures.
• Approve savings withdrawals and client exits following proper verification.
• Supervise credit reference checks and ensure transparent disbursement processes.
• Maintain accountability for all financial transactions.
• Conduct daily visits to overdue and bad debt clients.
• Implement effective recovery strategies to minimize portfolio at risk.
• Develop and implement client acquisition and staff deployment plans.
• Set weekly and monthly performance targets and ensure achievement.
• Prepare operational plans for small loans, business loans, and SME activities.
• Maintain accurate transaction plans and data records.
• Oversee cash withdrawals, deposits, and branch fund transfers.
• Ensure compliance with fund holding limits and documentation requirements.
• Assign and rotate cashier responsibilities.
• Monitor fund balances and submit fund requests timely.
• Cross-check cheque books, bank statements, and transaction records.
• Enforce company rules and report policy violations.
• Recommend disciplinary actions and staff promotions when appropriate.
• Liaise with Head Office and relevant external stakeholders.
• Provide required information to regulators or authorities when necessary.
• Manage branch expenses within approved ceilings.
• Facilitate purchase approvals according to procurement guidelines.
• Approve operational bills including utilities, travel, and meeting costs.
• Prepare and submit monthly operational and financial reports.
• Report on portfolio performance, loan defaults, savings, and fund management.
• Ensure timely updating of general ledger, cash book, and related registers.
• Review daily collections and validate financial records.
• Update daily transactions in the AMBS system and reconcile with manual records.
• Maintain data security, system backups, and compliance with IT protocols.
• Build and maintain strong relationships with local authorities and community stakeholders.
• Represent the company professionally within the branch operational area.
• Supervise hygiene and management of staff residence facilities.
• Ensure cost control and cleanliness standards are maintained.

• Strong leadership, team management, and organizational skills.
• Solid understanding of credit management and portfolio quality control.
• Proficiency in MS Office and loan management systems (AMBS preferred).
• High level of integrity, accountability, and professionalism.
• Willingness to work extensively in the field and in upcountry locations.

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