The Branch Manager is responsible for overseeing the efficient operation, strategic growth, and compliance of a microfinance branch. The role demands strong leadership, financial management, community engagement, and adherence to Islamic microfinance principles.
Ensure smooth daily operations of the branch, including client services, loan disbursement, and recovery.
Monitor branch performance against key indicators such as portfolio quality, outreach, and sustainability.
Manage cash flow, oversee teller operations, and ensure proper security measures.
Supervise, mentor, and evaluate the performance of branch staff, including Loan Officers, Tellers, and Admin Officers.
Conduct regular team meetings, provide capacity-building support, and promote a results-driven culture.
Ensure staff compliance with organizational policies and procedures.
Oversee the client selection, loan appraisal, disbursement, and recovery processes.
Maintain high portfolio quality by minimizing PAR (Portfolio at Risk) and ensuring timely follow-ups.
Approve loan applications within delegated authority and escalate higher-value loans appropriately.
Promote the institution’s microfinance products and services within the community.
Establish and maintain relationships with clients, local leaders, and potential partners.
Identify new markets and propose strategies to increase outreach and financial inclusion.
Ensure compliance with all internal policies, regulatory frameworks, and Sharia principles.
Identify risks, implement risk mitigation plans, and report irregularities to the head office.
Maintain proper documentation and ensure audit readiness.
Prepare and submit regular operational and financial reports to the Head Office.
Analyze branch performance data and recommend improvements.
Communicate institution goals, updates, and decisions to the branch team.
Ensure excellent client service and adherence to client protection principles.
Handle customer complaints and resolve issues with professionalism and urgency.
Promote transparency, ethical conduct, and financial literacy among clients.