Job Description

Main purpose of this job

The Branch Manager is responsible for the financial, business, marketing, and people management for his/her branch.

Critical outcomes

Financial Management

Continuously manage and monitor branch performance with regards to the following:

New business loan advances.

Interest Revenue

Fee Income

Branch expenses

Age analysis

Provisions and impairments

Business/Compliance management

Ensure implementation of and compliance with internal policy as determined by Executive management. Ensure NCA compliance in respect of lending policy and display requirements Ensure adherence to collections policies and procedures in Branches Ensure adherence to policies and procedures by all branch staff. Investigate and report non-compliance to area manager. Monitor potential fraud in branches and report suspicious activities to Area Managers. Ensure timely and accurate reporting on Branch and within branches. Ensure that the sum of branch daily/monthly is 100% accurate and are balanced every day. Manage and report maintenance requirements of company hardware and software.

Sales and Marketing Management

Develop implement Sales and Marketing plans to improve branch performance Effectively implement sales and marketing plans Measure plan effectiveness and implement correct actions where required Actively focus on marketing and cross sell of non-loan products Drive community participation through focused marketing activities

People Management

Manage, motivate and monitor branch personnel and their performance. Ensure active 360 communication between branches and Area Managers. Decision making and problem solving in branches. Manage staff training requirements and facilitate training. Recommend to Area Managers staff movement including:

Promotions

Appointments

Movements

Salary adjustments

Qualifications:

Minimum Matric. Sales and Marketing qualifications will be an advantage.

Experience:

2 years proven track record in microfinance or banking. Minimum of two years managerial experience

Knowledge and Skills:

The incumbent should be able to demonstrate: o An ability to lead a team o Empathy and patience with clients and colleagues o An ability to orally communicate in a clear, respectful, honest, assertive and persuasive manner o Numeracy and literacy abilities to the level that ensures no mistakes. o A flair for administrative organization and detail o A positive attitude o A ready knowledge of the company's products (Type of loans as well as Consumer Finance) o A ready knowledge of the pricing of each product (Consumer Finance) o An ability to operate a computer and peripherals effectively and at acceptable speeds o Understanding of the need for urgency when dealing with daily and monthly reports, complaints and queries o Accuracy in the maintenance of records and systems o An ability to remain calm and resolve conflict o An ability to converse in at least two languages spoken within the market place o A compliance to all workplace rules and procedures o A willingness to undertake duties beyond the confines of your job.

Additional Requirements:

Financial Management: Continuously manage and monitor branch performance. Business/Compliance Management: Ensure that the sum of branch daily/monthly is 100% accurate and is balanced everyday Sales. Marketing Management: Develop implement Sales and Marketing plans to improve branch performance. People Management: Manage, motivate and monitor branch personnel and their performance Clear ITC