Branch Manager

Job Purpose: Reporting to the Chief Executive Officer (CEO), the Branch Manager will be responsible for driving branch business growth, operational efficiency, portfolio quality, member experience, compliance, and overall branch performance. Key Responsibilities: Branch Performance & Business Growth Drive branch growth in membership, deposits, and loan portfolio Develop and implement branch business development and growth strategies Identify, pursue, and convert new business opportunities within the branch catchment Ensure achievement of monthly, quarterly, and annual performance targets Monitor branch profitability and revenue versus cost performance Drive branch productivity and sustainable business growth Lending & Credit Management Oversee loan origination and appraisal processes at branch level Ensure adherence to credit policies, procedures, and lending standards Support quality loan assessment, documentation, and approvals Monitor portfolio quality including PAR, arrears, and delinquency trends Implement recovery initiatives and escalate high-risk exposures promptly Ensure prudent credit risk management within the branch Customer Experience & Relationship Management Ensure delivery of exceptional member service and customer experience Handle escalated customer complaints and ensure timely resolution Drive member retention and relationship management initiatives Promote cross-selling and uptake of SACCO products and services Strengthen branch visibility and customer engagement within the market Branch Operations & Compliance Ensure smooth and efficient daily branch operations Enforce operational controls, cash handling procedures, and risk management practices Ensure compliance with internal policies, regulatory requirements, and audit standards Safeguard branch assets, records, and operational integrity Maintain proper documentation, filing systems, and audit readiness Team Leadership & People Management Supervise, lead, and motivate branch staff to achieve performance targets Allocate responsibilities and monitor staff productivity and accountability Provide coaching, mentorship, and on-the-job training Conduct staff performance reviews and recommend development interventions Foster a high-performance and customer-centric culture within the branch Reporting & Performance Monitoring Prepare and submit weekly, monthly, and quarterly branch performance reports Track branch KPIs including deposits, loans, recoveries, revenues, and new accounts Analyze branch performance trends and provide actionable insights to management Ensure accuracy, completeness, and integrity of branch data and reports Stakeholder Engagement & Business Development Build and maintain relationships with local institutions, employers, businesses, and community groups Represent the SACCO in branch-level engagements and networking forums Support marketing campaigns, activations, and outreach initiatives Identify partnership opportunities that support branch growth objectives Specification Requirements: Education & Qualifications: Bachelor’s degree in Business Administration, Finance, Banking, Economics, Cooperative Management, or a related field Professional qualifications in banking, credit, finance or management will be an added advantage Experience: Minimum of 7 years’ experience in banking, SACCO, or microfinance environment At least 2 years in a supervisory or branch leadership role Experience in lending, branch operations, and business development is required Technical Skills & Competencies: Strong business development and sales skills Leadership and people management capability Excellent analytical and problem-solving skills Strong communication and interpersonal skills High integrity, accountability, and professionalism Strong understanding of SACCO operations and credit management