Expiry Date: 2025-04-21


Purpose of the role:
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:
o New business loan advances.
o Interest Revenue
o Fee Income
o Branch expenses
o Age analysis
o 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 focussed marketing activities
People Management
- Manage, motivate and monitor branch personnel and their performance.
- Ensure active 360° communication between branches and Area Managers.
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- Decision making and problem solving in branches.
- Manage staff training requirements and facilitate training.
- Recommend to Area Managers staff movement including:
o Promotions
o Appointments
o Movements
o 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: • An ability to lead a team • Empathy and patience with clients and colleagues • An ability to orally communicate in a clear, respectful, honest, assertive and persuasive manner • Numeracy and literacy abilities to the level that ensures no mistakes. • A flair for administrative organization and detail • A positive attitude • A ready knowledge of the company’s products (Type of loans as well as Consumer Finance) • A ready knowledge of the pricing of each product (Consumer Finance) • An ability to operate a computer and peripherals effectively and at acceptable speeds • Understanding of the need for urgency when dealing with daily and monthly reports, complaints and queries • Accuracy in the maintenance of records and systems • An ability to remain calm and resolve conflict • An ability to converse in at least two languages spoken within the market place • A compliance to all workplace rules and procedures • 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