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