Key Responsibilities
Provide leadership and oversight to branch teams within the assigned zone to achieve business growth and profitability targets.
Develop and implement zonal business development strategies aligned with organizational objectives.
Drive growth in key business segments including SME, corporate, SACCO, church, NGO, and institutional banking.
Manage portfolio growth, retention of client base, and profitability of assigned branches and business units.
Build and maintain strong customer relationships to support business acquisition and customer loyalty.
Promote crossselling of banking products and services to maximize revenue generation.
Maintain a balanced and quality asset and liability portfolio in line with organizational risk appetite.
Monitor branch lending activities, portfolio quality, and compliance with credit policies and procedures.
Identify new business opportunities, market trends, and emerging customer needs within the assigned zone.
Lead branch teams in achieving revenue, deposit mobilization, and customer acquisition targets.
Ensure compliance with AML, KYC, CFT, operational procedures, and regulatory requirements.
Coordinate business performance monitoring, target tracking, and submission of branch performance reports.
Support development and implementation of business improvement initiatives and operational efficiencies.
Mentor, coach, and motivate branch managers and teams to achieve high performance standards.
Participate in budgeting, business planning, and cost management activities within the zone.
Collaborate with internal departments to ensure effective service delivery and customer satisfaction.
Represent the organization in business networking, partnership development, and stakeholder engagement initiatives.
Qualifications & Requirements
Bachelor's Degree in Business Administration, Commerce, Finance, Banking, Marketing, Communication, or a related field.
Professional training in Credit Management or Relationship Management will be an added advantage.
Master's Degree will be an added advantage.
Minimum of 8 years' experience in microfinance, banking, or financial services, with at least 6 years in a management role.
Proven track record in business growth, portfolio management, and branch performance leadership.
Experience in relationship management and building strategic business partnerships.
Strong understanding of lending operations, credit risk assessment, and portfolio monitoring.
Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
Experience in the same business is preferred.
Strong leadership, negotiation, analytical, and decisionmaking skills.
Good understanding of financial analysis, banking operations, and regulatory compliance requirements.
ÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂÃÂâÃÂÃÂÃÂÃÂKey Competencies
Business development and portfolio growth
Relationship and stakeholder management
Leadership and people management
Credit and lending management
Strategic planning and execution
Financial analysis and profitability management
Negotiation and networking skills
Operational risk and compliance management
Communication and presentation skills
Analytical thinking and problemsolving