Branch Manager - Mombasa

Job Description/Requirements

Reporting To: General Manager
People reporting to BM: TL, Pos, Super Agents, Front Office Officer, Office Assistant, BDM/BDO, Tele sales

Specific Duties & Responsibilities:

Branch Management
•    Lead and direct the development and implementation of the branch’s strategic plan and budgets
•    Identify and implement action plans and regularly track and review performance to ensure the achievement of the set targets
•    To lead any branch projects ( Process changes, sales… etc.) and support the launch of new products
•    Responsible for the smooth running of the branch by planning branch activities.
•    Responsible for preparation and submission of daily, weekly and monthly reports to management.
•    Ensure client's files are in safe custody and Ensure safe custody of branch assets
•    Ensure branch Office management affair (office arrangement, security)
•    Responsible for supervision of MCL activities in the Branch to ensure that they are carried out in accordance with the laid down procedures and policies.

Relationship Management
•    Meet regularly with the branch customers including important/ high net worth customers in order to assist in the growth of business.
•    Promote high level of customer service culture among the branch staffs for potential acquisitions.
•    Maintain sound relationships with all new clients and maintain business relationship with all existing clients to increase retention rate.
•    Monitor continuously customer complaints and mystery shopping results and recommend necessary measures and initiatives to improve the retention rate and to ensure high customer satisfaction.

Marketing and Disbursement
•    Achieve branch target per month set targets.
•    Proactively market and generate business through Individual and SME client recruitment on disbursement.
•    Stimulate branch growth through marketing of Mwananchi’s products and recruitment of new clients. Cross sell all products and services to both existing and potential clients.
•    Ensure all data is properly keyed into the system on time.
•    Monitor loan approvals and the loan status of the branch, i.e. disbursements, repayments and appraisals.
•    Responsible for loan appraisals and recommendations as per policy.

Risk Management and Compliance
•    Delinquency management in view of maintaining portfolio quality at acceptable levels. Monitor the portfolio quality on daily basis and proactively institute remedial actions.
•    Oversee credit risk framework, implement credit strategies, policies and procedures in line with the Mwanachi’s corporate strategy and ensure compliance.
•    Maintain high quality portfolio by ensuring on time payments of loans and being zero tolerant to arrears.
•    Initiate repossession through head of debt recovery.
•    In charge of moto vehicle auction.
•    Vet loans on compliance and approve at a branch level

Human Capital
•    Responsible for supervision of the branch staff.
•    Responsible for recruitment of branch staff in liaison with HR department.
•    Ensure staff members in the branch are well acquainted, and adhere to the company policies and procedures.
•    Train and supervise Team Leaders and their Marketing Executive, Ensure proper time management, Motivate, inspire, coach and develop branch staff to achieve set goals.
•    Steer the Branch into high level performance standards through proper supervision of staff and maintenance of a healthy loan portfolio.

Legal Issues
•    Record statements with the lawyer for any upcoming court case
•    Prepare affidavits for court sessions
•    Attend court sessions and witnessing

Any other duty assigned to you by Management.