Job Title: Branch Operations & Relationship Manager
Vacances: 1
Location: Eco Bank Towers, Pension Towers
Emplyment Type: Full-Time
Deadline: January 31, 2025
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Job Summary
The Branch Operations & Relationship Manager (BORM) is charged with managing the day-to-day operations of the branch. These responsibilities include developing business plans and attaining sales goals, delivering great customer care, and growing revenue through increased lending activity, delivering business objectives and overall people management for the Collections Department.
Desired Skills:
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 a loan disbursement targets set for the branch.
- Proactively market and generate business through Individual 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
- 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 Mwananchi’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.
Human Capital
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- 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 acquainted, and adhere to the company policies and procedures.
- Train and supervise Team Leaders and their Sales Agents.
- 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
- Support handling legal matters that arise in the course work as the case maybe.
- Attend court sessions and organize witnesses,
Any other duty assigned to you by Management.
Qualifications
- Bachelor Degree in a relevant field
- 5+ years’ experience of working in a commercial debt recovery environment would be an advantage
- Proficiency and good IT skills and knowledge are essential
- Judgement to balance commercial debt recovery and compliance risks to achieve positive outcomes
Key Competencies
- Numerically savvy, able to work with data, perform analysis and communicate result.
- Excellent analytical skills, quantitative and qualitative.
- Maintains the highest professional standards
- Ability to build supportive relationships with everyone across the firm
- Excellent communication and leadership skills with an ability to influence at all levels
- Excellent organizational skills
- Able to multi-task, manage time effectively and keep calm under pressure
How to Apply
Please forward your updated CV and a cover letter to [email protected]
Only shortlisted candidates will be contacted
Interviews will be conducted on a rolling basis
