Assistant Branch Manager - Machackos Branch at Mwananchi Credit Ltd

Job Purpose

The Assistant Branch Manager will assist the Branch Manager in running day-to-day branch operations. This position is responsible for ensuring operational efficiency, enforcing compliance with company policies, leading the collections team, and maintaining excellent customer service standards. The role involves overseeing financial planning, managing staff performance, and ensuring the branch meets its performance targets.

Key Responsibilities

Collections Management

• Develop and implement strategies to optimize collections performance and minimize delinquencies
• Monitor collection targets and take corrective actions where necessary
• Supervise daily due list collections and follow-up processes
• Guide and support the collections team for effective follow-up and issue resolution
• Oversee all collection timelines, including reminders, demands, and repossessions
• Manage vehicle sales from the yard and follow up on legal and title deed accounts
• Ensure a 10% monthly reduction in PAR and meet collection targets consistently
• Maintain accurate updates on client accounts and arrears

Internal Controls & Procedures

• Ensure full compliance with company policies, operational procedures, and risk controls
• Oversee branch operations, including timely opening and closing, staff readiness, and overall cleanliness
• Enforce adherence to KYC and AML requirements for all new and existing customers
• Achieve at least a 90% audit score through effective closure of audit issues
• Prepare and submit accurate branch reports on time
• Serve as the liaison between the branch and the Finance Department
• Support financial planning and budgeting for the branch

Financial Performance

• Ensure branch goals align with company objectives
• Oversee accurate loan booking and portfolio management (liquidations, restructures, and repeat business)
• Drive customer acquisition, retention, and sales