Team Lead (Personal Banking) at Kolomoni Microfinance Bank

Job Purpose

The Team Lead (Personal Banking) is responsible for leading and managing Direct Sales Agents (DSAs) to deliver on customer acquisition, deposit mobilization, loan sales and recovery, and digital channel adoption. The role involves planning, performance monitoring, coaching, compliance oversight, and market development. The Team Lead ensures that the team consistently achieves business growth targets, maintains portfolio quality, and builds strong community and stakeholder relationships to strengthen the bank's presence in the area under management.

Core Duties & Responsibilities

Deposit Mobilization & Account Growth

• Drive deposit mobilization through savings, current, and fixed deposit accounts
• Ensure monthly team achievement of regional deposit targets
• Develop and execute market penetration strategies to maximize growth
• Lead initiatives for bulk deposits and targeted mobilization campaigns
• Oversee community activations, campaigns, and partnerships
• Monitor cost of funds and ensure compliance with approved thresholds

Account Opening & Digital Adoption

• Ensure a minimum of 21,000 new accounts are opened per month through DSAs
• Guarantee that all accounts are properly KYC-compliant and profiled across Kolomoni Digital Savings App, USSD, and Chatbot
• Drive usage of eChannels by creating adoption campaigns and customer education initiatives

Card Issuance & Activation

• Oversee ATM card requests, issuance, and distribution to customers
• Ensure minimum 80% activation rate of cards issued per month
• Collaborate with Operations and Customer Experience teams to resolve card-related escalations

Loan Management

• Coordinate disbursement of micro-loans within the assigned portfolio
• Support DSAs in loan origination, basic credit checks, and documentation
• Monitor repayment performance and maintain portfolio quality (PAR ≤5%)
• Intervene in escalated delinquency cases