Branch Manager (Microfinance)

Role Summary

The Branch Manager will drive business growth, profitability, risk control, and operational excellence within the branch, while ensuring regulatory compliance and strong customer relationships.

Key Responsibilities

• Execute branch business strategy to meet loan, deposit, and revenue targets
• Drive deposit mobilization, credit growth, and product cross-selling
• Manage loan processing, monitoring, and recovery; maintain PAR ≤ 5%
• Ensure compliance with CBN regulations, KYC, AML/CFT, and internal controls
• Oversee daily branch operations and service delivery standards
• Identify and mitigate credit and operational risks
• Lead and develop staff; manage performance and discipline processes
• Build customer and community partnerships to grow market share
• Monitor branch performance and submit accurate periodic reports
• Improve processes and support digital and operational transformation initiatives

Key Performance Indicators

• ≥90% loan and deposit target achievement
• PAR ≤ 5%
• ≥85% customer retention
• Profitability targets met
• ≥95% recovery on performing loans
• 100% compliance and reporting timeliness
• ≥99% reporting accuracy
• Strong audit and internal control ratings

Required Qualifications

• Bachelor's Degree in Finance, Business, Economics, or related field (MBA is an advantage)
• 5–7 years of banking experience, with at least 3 years in a management role
• Solid knowledge of microfinance operations, credit, and regulation
• Strong leadership, analytical, and stakeholder management skills

Core Skills & Competencies

• Strategic planning
• Team leadership
• Business development
• Risk and compliance oversight
• Negotiation
• Communication
• Problem-solving
• Customer focus