This role involves providing effective leadership and oversight of branch operations to ensure efficient service delivery, business growth, and regulatory compliance. The Branch Manager will drive deposit mobilization, loan portfolio growth, member recruitment and retention, and increased uptake of ICT products, while maintaining asset quality, improving customer satisfaction, and ensuring cost-effective branch performance in support of the Society’s strategic objectives. The position reports to the Head of Operations and Customer Care.
Key Tasks and Responsibilities/Duties
BUSINESS GROWTH FUNCTION:
- Responsible for growing customer base; consumer and business relationships through internal and external marketing programs.
- Maintain good public relations with customers and the community.
- Manage and lead the branch team in achieving business growth as per the set branch business targets in accordance with the Tai SACCO Strategic Plan.
FINANCIAL RESPONSIBILITY
- Responsible for budget planning and cost management.
- Continuous evaluation of branch financial performance against budgets/strategic plan and taking remedial actions where necessary.
- Tasked with monitoring the loan portfolio quality on daily basis and proactively instituting remedial actions.
- Preparation of quarterly branch economic reports.
- Ensure there is adequate portfolio balance.
ADMINISTRATION OF THE BRANCH
- Manage the daily affairs of the branch in a competent manner.
- Comply with all the departmental and SACCO policies, procedures, and regulations.
- To see to it that all internal controls arrangements are followed to the latter.
- Comply with the regulatory frameworks governing the SACCO.
CORPORATE GOVERNANCE:
- Responsible for good corporate governance through monitoring and ensuring 100% compliance to all the Tai SACCO and regulators policies, processes, procedures, and other internal controls.
- Ensuring all branch licenses are renewed appropriately and well displayed.
- Responsible for routine audit at the branch level to ensure compliance with established controls.
- Ensuring compliance with Anti-Money Laundering ACT.
- Conducting branch staff meetings and keeping records of the same.
- Ensuring all communications to and from the branch are acted on timely.
- Custodian of all customer collaterals/assets and other accountable documents.
CUSTOMER SERVICE
- Provide superior level of customer relationship management and promote positive attitude and service culture through coaching, guidance, and staff motivation.
- Initiate, nurture, and ensure profitable business relationship and partnerships with the members, community, and government agencies.
MANAGEMENT OF THE BRANCH HUMAN RESOURCES
- Implementation of HR Policies at the Branch level.
- Direct and supervise all staff at the Branch.
- Develop staff regarding service expectations, policies, procedures, products, systems, and banking transactions.
- Development of a high performing team at branch level through training, mentorship, and special assignments.
- Perform half-yearly Performance Management Appraisals with the assistance of the HR.
- Maintain staff schedules to provide adequate coverage at all times.
- Effective performance appraisal and career development by training, coaching, providing feedback, and integrating reward systems.
- Any other role/duty allocated by the supervisor.
Knowledge and Skills
- Analytical Skills/Good presentation skills
- Business Strategy Implementation skills
- People skills/Marketing Skills
- Customer care skills
- Extensive knowledge of SACCO operations, Banking theory and practice, Central Bank’s and SASRA rules and regulations and procedures
