Branch Manager at Human Capital Outsourcing Limited

Responsibilities:

• Drive branch loan disbursements and achieve daily, weekly, and monthly production targets.   
• Oversee credit appraisal, loan approval, and secured lending processes.   
• Lead and manage collections to ensure high recovery rates and low delinquency.   
• Monitor and control Portfolio at Risk (PAR) and ensure portfolio quality.   
• Supervise, coach, and performance-manage branch staff.   
• Ensure excellent customer service and effective complaint resolution.   
• Enforce compliance with credit policies, regulatory requirements, and SOPs.   
• Oversee branch operations, administration, security, and facility standards.   
• Implement marketing and business development initiatives to grow the client base.   
• Analyze branch performance and prepare management reports.   
• Optimize operational efficiency, cost control, and staff productivity.   
• Strengthen cross-selling and upselling of financial products.   
• Identify and mitigate operational, credit, and fraud risks.

Requirements:

• Bachelor’s Degree in Finance, Business Administration, Economics, or a related field.   
• Minimum of 5 years’ experience in microfinance or banking, with at least 3 years in branch management.   
• Strong knowledge of secured lending, credit appraisal, and recovery processes.   
• Proven ability to drive loan book growth and manage large disbursement targets.   
• Excellent leadership, people management, and coaching skills.   
• Strong financial analysis, risk management, and decision-making abilities.   
• High integrity, customer orientation, and regulatory compliance awareness.   
• Excellent communication, negotiation, and reporting skills.