Key Responsibilities:
Branch Performance & Business Growth

• Drive branch growth in membership, deposits, and loan portfolio
• Develop and implement branch business development and growth strategies
• Identify, pursue, and convert new business opportunities within the branch catchment
• Ensure achievement of monthly, quarterly, and annual performance targets
• Monitor branch profitability and revenue versus cost performance
• Drive branch productivity and sustainable business growth

Lending & Credit Management

• Oversee loan origination and appraisal processes at branch level
• Ensure adherence to credit policies, procedures, and lending standards
• Support quality loan assessment, documentation, and approvals
• Monitor portfolio quality including PAR, arrears, and delinquency trends
• Implement recovery initiatives and escalate high-risk exposures promptly
• Ensure prudent credit risk management within the branch

Customer Experience & Relationship Management

• Ensure delivery of exceptional member service and customer experience
• Handle escalated customer complaints and ensure timely resolution
• Drive member retention and relationship management initiatives
• Promote cross-selling and uptake of SACCO products and services
• Strengthen branch visibility and customer engagement within the market

Branch Operations & Compliance

• Ensure smooth and efficient daily branch operations
• Enforce operational controls, cash handling procedures, and risk management practices
• Ensure compliance with internal policies, regulatory requirements, and audit standards
• Safeguard branch assets, records, and operational integrity
• Maintain proper documentation, filing systems, and audit readiness

Team Leadership & People Management

• Supervise, lead, and motivate branch staff to achieve performance targets
• Allocate responsibilities and monitor staff productivity and accountability
• Provide coaching, mentorship, and on-the-job training
• Conduct staff performance reviews and recommend development interventions
• Foster a high-performance and customer-centric culture within the branch

Reporting & Performance Monitoring

• Prepare and submit weekly, monthly, and quarterly branch performance reports
• Track branch KPIs including deposits, loans, recoveries, revenues, and new accounts
• Analyze branch performance trends and provide actionable insights to management
• Ensure accuracy, completeness, and integrity of branch data and reports

Stakeholder Engagement & Business Development

• Build and maintain relationships with local institutions, employers, businesses, and community groups
• Represent the SACCO in branch-level engagements and networking forums
• Support marketing campaigns, activations, and outreach initiatives
• Identify partnership opportunities that support branch growth objectives

Specification Requirements:

Education & Qualifications:

• Bachelor’s degree in Business Administration, Finance, Banking, Economics, Cooperative Management, or a related field
• Professional qualifications in banking, credit, finance or management will be an added advantage

Experience:

• Minimum of 7 years’ experience in banking, SACCO, or microfinance environment
• At least 2 years in a supervisory or branch leadership role
• Experience in lending, branch operations, and business development is required

Technical Skills & Competencies:

• Strong business development and sales skills
• Leadership and people management capability
• Excellent analytical and problem-solving skills
• Strong communication and interpersonal skills
• High integrity, accountability, and professionalism
• Strong understanding of SACCO operations and credit management