Key Duties and Responsibilities

Branch and Field Operations

• Oversight and coordination of all branch activities; directing and supervising all branch operational activities, including Sales, Customer service, Human Resources, and administration in accordance with Tugende’s Objectives and procedures
• Prudent management of all branch resources, including human resources, assets, tools, and equipment. He/she should ensure that proper records are kept at all times.
• Ensure profitability, scale up operational radius, portfolio growth, and portfolio quality by implementing strategies to improve productivity and operational performance in efforts to achieve the financial targets of the branch.
• Maintain a forecast model that analyzes client optimal utilization to guide stock demands, manage the backlog through prioritizing, and a disbursement forecast that predicts periodic sales (weekly, monthly, quarterly, and annually).
• Providing direction to branch teams by ensuring strict adherence to standard Operating procedures and guidelines in place, and compliance with all Tugende Policies and employee manuals.
• Branch inventory management, including supervision of received stock, recording stock levels when delivered, and as they are shipped out of the branch. Supervise the update of the detailed record of each asset at the branch.
• Perform branch routine checks, actively run spot-on audits to assess risk and identify processes that are not working, then engage management by advising on changes to be made to improve.
• Portfolio Diversity – propose and recommend other assets for investment to limit exposure to few assets.
• Market survey and analysis to identify new opportunities for Tugende’s target market and potential clients while assessing the existing portfolio challenges.
• Oversee loan origination, credit assessments, and approval processes in line with company credit policy.
•  Monitoring competitor activity and market trends to inform branch strategies.
• Implement strategies for recovering overdue accounts and managing non-performing loans.
• Ensure timely and effective loan disbursement to approved customers.
• Support technological uptake for everyone at the branch by supporting the implementation of the company’s IT Guidelines and best practices.
• Ensure that all client agreements company copies are sent to the country office for archiving.
• Oversee and promote staff welfare within the branch by ensuring a safe,  secure, healthy, and supportive work environment, addressing employee concerns promptly, and facilitating initiatives that enhance morale, well-being, and work–life balance.

Customer Service Excellence

Budgets and Forecasting

Performance Management 

Compliance and Reporting 

Key Qualification, Experience, Working Condition  and Abilities

• Bachelor’s degree in Business, Finance, Microfinance, Economics, or related field.
• At least 5 years’ experience in the financial services sector, including 2–3 years in a supervisory or branch leadership role.
• Office and field-based role with frequent client interactions.
• Demonstrated experience in credit management, asset financing, portfolio growth, and sales.
• High integrity, strong compliance orientation, and risk management awareness.
• Excellent communication, interpersonal, and report-writing skills.
• Ability to work under pressure, meet targets, and manage competing priorities.
• Analytical and problem-solving abilities.
• Proficiency in Google suites  and CRM
• Motorbike Riding Competence Class A2 , is a MUST requirement for this position.