At NEAT Microcredit, our management team is dedicated to driving our mission forward with expertise and passion. We work collaboratively to empower communities and enhance financial accessibility across Africa.
We are recruiting to fill the position below:
Job Title: Branch Manager
Locations: Gwagwalada and Karu - Abuja, Sabon Gari, Zoo Road, Kabuga, and Hadejia Road - Kano, Suleja - Niger, Omu Aran, Offa, and Ilorin - Kwara, and Kaduna Employment Type: Full-time
Job Purpose
The Branch Manager will oversee the daily operations and overall performance of the branch, ensuring profitability, business growth, effective loan portfolio management, excellent customer service, and compliance with company policies and regulatory requirements.
The successful candidate will provide leadership to the branch team, drive business development initiatives, strengthen customer relationships, and ensure the achievement of assigned branch targets.
Key Responsibilities
Oversee and coordinate the day-to-day activities of the branch to ensure smooth and efficient operations.
Drive loan disbursement, deposit mobilisation, customer acquisition, and overall branch business growth.
Monitor loan portfolio performance, repayment rates, delinquency, and recovery activities.
Ensure effective credit assessment, customer verification, and adherence to lending policies.
Supervise, motivate, and manage branch employees, ensuring productivity and accountability.
Develop strategies to achieve branch targets and improve operational performance.
Build and maintain strong relationships with existing and prospective customers.
Monitor cash management, transactions, and branch financial activities to ensure accuracy and accountability.
Identify potential business opportunities and implement strategies to increase the branch's market presence.
Ensure compliance with internal policies, operational procedures, and applicable regulatory requirements.
Prepare and submit accurate daily, weekly, and monthly branch performance reports.
Address customer complaints and ensure prompt resolution of service-related issues.
Conduct regular performance reviews and provide guidance and coaching to branch staff.
Monitor operational risks and take appropriate measures to prevent fraud, financial losses, and other irregularities.
Key Performance Indicators (KPIs)
Achievement of branch disbursement and deposit mobilisation targets.
Loan repayment and recovery performance.
Reduction in portfolio at risk and delinquency.
Customer acquisition and retention.
Branch profitability and operational efficiency.
Staff productivity and performance.
Compliance with company policies and procedures.
Qualifications and Requirements
Bachelor's degree or HND in Business Administration, Accounting, Banking and Finance, Economics, or any relevant discipline.
3–5 years' relevant experience in microfinance banking, banking, lending, or financial services.
At least 2 years' experience in a supervisory or managerial position.
Strong knowledge of credit administration, loan recovery, and portfolio management.
Proven ability to drive business growth and achieve financial targets.
Excellent leadership, communication, negotiation, and interpersonal skills.
Good analytical, problem-solving, and decision-making abilities.
Proficiency in Microsoft Office applications and familiarity with financial management systems.
High level of integrity, accountability, and attention to detail.