Qualifications & Competencies

• Diploma or degree in Finance, Business Administration, Economics, or related field.

• Minimum 3 years’ experience in microfinance or retail banking operations.

• Strong leadership, coaching, and team-building experience.

• Excellent communication, organizational and reporting skills.

• Sound knowledge of credit operations, compliance, and financial services.

• Experience in managing fraud prevention, audit compliance, and internal controls.

• Ability to manage change, drive innovation, and navigate challenges with resilience.

• Tech-savvy and open to digital transformation initiatives.

• Demonstrated commitment to ethical leadership, integrity, and inclusion.

Credit Risk & Operational Compliance   

• Implements policies, procedures, and internal controls at the branch

• Oversee accurate client assessments, credit appraisals, and loan approvals.

• Conduct regular credit committee meetings and loan quality reviews.

• Monitor field activities, delinquency trends, and enforce early recovery strategies.

• Ensure adherence to regulatory and institutional policies including Know Your Customer   (KYC), Anti-Money Laundering (AML), and data privacy.

• Prepare for internal and external audits; close 85% of issues within 90 days           

Branch staff Supervision &Development             

•  Planning the Branch staffing and Evaluating existing staff in accordance with management decisions/directions;

•  Ensures that the branch staff maintains very high morale, and identifies capacity building/training needs.

•  Undertakes periodic performance appraisals and staff development plans.

•  Conduct regular coaching, performance reviews, and productivity assessments for staff.

•  Identify and mentor at least one high-potential team member per year.

•  Implement action plans from “Our Voice” staff engagement surveys.

•  Support staff wellness, disciplinary procedures, and HR compliance.

•  Achieve staff retention rate of 90% or higher.

Financial Performance & Growth            

• Achieve branch disbursement, client acquisition, collection, and profitability targets.

• Maintain Portfolio at Risk (PAR > 1 day) below 5% and ensure write-offs are minimized.

• Lead local business development initiatives, including marketing and community outreach.

• Promote financial inclusion by growing new clients and retaining at least 90% of existing ones.

• Ensure timely turnaround for loan applications and approvals to maintain efficiency.       

Digital Tools Utilization 

• Ensure full usage of the core banking system, digital field applications, and MIS platforms.

• Monitor loan origination, disbursement, and collections through system dashboards.

• Train staff and clients on using digital channels to enhance efficiency and access.          

• Branch efficiency and awareness of digital platforms

Planning  

• Develop the branch business plan and annual work plans and submit the plan for further deliberations at the wider Operations team

• Proposes adjustments to the branch business plan and initiates proactive approaches for branch growth.

• Maintain strong relationships with clients, local leaders, faith institutions, and strategic partners.

• Support implementation of partnerships and ensure compliance with MOU deliverables.

• Represent the branch in community events and institutional forums as required.

Sales &Marketing           

• Submit timely and accurate weekly, monthly, and quarterly branch reports.

• Monitor market trends and provide intelligence on customer behavior, competition, and product relevance

• “Champions” the branch expansion in new markets within the branch’s area of coverage;

• Implements a customer-driven branch approach

• Proposing and facilitating market research and survey activities

• Sales Empowerment to branch staff.      

• Customer Experience & Responsible Lending, Reporting and communication 

• Uphold client protection principles and Safeguarding Protocols in all client interactions.

• Organize and oversee client trainings in financial literacy and responsible borrowing.

• Implement Empowered Worldview (EWV) and group engagement sessions to build loyalty and impact

• Works with other management members of VisionFund Kenya MFI; 

• Requests and submits readily performance and financial reports

• Attends monthly Relationship Managers meetings, engages in team problem-solving, and works together on overlapping tasks.

• Provides backup support to the other branches and head office as needed

• Communicate with staff on organizational changes