We are the world’s largest international development organisation, dedicated to empowering people living in poverty. If you were to describe this world to a child, which one of the following would you pick? It is home to magic, art, beauty, and tens of thousands of years of human talent. Or you would, even though it may be true, that our world is where we live, but it is a place that doesn’t work for everyone? Our world is our playground, a platform for the creativity of all seven billion of us. Sometimes it’s hard to believe that a world that works for all of us can be possible. But the opportunities are all around us. While we all hope for a better future for our world, many of us are building it. If you are a builder, we are betting on you. The changemaker. The activist. The hero. The mentor. 45 years ago, we started building a world we all want to live in. We started in Bangladesh. We listened and learnt, failed and got up again. We never stopped trying. And we never will. We trust in people, and we take on the impossible, every day. Fighting poverty, building platforms for tolerance, equality and inclusion, saying no to violence against women and children. We pilot, perfect and scale. Our DNA is to build. As the sun rose this morning, hundreds of thousands of builders rose with it. Teachers across eight countries opened the colourful doors of the world’s biggest secular private education system. 65,000 artisans picked up their needles and stated weaving traditional art into beautiful clothing. Credit officers in one of the world’s largest microfinance institutions sat down with women in the remotest corners of seven countries. Whoever you are, whatever you are. Doing good is everyone’s business. We have never faced bigger challenges but we have never been more ready.Job Purpose The Area Manager Trainee (AMT) is a field operations role within BRAC Kenya Company Limited (BKCL), designed to develop future Area Managers capable of overseeing a cluster of branches and supporting the effective implementation of BKCL’s credit operations. BKCL operates through both Group Lending and Individual Lending methodologies. Candidates may be recruited under one AMT position, but once selected, each AMT will be assigned to either the Group Lending or Individual Lending stream, based on BKCL’s operational needs, candidate experience, and business requirements. Over a structured traineeship period, the AMT will shadow and support the Regional Manager (RM) in branch performance monitoring, business planning, portfolio quality management, risk and compliance follow-up, team guidance, and stakeholder engagement within the assigned lending methodology. For Group Lending, the AMT will work closely with Branch Managers (BMs) and Client Relationship Officer (CROs) on group formation, group meetings, collections, client follow-up, and group-level portfolio discipline. For Individual Lending, the AMT will focus on individual client assessment, business verification, loan monitoring, repayment follow-up, and individual portfolio quality. During the traineeship, the AMT will not have full line-management authority over Branch Managers or CROs but will support the Regional Manager in providing operational guidance, identifying performance gaps, and following up on agreed action points. Confirmation as Area Manager will be subject to satisfactory performance assessment. Key Responsibilities: Area and Branch Operations Shadow and support the RM in overseeing assigned branches within the AMT’s assigned lending methodology: Group Lending or Individual Lending. Support the RM in monitoring branch performance against outreach, disbursement, collection, portfolio quality, client retention, and operational targets. Assist in reviewing branch-wise plans and following up with BMs on progress, gaps, and agreed corrective actions. Support dissemination of operational updates, process changes, and policy instructions to BMs, CROs, and other branch staff. Participate in area and branch meetings, contributing to discussions on performance, operational challenges, risk issues, and business priorities. Learn and apply BKCL’s lending policies, client protection standards, safeguarding requirements, and operational procedures within the assigned lending methodology.  Field Supervision and Branch Visits Accompany the RM and BMs during branch and field visits to observe field operations, client engagement, portfolio follow-up, and compliance with procedures. Support the use of branch visit checklists and inspection protocols, including review of loan documentation, client records, field registers, and operational reports. For Group Lending AMTs, observe group formation activities, group meetings, collections, client follow-up, member discipline, and CRO field practices. For Individual Lending AMTs, observe individual client assessment, business verification, loan appraisal, loan utilisation checks, repayment follow-up, and individual portfolio monitoring. Support the RM in identifying operational gaps, portfolio risks, process deviations, and staff capability gaps during branch and field visits. Follow up with BMs and CROs on agreed action points arising from branch visits, portfolio reviews, audit findings, or operational meetings. Working Relationship with BMs and CROs Work closely with BMs to understand branch-level planning, staff deployment, target management, field supervision, and portfolio quality management. Support the RM in reviewing BM performance against branch targets, operational standards, and risk indicators. Engage with CROs through branch and field activities to understand client mobilisation, loan processing, collections, repayment follow-up, and client relationship management. For Group Lending, support the RM and BM in reviewing CRO performance in group formation, meeting discipline, client follow-up, collection performance, and group-level portfolio quality. For Individual Lending, support the RM and BM in reviewing CRO performance in client assessment, business verification, loan monitoring, repayment follow-up, and individual portfolio quality. Provide field-level observations and feedback to the RM on BM and CRO performance, while recognising that formal supervision and decision-making authority remain with the RM during the traineeship. Support the RM and BM in identifying CRO coaching needs and following up on agreed improvement actions. Business Planning and Target Management Support the RM in preparing and reviewing branch-wise business plans, outreach plans, and performance targets. Assist in communicating monthly and weekly targets to branch teams and monitoring execution against agreed plans. Analyse branch and area-level performance data to identify trends, risks, and areas requiring management attention. Support competitor and market monitoring activities to understand local market dynamics and inform business planning. Assist in preparing area-level plans, budgets, and performance submissions as required. Portfolio Quality, Risk, and Compliance Support monitoring of portfolio quality across assigned branches, including arrears, overdue follow-up, loan utilisation, client selection, and repayment discipline. Learn to identify early warning signs of credit risk, operational risk, fraud, malpractice, or process weaknesses. Support follow-up on audit, monitoring, risk, and compliance findings to ensure timely resolution. Assist in ensuring that branch teams comply with BKCL’s credit policies, approval processes, documentation standards, and client protection requirements. Escalate material risks, irregularities, or safeguarding concerns to the RM or relevant authority in line with BKCL procedures. Team Leadership and Staff Development Support Shadow the RM in guiding, coaching, and supporting BMs and CROs. Observe how staff performance, capability gaps, grievances, and operational challenges are addressed at area level. Support the RM in identifying training and coaching needs among BMs, CROs, and other branch staff. Learn how to manage responsibility handovers, staff transitions, and branch-level continuity. Progressively take on selected area-level support responsibilities as assessed appropriate by the RM during the traineeship. Reporting, Financial Administration, and Documentation Support preparation of branch visit reports, area-level performance reports, and portfolio review summaries. Assist in reviewing operational and financial data to identify performance trends, cost issues, and areas for corrective action. Observe and support coordination of branch cash flow requirements, including withdrawals, deposits, and operational cash needs, in collaboration with the accounts team. Assist in ensuring that records, registers, loan files, reports, and operational documents are properly maintained at branch and area level. Support special assignments, systems implementation, process improvement initiatives, and other operational projects as required. Safeguarding Responsibilities Read, understand, and comply with BKCL’s safeguarding policy, client protection standards, and code of conduct. Promote respectful, fair, and dignified treatment of clients, staff, and community members in all field activities. Ensure financial and client interactions are conducted in a manner that protects vulnerable individuals and upholds BKCL’s values. Immediately report safeguarding concerns, client protection issues, or reportable incidents through the appropriate channels. Encourage colleagues to adhere to safeguarding, client protection, and ethical conduct requirements. Educational & Experience Requirements: Minimum Bachelor’s degree in Business Administration, Finance, Banking, Economics, Development Studies, Commerce, or a related field. At least 5 years of relevant professional experience, preferably in microfinance, banking, financial services, branch operations, or field operations. Experience with a financial services company will be an added advantage Required Competencies: Sound understanding of credit operations, field operations, and branch-level portfolio management. Understanding of microfinance lending methodologies, with the ability to apply either Group Lending or Individual Lending principles based on assigned stream. Strong analytical skills, with the ability to interpret branch and area-level portfolio data, identify trends, and recommend corrective actions. Good understanding of credit risk, operational risk, internal controls, and client protection principles. Ability to work closely with field operations teams and other relevant stakeholders in a professional and collaborative manner. Strong field supervision skills, including the ability to observe field activities, identify gaps, and provide practical feedback through the appropriate reporting line. Strong communication and interpersonal skills, with the ability to engage effectively with staff, clients, local authorities, and community stakeholders. Ability to manage competing priorities across multiple branches and work effectively under pressure. Good planning and organisational skills, with attention to follow-up, documentation, and timely reporting. Proficiency in Microsoft Word, Excel, and internet-based tools. High level of integrity, professional conduct, sound judgement, and respect for confidentiality. Commitment to BKCL’s mission, values, safeguarding standards, and client protection principles.