Branch Managers

Responsibilities

Business Growth and Performance

• Prepare and execute the branch plan, budget and targets, aligned to the institution’s strategy.
  
• Expand the customer base, deposit book, loan portfolio and fee income through active selling and relationship management.
  
• Tap opportunities in the retail, SME and agent banking segments within the branch’s catchment area.
  
• Track profitability, control expenses and report results against targets.
  
• Encourage customers to adopt mobile, online and agent channels.
  

Branch Operations

• Run daily branch activities, including opening and closing routines, cash handling and vault controls.
  
• Ensure transactions are accurate and completed within service timelines.
  
• Protect staff, customers, cash and premises, and maintain workable business continuity plans.
  
• Make sure ATMs, systems and equipment are working, and follow up quickly on outages.
  
• Keep the branch clean, professional and welcoming, in line with brand standards.
  

Credit Management

• Source, assess and recommend lending proposals within approved limits and credit policy.
  
• Monitor portfolio quality, confirm complete documentation and security registration, and chase overdue accounts.
  
• Assist in recoveries and keep non-performing loans at acceptable levels.
  

Risk, Compliance and Control

• Comply with banking legislation, regulatory guidelines and internal policies.
  
• Apply KYC, anti-money laundering and counter-terrorism financing requirements, and report suspicious transactions through the correct channels.
  
• Maintain robust controls to prevent fraud, errors and losses.
  
• Resolve audit, risk and compliance issues promptly and satisfactorily.
  
• Protect customer information in line with data protection law and information security policy.
  

Customer Service

• Promote a customer-first culture and consistent service standards.
  
• Handle escalated complaints fairly and on time.
  
• Cultivate relationships with key clients, businesses, institutions and other stakeholders.
  
• Drive customer retention and cross-selling.
  

People Leadership

• Coach and motivate the team, set clear performance goals, and carry out regular appraisals and feedback.
  
• Identify training needs, plan for succession and strengthen team capability.
  
• Build an ethical, inclusive workplace and manage discipline in line with HR policy and employment law.
  
• Maintain adequate staffing and cover so service continues uninterrupted.
  

Community and Stakeholder Engagement

• Represent the institution before the community, local government, authorities and business groups.
  
• Take part in corporate social responsibility and brand-building activities.
  
• Maintain good working relations with security agencies and local partners to support branch safety.
  

Other Requirements

Education

• A bachelor’s degree in a business-related discipline (e.g. banking and finance, business administration, commerce, economics, accounting) from a recognised university.
  
• A master’s degree (e.g. MBA) and/or professional credentials (e.g. CPA, ACCA, CFA, Chartered Banker) is an added advantage.
  

Experience

• At least 5 years in banking or a similar financial institution, including a minimum of 2 years in a supervisory or branch management position.
  
• Hands-on experience in credit, sales and relationship management.
  
• A proven record of achieving targets and leading teams.
  

Skills and Abilities

• Strong grasp of banking operations, products, credit and risk management
  
• Credit appraisal and financial analysis
  
• Sales, marketing and business development
  
• Knowledge of the regulatory environment, including AML/CFT
  
• Leadership, coaching and people management
  
• Communication, negotiation and presentation
  
• Problem-solving and sound decision-making
  
• Competence in banking systems and Microsoft Office
  
• Ability to engage diverse customers and communities
  

Responsibilities

Business Growth and Performance

• Prepare and execute the branch plan, budget and targets, aligned to the institution’s strategy.
  
• Expand the customer base, deposit book, loan portfolio and fee income through active selling and relationship management.
  
• Tap opportunities in the retail, SME and agent banking segments within the branch’s catchment area.
  
• Track profitability, control expenses and report results against targets.
  
• Encourage customers to adopt mobile, online and agent channels.
  

Branch Operations

• Run daily branch activities, including opening and closing routines, cash handling and vault controls.
  
• Ensure transactions are accurate and completed within service timelines.
  
• Protect staff, customers, cash and premises, and maintain workable business continuity plans.
  
• Make sure ATMs, systems and equipment are working, and follow up quickly on outages.
  
• Keep the branch clean, professional and welcoming, in line with brand standards.
  

Credit Management

• Source, assess and recommend lending proposals within approved limits and credit policy.
  
• Monitor portfolio quality, confirm complete documentation and security registration, and chase overdue accounts.
  
• Assist in recoveries and keep non-performing loans at acceptable levels.
  

Risk, Compliance and Control

• Comply with banking legislation, regulatory guidelines and internal policies.
  
• Apply KYC, anti-money laundering and counter-terrorism financing requirements, and report suspicious transactions through the correct channels.
  
• Maintain robust controls to prevent fraud, errors and losses.
  
• Resolve audit, risk and compliance issues promptly and satisfactorily.
  
• Protect customer information in line with data protection law and information security policy.
  

Customer Service

• Promote a customer-first culture and consistent service standards.
  
• Handle escalated complaints fairly and on time.
  
• Cultivate relationships with key clients, businesses, institutions and other stakeholders.
  
• Drive customer retention and cross-selling.
  

People Leadership

• Coach and motivate the team, set clear performance goals, and carry out regular appraisals and feedback.
  
• Identify training needs, plan for succession and strengthen team capability.
  
• Build an ethical, inclusive workplace and manage discipline in line with HR policy and employment law.
  
• Maintain adequate staffing and cover so service continues uninterrupted.
  

Community and Stakeholder Engagement

• Represent the institution before the community, local government, authorities and business groups.
  
• Take part in corporate social responsibility and brand-building activities.
  
• Maintain good working relations with security agencies and local partners to support branch safety.
  

Other Requirements

Education

• A bachelor’s degree in a business-related discipline (e.g. banking and finance, business administration, commerce, economics, accounting) from a recognised university.
  
• A master’s degree (e.g. MBA) and/or professional credentials (e.g. CPA, ACCA, CFA, Chartered Banker) is an added advantage.
  

Experience

• At least 5 years in banking or a similar financial institution, including a minimum of 2 years in a supervisory or branch management position.
  
• Hands-on experience in credit, sales and relationship management.
  
• A proven record of achieving targets and leading teams.
  

Skills and Abilities

• Strong grasp of banking operations, products, credit and risk management
  
• Credit appraisal and financial analysis
  
• Sales, marketing and business development
  
• Knowledge of the regulatory environment, including AML/CFT
  
• Leadership, coaching and people management
  
• Communication, negotiation and presentation
  
• Problem-solving and sound decision-making
  
• Competence in banking systems and Microsoft Office
  
• Ability to engage diverse customers and communities