Summary
Date Posted: Tuesday, September 27, 2022 , Base Salary: Not Disclosed

JOB DETAILS:
Purpose of the position:
• Leads the Branch team in Christian Values and norms by leading and championing daily devotions.
• To ensure an efficient financial and integration performance of the branch.
• To exchange information with the Regional Manager, Credit Supervisor and other branches, and ensuring an adequate information flow within the branch.
• To market the products and services of VFU.

Key responsibilities and weighting (adds to 100%)
Key tasks & outputs Indicators
1. Branch Growth & Profitability ( Branch business growth): Lead all effort at
Branch level to grow quality loan portfolio through enhancing sales, keeping up to date with changes and developments in the branch’s local market, preparation of branch business development plan, as well as service standards so as to efficiently acquire, manage and retain customers.
(Max weight 20%)
• Supervises the day-to-day branch operations through the Branch staff to ensure that the targets set and agreed upon are met;
• Coordinates with the Regional Manager &
Finance department to make sure that there is appropriate branch liquidity management;
• Coordinates with the Regional Manager & HR department in staff planning of the branches in the region;
• Consults with the MIS/IT department any monitoring or reporting related issues, and resolves the issues at the soonest time possible;
• Recommends to the Regional Manager & top management any proposed major changes on branch offices or infrastructures, such as relocation, renovation, etc.;
• Champions integration with World
Vision Area Programs
• Exchanges information with the Regional
Manager, COO, other departments and secures an adequate information flow within the branch;
• Champions the efforts in managing loan delinquency by closely monitoring the
Credit Supervisor & Credit officers and ensuring strict compliance to the delinquency management framework, all policies and procedures;
• Number of clients as per budget
• Outstanding Principal as per budget
• Number of loans disbursed as per budget
• Amount of Loans
Disbursed as per budget
• OSS >100%
• Client Retention
Rate>75%
• Client dropout rate <20%
• C: I ratio <75%
• Number of integration meetings held in a month
• Par 1 day <=5%
• Par 30+ days <=3%
• 12 Months Loan Loss
Rate <2%
• >75% recovery of written off loans
• OCR > 50%
2. Reporting: Undertakes day- to- day • Ensure effective reporting on branch • Daily/Weekly/Monthly
Contract Position Description - (Branch Manager)
Reporting on all branch administrative and business growth aspects to the respective stakeholders. Reports on sales growth, customer service, client relationship management, product performance, teller incidents (Shortages & overages), non- compliances to internal processes, staff adherence to attendances, KYC among others.
(Max weight 8%)
Performance as required (Sales growth, teller incidences, account reports, loan portfolio reports), staff & client fraud
• Report back to office reports daily
• Number of spot checks done on delinquent loans and loans due for write off.
• Portfolio acceptance reports and handover reports submitted in time.
3. Verification of branch transactions (petty cash, teller cash, and vault cash/mobile money, loan disbursements, insurance limits etc).
(Max weight 8%)
• On time capturing, authorization (clearing) of data.
• Timely correction of errors.
• No cash shortages/overages.
• Compliance to insurance limits.
• Good audit rating
4. Management of Vault: Together with
Branch Assistants and in the exercise of dual control standards, takes charge of vault in terms of cash in and cash out, balancing vault, over all cash custody in compliance to internal control processes and procedures of VFU.
(Max weight 8%)
• Ensure effective management of branch Vault
• Zero tolerance to non- compliance/breach in process flows
• Zero Audit repeat findings
5. Embedding service: Drives a customer centric culture at the branch focusing on providing a high quality customer experience through: Creation of warm & welcoming environment, building strong network of relationships, monitoring service provider service level agreements for all branch works and treatment of all customers fairly in accordance with the financial consumer protection guidelines.
(Max weight 8%)
• Ensure effective and efficient customer service within the branch
• Customer issues response turnaround time
(1 day to 3 days maximum)
• Zero cases of customer complaints
• 100% compliance as per service level Agreements
6. Risk & Controls Management: Maintains a culture that emphasizes the importance of a sound risk and control environment by ensuring adherence to Credit policies and procedures at all times at the branch (i.e. in operations, cash management, and customer service) and implementing measures aimed at guaranteeing an effective and efficient branch
(Max weight 8%)
Oversees the implementation of the internal control systems, ensuring the smooth running of the business and safeguarding the institution’s assets;
Follow-ups with the concerned Branches as recommended by the audit findings.
Ensure effective branch risk and controls management by adhering to policies and procedures
• Zero tolerance to non- compliance
• Zero Audit repeat findings
Contract Position Description - (Branch Manager)
7. Chair of Branch Credit committee:
Responsible for appraising branch loans
(Credit committee) that are below 5M and escalating those above 5M to Regional and
Head Office credit committees in accordance with VFU credit policies and procedures.
(Max weight 8%)
• Ensure effective loan appraisal process at the branch
• Manage loan portfolio quality
• Zero tolerance to non- compliance to credit policies and procedures
8. Branch Budget Management: Participates in budgeting for the branch in terms of operations, customer service, employees, administration and sales. Also monitors branch budget through enhancing budget efficiencies by way of budget adherence and cost containment practices at respective branch.
(Max weight 8%)
• Contain Branch related costs within approved budget
• All approvals as per budget
9. Team supervision: Takes full responsibility for guiding of all direct reports, focusing on all aspects of sound people management e.g. Coaching, On-the-job training,
Development, Performance Management, compliance to set standards and Employee engagement.
(Max weight 8%)
• Leading and Supervising Devotions.
• Departmental staff have JDs, KPIs & targets.
• People management, Leave, training, careers
• Attendance & time management.
• Our Promise career conversations are held as per the guidelines.
• All staff having working tools
• Attendance management.
• Compliance to leave, training and career path.
• Employee engagement score above 85%
10. Any other duties as may be assigned from time to time
Creativity and initiative in duties assigned Process improvement
Core Capabilities: (proficiency levels; 1=developing 2 =proficient 3=advanced)
Core Capability Proficiency level
Examples of advanced proficiencies
(A full list of indicators available in Core
Capabilities into Job Descriptions – A Manager’s Guide)
Achieving Capabilities
Achieving quality results and service 2 3
• Delivers a high quality and high performing branch operation
• Stays committed to the outcomes despite obstacles
• Clarifies the goals and purpose of work

Core Capability Proficiency level
Examples of advanced proficiencies
(A full list of indicators available in Core
Capabilities into Job Descriptions – A Manager’s Guide)
Understanding the humanitarian and MFI industry
2 1 • Leads and adapts to changes in VF MFI
• Identifies relationship between cause, effect and the big picture
• Understands how trends will impact the business
Understanding WV’s mission & operations
Self-managing Capabilities
Demonstrating Christ-centered life and work
• Continually seeking improvement in themselves and their branch staff
• Stays focused despite pressure
• Seeks spiritual growth for self and others
• Maintains reasonable balance in work, life and relationship
Relational Capabilities
• Effectively builds strong links with WV staff
• Treat others equally with honor and respect.
• Builds a strong team
• Uses different styles to impact different people
Other Competencies/Attributes:
• A committed Christian, able to stand above denominational diversities.
• Able to lead and participate in the leadership of daily devotions.
• Perform other duties as required by the board or the owners.

Qualifications: Knowledge and Technical Skills:
The following may be acquired through a combination of formal or self-education, prior experience or on-the-job training:
• University Degree in Economics, Accounting, Business Administration;
• Related experience of at least 3 years an advantage (e.g. Working as a loan officer, Credit Supervisor)
• Must have the ability to lead teams and deliver branch targets.
• Must have demonstrated maturity and self-driven.
• Must be creative and quick at making sound decisions that will grow the Branch.
Contract Position Description - (Branch Manager)
• Determined personality with initiative, perseverance and the ability to motivate and manage a team
• Capability and willingness to take responsibility and highly developed sense of rectitude
• Ready to comply and live up to and in accordance with the organization Ideals and Core Values
• Be proficient in Microsoft office applications
• Able to plan and manage finances, including a basic understanding of accounting.
• Be a good trainer, facilitator, mentor, and coach
• Very good communication and marketing skills
Working Environment / Conditions:
• Office environment: typical office based with frequent field visits of up to 70% (choose one or combination)
• Travel: 95% Domestic/ with a possibility of 5% international travel.
• On call: (in the after normal working hours?) 100% • Client Retention Rate>75% • Client dropout rate <20% • C: I ratio <75% • Number of integration meetings held in a month • Par 1 day <=5% • Par 30+ days <=3% • 12 Months Loan Loss Rate <2% • >75% recovery of written off loans • OCR > 50% 2. Reporting: Undertakes day- to- day • Ensure effective reporting on branch • Daily/Weekly/Monthly Contract Position Description - (Branch Manager) Reporting on all branch administrative and business growth aspects to the respective stakeholders. Reports on sales growth, customer service, client relationship management, product performance, teller incidents (Shortages & overages), non- compliances to internal processes, staff adherence to attendances, KYC among others. (Max weight 8%) Performance as required (Sales growth, teller incidences, account reports, loan portfolio reports), staff & client fraud • Report back to office reports daily • Number of spot checks done on delinquent loans and loans due for write off. • Portfolio acceptance reports and handover reports submitted in time. 3. Verification of branch transactions (petty cash, teller cash, and vault cash/mobile money, loan disbursements, insurance limits etc). (Max weight 8%) • On time capturing, authorization (clearing) of data. • Timely correction of errors. • No cash shortages/overages. • Compliance to insurance limits. • Good audit rating 4. Management of Vault: Together with Branch Assistants and in the exercise of dual control standards, takes charge of vault in terms of cash in and cash out, balancing vault, over all cash custody in compliance to internal control processes and procedures of VFU. (Max weight 8%) • Ensure effective management of branch Vault • Zero tolerance to non- compliance/breach in process flows • Zero Audit repeat findings 5. Embedding service: Drives a customer centric culture at the branch focusing on providing a high quality customer experience through: Creation of warm & welcoming environment, building strong network of relationships, monitoring service provider service level agreements for all branch works and treatment of all customers fairly in accordance with the financial consumer protection guidelines. (Max weight 8%) • Ensure effective and efficient customer service within the branch • Customer issues response turnaround time (1 day to 3 days maximum) • Zero cases of customer complaints • 100% compliance as per service level Agreements 6. Risk & Controls Management: Maintains a culture that emphasizes the importance of a sound risk and control environment by ensuring adherence to Credit policies and procedures at all times at the branch (i.e. in operations, cash management, and customer service) and implementing measures aimed at guaranteeing an effective and efficient branch (Max weight 8%) Oversees the implementation of the internal control systems, ensuring the smooth running of the business and safeguarding the institution’s assets; Follow-ups with the concerned Branches as recommended by the audit findings. Ensure effective branch risk and controls management by adhering to policies and procedures • Zero tolerance to non- compliance • Zero Audit repeat findings Contract Position Description - (Branch Manager) 7. Chair of Branch Credit committee: Responsible for appraising branch loans (Credit committee) that are below 5M and escalating those above 5M to Regional and Head Office credit committees in accordance with VFU credit policies and procedures. (Max weight 8%) • Ensure effective loan appraisal process at the branch • Manage loan portfolio quality • Zero tolerance to non- compliance to credit policies and procedures 8. Branch Budget Management: Participates in budgeting for the branch in terms of operations, customer service, employees, administration and sales. Also monitors branch budget through enhancing budget efficiencies by way of budget adherence and cost containment practices at respective branch. (Max weight 8%) • Contain Branch related costs within approved budget • All approvals as per budget 9. Team supervision: Takes full responsibility for guiding of all direct reports, focusing on all aspects of sound people management e.g. Coaching, On-the-job training, Development, Performance Management, compliance to set standards and Employee engagement. (Max weight 8%) • Leading and Supervising Devotions. • Departmental staff have JDs, KPIs & targets. • People management, Leave, training, careers • Attendance & time management. • Our Promise career conversations are held as per the guidelines. • All staff having working tools • Attendance management. • Compliance to leave, training and career path. • Employee engagement score above 85% 10. Any other duties as may be assigned from time to time Creativity and initiative in duties assigned Process improvement Core Capabilities: (proficiency levels; 1=developing 2 =proficient 3=advanced) Core Capability Proficiency level Examples of advanced proficiencies (A full list of indicators available in Core Capabilities into Job Descriptions – A Manager’s Guide) Achieving Capabilities Achieving quality results and service 2 3 • Delivers a high quality and high performing branch operation • Stays committed to the outcomes despite obstacles • Clarifies the goals and purpose of work">

Work Hours: 8

Experience in Months: 36

Level of Education: Bachelor Degree

Job application procedure
We are seeking additional experienced, self-driven, result-oriented talent with proven integrity to fill the following roles. Send your resume and academic qualifications to vfu_info@visionfund.org  before Thursday, 29th September 2022.

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