The office is expected to provide effective leadership and oversight of branch operations to ensure efficient service delivery, business growth, and regulatory compliance. He/she will drive deposit mobilization, loan portfolio growth, member recruitment and retention, and increased uptake of ICT products, while maintaining asset quality, improving customer satisfaction, and ensuring cost-effective branch performance in support of the Society’s strategic objectives.

REPORTING: The Position reports to the Head of Operations and Customer Care

KEY TASKS AND RESPONSIBILITIES/DUTIES

BUSINESS GROWTH FUNCTION:

• Responsible for growing customer base; consumer and business relationships through internal and external marketing programs
• Maintain good public relations with customers and the community
• Manage and lead the branch team in achieving business growth as per the set branch business targets in accordance with the Tai SACCO Strategic Plan

FINANCIAL RESPONSIBILITY

• Responsible for budget planning and cost management; Continuous evaluation of branch financial performance against budgets/strategic plan and taking remedial actions where necessary
• Tasked with monitoring the loan portfolio quality on daily basis and proactively institute remedial actions
• Preparation of quarterly branch economic reports
• Ensure there is adequate portfolio balance

ADMINISTRATION OF THE BRANCH

• Manage the daily affairs of the branch in a competent manner
• Comply with all the departmental and SACCO policies, procedures and regulations
• To see to it that all internal controls arrangements are followed to the latter.
• Comply with the regulatory frameworks governing the SACCO

CORPORATE GOVERNACE:

• Responsible for good corporate governance through monitoring and ensuring 100% compliance to all the Tai SACCO and regulators policies, processes, procedures and other internal controls.
• Ensuring all branch licenses are renewed appropriately and well displayed.
• Responsible for routine audit at the branch level to ensure compliance with established controls
• Ensuring compliance with Anti money laundering ACT
• Conducting branch Staff meetings and keeping records of the same
• Ensuring all communications to and from the branch are acted on timely
• Custodian of all customer collaterals/assets and other accountable documents

CUSTOMER SERVICE

• Provide superior level of customer relationship management and promote positive attitude and service culture through coaching, guidance and staff motivation;
• Initiate, nurture and ensure profitable business relationship and partnerships with the members, community and government agencies.

MANAGEMENT OF THE BRANCH HUMAN RESOURCES

• Implementation of HR Policies at the Branch level
• Direct and supervise all staff at the Branch
• Develop staff regarding service expectations, policies, procedures, products, systems and banking transactions
• Development of a high performing team at branch level through training, mentorship, and special assignments
• Perform half yearly Performance Management Appraisals with the assistance of the HR
• Maintain staff schedules to provide adequate coverage at all times
• Effective performance appraisal and career development by training, coaching providing feedback and integrating reward systems.
• Any other role/duty allocated by the supervisor

KNOWLEDGE AND SKILLS

• Analytical Skills/Good presentation skills
• Business Strategy Implementation skills
• People skills/Marketing Skills
• Customer care skills
• Extensive knowledge of SACCO operations, Banking theory and practice, Central Bank’s and SASRA rules and regulations and procedures