Branch Manager

Job Summary

The Branch Manager directs business growth, loan portfolio quality, and operational compliance at VisionFund's Kabarore branch. This manager oversees client growth, controls loan delinquency, verifies transactions, manages budgets, executes community sensitization campaigns, and leads local staff while spending up to 70% of time in the field.

Key Roles & Operational Responsibilities

1. Branch Growth & Portfolio Performance (50% Weighting)

• Client & Portfolio Expansion: Drive net client acquisition, deposit growth, and loan portfolio volume in line with approved budget targets.
• Delinquency Management: Champion loan default mitigation strategies, conducting regular portfolio audits, monitoring repayment schedules, and resolving non-performing loans (PAR).
• Marketing & Business Development: Execute monthly community sensitization campaigns, business development initiatives, local radio appearances, and stakeholder meetings across the Kabarore region.

2. Operational Control, Verification & Reporting

• Transaction Verification: Verify and authorize daily branch transactions including petty cash, mobile banking transfers, loan disbursements, and insurance processing.
• Reporting Compliance: Submit timely, error-free financial and operational reports to headquarters (including reporting on Orphans and Vulnerable Children [OVC] and Area Programs [AP]).
• Budgetary Management: Oversee branch operational expenses, ensuring zero budget overshoots and strict resource allocation.

3. Risk Management, Audit Compliance & Leadership

• Audit & Risk Control: Enforce internal policies, insurance limits, and procedure compliance to maintain a "Low" branch risk rating and implement >66% of audit recommendations.
• Team Leadership & Values: Supervise, mentor, and coach branch staff, leading daily team devotions and embodying World Vision/VisionFund core values.

Foundational Capabilities & Prerequisites

Required Technical Profile & Qualifications

• Educational Baseline: University Bachelor's degree in Economics, Accounting, Business Administration, or a related discipline.
• Professional Track Record: Minimum four (4) years of progressive operational experience in a microfinance institution (MFI) or retail banking branch.
• Financial Management: Proficiency in budget planning, basic accounting, and Microsoft Office applications (Excel, Word).
• Language & Communication: Exceptional interpersonal, coaching, and marketing skills with fluent local and professional language capabilities.
• Field Readiness: Physical ability and willingness to spend up to 70% of working time in the field visiting clients, savings groups, and local stakeholders.

Preferred Attributes & Core Values

• Knowledge of savings groups functionality and rural microfinance methodologies is a distinct advantage.
• Committed Christian able to lead daily staff devotions and stand above denominational diversities.

What VisionFund Offers

• Faith-Informed Purpose: Opportunity to contribute directly to transforming the life stories of vulnerable children and families in rural Rwanda.
• Global MFI Network: Integration into World Vision’s international microfinance network operating across nearly 100 countries.
• Professional Advancement: Continuous leadership development, MFI management training, and career growth pathways.

Skills Required:

• Accounting / Finance
• Economics / Statistics
• Sales / Marketing / Business / Management