Branch Manager at Credpal Limited

Credpal is an innovative solution that seeks to combat the ever complex loan approval process that has deterred millions from achieving specific goals over the years. We believe quality of life can be drastically improved if individuals can easily make purchases and pay overtime at their convenience with reduced or no financial pressure, while also increasing their purchasing capabilities.

We are recruiting to fill the position below:

Job Title: Branch Manager

Location: Kano

Job Summary

• We are looking for a seasoned Branch Manager who is conversant with the commercial terrain, market peculiarities, and geography of Kano state and environs.
• The successful candidate will be responsible for leading our team in Kano to achieve business objectives, expand our customer base, and ensure excellent customer service.
• The candidate will also be responsible for the development, supervision, and implementation of all business activities in the bank, this includes and is not limited to leading our team in Kano to achieve business objectives, expand our customer base, and ensure excellent customer service.
• The Branch Manager will design and implement strategic plans to drive sales targets and revenue in line with budgetary projections.

Key Responsibilities

Business Growth and Development:

• Develop and implement strategies to drive business growth and increase market share in Kano and surrounding areas.
• Identify and develop new business opportunities, including partnerships and collaborations.
• Drive branch revenue targets by effectively deploying branch resources to achieve top-line and bottom-line growth.
• Own, drive, and achieve individual and branch volume targets including deposit mobilisation and loan disbursement.

Leadership and Team Management:

• Hire, manage and lead a team of sales executives to achieve sales targets and maintain high-quality business standards.
• Develop and nurture a high-performing team by implementing a robust staff development program that includes regular appraisals, training initiatives, and continuous feedback, to drive growth and excellence.
• Maintain a high level of product knowledge and overall business competence among branch staff.

Risk Management and Compliance:

• Ensure compliance with regulatory requirements, internal policies, and risk management standards.
• Employing effective risk management practices to proactively identify and assess possible risks, working to mitigate and reduce the potential exposure.
• Ensure strict adherence to legal and internal control policies and Code of Banking and other practices.
• Ensure sound credit decision-making and a healthy loan portfolio.

Customer Focus:

• To ensure that customers are properly managed with best customer experience practices.
• To identify and maximize cross-selling opportunities, ensuring that the same is harnessed based on customer needs.

Operations Management:

• Manage branch operations, including risk management, credit administration, and customer service.
• Manage branch resources to ensure cost-effectiveness and profitability.
• Ensure the operational readiness and manage the efficiency of branch infrastructure with effective business continuity practices.

Market Analysis and Stakeholder Management:

• Conduct periodic market research and analysis to identify opportunities and threats, and adjust business strategies accordingly.
• Build and maintain relationships with key stakeholders, including customers, regulators, and community leaders.

Qualifications

• HND / B.Sc in Science, Social Science or any other related course.
• Master’s degree in Business Administration, Finance, and Other Finance-related fields OR Professional certification in banking, finance, or management will be an added advantage.
• Evidence of completion of or exemption from NYSC.
• Evidence of completion of the Microfinance Certification program is a plus.

Requirements:

• Minimum of 5 years of experience in banking, microfinance, or related fields.
• Proven track record of success in banking with emphasis on sales.
• In-depth knowledge of the commercial terrain, market peculiarities, and geography of Kano state and environs.
• Strong leadership and management skills, with the ability to motivate and inspire teams.
• Excellent communication, interpersonal, and negotiation skills.
• Ability to analyze data, identify trends, and make informed decisions.

Experience:

• Minimum of five (5) years of banking experience.
• Proven experience using marketing and negotiating techniques to close business deals.
• Adequate knowledge of microfinance banking and financial inclusion.
• Analytical and practical understanding of workflow management, capacity planning, process implementation, and optimization.

Skills:

• Ability to identify and maximize market opportunities to generate revenue
• Ability to apply best practices in all areas of operations to drive business efficiency
• Ability to analyze and interpret data for decision-making
• Thorough knowledge of banking products, especially in the microfinance sub-sector
• Extensive knowledge of banking regulations, regulatory provisions, and best practices
• Working knowledge of credit risk management and practices
• Leadership, multi-team management, and mentoring
• Excellent verbal and written communication skills, including ability to effectively communicate with internal and external customers
• Proficient in the use of MS Office/Google tools
• Familiarity with at least one banking ERP

How to Apply

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