Company Overview

At Human Capital Outsourcing Limited, our journey began in 2017. We're not just an HR consultancy firm; we're your trusted strategic partners in realizing your vision. Over the years, our commitment to excellence has guided us through a path of continuous growth and learning.

• Provide overall leadership and day-to-day management of branch operations.
• Act as the link between branch staff and executive management.
• Drive sustainable growth of the branch loan portfolio through business development and market penetration initiatives.
• Develop and implement branch growth strategies aligned with organizational objectives.
• Oversee sales and marketing activities to attract and retain quality customers.
• Set branch sales targets and monitor performance against established goals.
• Ensure quality credit appraisal and approval processes are consistently followed.
• Manage portfolio quality and minimize non-performing loans through effective monitoring and collections oversight.
• Chair branch credit committee meetings and ensure sound lending decisions.
• Maintain high standards of customer service and customer experience.
• Ensure timely resolution of customer complaints and service issues.
• Lead staff recruitment, onboarding, performance management, coaching, and development.
• Foster a high-performance culture through mentorship, training, and continuous learning.
• Manage branch leave planning, staff transitions, and portfolio handovers.
• Ensure compliance with company policies, procedures, and regulatory requirements.
• Safeguard branch assets and oversee branch security measures.
• Coordinate branch audits and ensure timely implementation of corrective actions.
• Prepare and submit operational, financial, and performance reports as required.
• Promote a safe, clean, and productive working environment for staff and customers.
• Perform any other duties assigned by management.

• Business development and market expansion capability.
• Credit analysis and portfolio management expertise.
• Financial and commercial acumen.
• Excellent communication and negotiation skills.
• Strong decision-making and problem-solving ability.
• Customer relationship management skills.
• Performance management and coaching capability.
• High level of integrity and accountability.
• Strong analytical and report-writing skills.
• Proficiency in Microsoft Office applications, especially Excel.

• Bachelor's Degree in Business Administration, Finance, Economics, Commerce, Banking, or a related field.
• Professional qualifications in Credit Management, CPA, AKIB, or related certifications will be an added advantage.
• Minimum 3 years' experience in a senior credit, branch management, or operations role within a Microfinance Institution (MFI), Microcredit Company, SACCO, or Financial Institution.
• Proven track record in loan book growth, portfolio management, and branch leadership.
• Strong understanding of credit risk management and collections.
• Experience managing teams and driving branch performance.
• Strong leadership and people management skills.