Job Summary

Working closely with the Area Manager, formulates and implements the overall business Strategy for the branch while assessing the business opportunities to grow quality portfolio, drive digital and agency banking adoption and Bancassurance, through client acquisition, retention and strong relationship management. Manage the branch and offer leadership to staff, Remote sales team and Sales Consultant in formulation and implementation of business growth and development strategies at the branch. The job holder is expected to aggressively drive the branch growth and profitability targets by identifying, developing and maintaining profitable relationships with customers.

Key Tasks & Responsibilities

Key Measurable Goals

• Business Growth & Development
• Relationship Management, customer service & retention
• Branch strategic alignment
• Leadership & People Management-Growth, retention and development of motivated and high performing teams
• Risk & Compliance
• Brand visibility & Marketing
• Branch Operations
• Cost Management

Key Responsibilities

Branch Strategic Alignment

Develop and implementing branch business initiatives and turnaround strategy in line with Faulu business strategies for performance of branch growth and profitability.

Business Growth and Development

Lead business growth and development of the branch, agencies and other alternative service outlets attached to the branch.

Drive sales of all products and services at branch level through offering leadership and motivation to the sales team, sales drives, liaison with key relationships and stakeholders.

Initiate, nurture and ensure profitable business relationship and Partnerships with the customers, community and government structures while Developing business opportunities in line with the Bank’s long-term strategy and annual business plans and Always keep up with changing customer needs, competitors to ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.

Responsible for growth quality Branch’s Business portfolio; Assets and Liabilities to constantly achieve income, quality and portfolio growth targets.

Responsible for customer growth and retention through quality client recruitment, onboarding, cross selling of products and excellent customer relationship management in alignment with bank’s targets and monitor businesses.

Brand Visibility & Marketing

Adopt strategic marketing by always developing a competitive advantage into the dynamic marketplace and leveraging on Faulu’s distinctive capabilities to drive value.

Promotion of Faulu’s brand visibility and image: Being the Key liaison point with the community, participate in community affairs to increase the company’s visibility and to enhance new and existing business opportunities

Liaising with the business unit leaders, Marketing and Products development team, to review existing products for fit and alignment with changing customer needs, to recommend improvement or changes as at when necessary.

Strategically position Faulu as a Trader’s Bank through consistent messaging to current and potential clients.

Ensure proper allocation and display of merchandising materials in accordance with Marketing and Bank’s guidelines.

Leadership and People Management

Manage and lead the branch team in achieving/ surpassing the set business targets through setting smart performance targets for direct reports, providing regular feedback and guidance through coaching and mentorship.

Development of a high performing team at branch level through training, mentorship, and special assignments.

Put in place a proper succession plan by constantly developing capabilities within the team, mentoring and coaching the identified successors.

Responsible for Human Capital function at the branch and constantly consults with HC for clarity on day-to-day interpretation of the HR policy and procedures.

Effectively track team members’ participation and uptake of personal development programs provided by the Bank such as internal and external training and development opportunities to track staff development

Ensures adherence to Faulu Human Capital policies and procedures and adherence to laid down grievance and disciplinary procedure to ensure a conducive work environment.

Responsible for to enhancement of staff motivation, engagement through unique staff recognition initiatives at the branch

Cost Management

Lead in optimal utilization of people, financial and technical resources within the branch.

Budget planning continuous evaluation of branch financial performance against budgets through proper cost management and continuous budget planning and taking remedial actions where necessary

Relationship Management, Customer Service & Retention

Provide superior level of customer relationship management and promote the customer retention, sales and service culture.

Branch Operations

Observe branch opening and closing procedure as per CBK requirement.

Ensures total adherence health and safety requirements, through continuous monitoring of systems, procedures and workflows, and taking corrective action when necessary.

Responsible for all Branch security procedures including branch opening and opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.

Ensures there is no breach of branch cash limit in adherence to the regulator’s guidelines.

Audit, Risk and Compliance

Chair the Branch Credit Committee and ensure compliance to Credit policy & procedures.

Monitor and ensure 100% compliance to all the company policies, processes, procedures and other controls.

Enhance the appropriate controls and monitoring mechanisms for the development of high-quality lending.

Ensure full compliance with Central Bank of Kenya guidelines and appropriate provisions of the Microfinance with respect to lending.

Ensuring full compliance to the occupational Health and safety (OHS) and Environmental Social Management (ESM) policy and procedure in day-to-day branch business.

Skills, Knowledge & Competencies

• Business Strategy Implementation skills
• Good presentation skills
• People management skills
• Excellent data entry and typing skills.
• Sales / Marketing skills
• Financial analytical skills
• Customer service skills
• Strong communication and negotiation skills
• Strong relationship management skills

Competencies Required

• Excellent interpersonal skills
• Proven sales and business growth capability.
• Aggressive and self-driven and able to work with minimal supervision.
• Demonstrated Leadership Capability
• Proven decision making and problem-solving capability
• Team leader/player
• Ability to offer mentorship support preferred

Qualifications & Experience

Bachelor’s degree in a business-related field from a recognized university

Additional Qualifications/Experience (Preferred, Not A Requirement)

Advanced training in Business Management.

Master’s in business or related field preferred

6 years of experience with at least 3 years managerial experience with proven track record for delivery of superior results

Experience in lending /credit

Experience in MFI or financial institutions

• Develop and implementing branch business initiatives and turnaround strategy in line with Faulu business strategies for performance of branch growth and profitability.
• Lead business growth and development of the branch, agencies and other alternative service outlets attached to the branch.
• Drive sales of all products and services at branch level through offering leadership and motivation to the sales team, sales drives, liaison with key relationships and stakeholders.
• Initiate, nurture and ensure profitable business relationship and Partnerships with the customers, community and government structures while Developing business opportunities in line with the Bank’s long-term strategy and annual business plans and Always keep up with changing customer needs, competitors to ensure that the Bank remains competitive and promptly reacts to changing market conditions and customer needs.
• Responsible for growth quality Branch’s Business portfolio; Assets and Liabilities to constantly achieve income, quality and portfolio growth targets.
• Responsible for customer growth and retention through quality client recruitment, onboarding, cross selling of products and excellent customer relationship management in alignment with bank’s targets and monitor businesses.
• Adopt strategic marketing by always developing a competitive advantage into the dynamic marketplace and leveraging on Faulu’s distinctive capabilities to drive value.
• Promotion of Faulu’s brand visibility and image: Being the Key liaison point with the community, participate in community affairs to increase the company’s visibility and to enhance new and existing business opportunities
• Liaising with the business unit leaders, Marketing and Products development team, to review existing products for fit and alignment with changing customer needs, to recommend improvement or changes as at when necessary.
• Strategically position Faulu as a Trader’s Bank through consistent messaging to current and potential clients.
• Ensure proper allocation and display of merchandising materials in accordance with Marketing and Bank’s guidelines.
• Manage and lead the branch team in achieving/ surpassing the set business targets through setting smart performance targets for direct reports, providing regular feedback and guidance through coaching and mentorship.
• Development of a high performing team at branch level through training, mentorship, and special assignments.
• Put in place a proper succession plan by constantly developing capabilities within the team, mentoring and coaching the identified successors.
• Responsible for Human Capital function at the branch and constantly consults with HC for clarity on day-to-day interpretation of the HR policy and procedures.
• Effectively track team members’ participation and uptake of personal development programs provided by the Bank such as internal and external training and development opportunities to track staff development
• Ensures adherence to Faulu Human Capital policies and procedures and adherence to laid down grievance and disciplinary procedure to ensure a conducive work environment.
• Responsible for to enhancement of staff motivation, engagement through unique staff recognition initiatives at the branch
• Lead in optimal utilization of people, financial and technical resources within the branch.
• Budget planning continuous evaluation of branch financial performance against budgets through proper cost management and continuous budget planning and taking remedial actions where necessary
• Provide superior level of customer relationship management and promote the customer retention, sales and service culture.
• Observe branch opening and closing procedure as per CBK requirement.
• Ensures total adherence health and safety requirements, through continuous monitoring of systems, procedures and workflows, and taking corrective action when necessary.
• Responsible for all Branch security procedures including branch opening and opening procedures, camera surveillance and maintenance, video monitoring, robbery and fire drill procedures.
• Ensures there is no breach of branch cash limit in adherence to the regulator’s guidelines.
• Chair the Branch Credit Committee and ensure compliance to Credit policy & procedures.
• Monitor and ensure 100% compliance to all the company policies, processes, procedures and other controls.
• Enhance the appropriate controls and monitoring mechanisms for the development of high-quality lending.
• Ensure full compliance with Central Bank of Kenya guidelines and appropriate provisions of the Microfinance with respect to lending.
• Ensuring full compliance to the occupational Health and safety (OHS) and Environmental Social Management (ESM) policy and procedure in day-to-day branch business.

• Business Strategy Implementation skills
• Good presentation skills
• People management skills
• Excellent data entry and typing skills.
• Sales / Marketing skills
• Financial analytical skills
• Customer service skills
• Strong communication and negotiation skills
• Strong relationship management skills
• Excellent interpersonal skills
• Proven sales and business growth capability.
• Aggressive and self-driven and able to work with minimal supervision.
• Demonstrated Leadership Capability
• Proven decision making and problem-solving capability
• Team leader/player
• Ability to offer mentorship support preferred

• Bachelor’s degree in a business-related field from a recognized university
• Advanced training in Business Management.
• Master’s in business or related field preferred
• 6 years of experience with at least 3 years managerial experience with proven track record for delivery of superior results
• Experience in lending /credit
• Experience in MFI or financial institutions