Key Responsibilities

• Provide leadership and oversight to branch teams within the assigned zone to achieve business growth and profitability targets.
• Develop and implement zonal business development strategies aligned with organizational objectives.
• Drive growth in key business segments including SME, corporate, SACCO, church, NGO, and institutional banking.
• Manage portfolio growth, retention of client base, and profitability of assigned branches and business units.
• Build and maintain strong customer relationships to support business acquisition and customer loyalty.
• Promote crossselling of banking products and services to maximize revenue generation.
• Maintain a balanced and quality asset and liability portfolio in line with organizational risk appetite.
• Monitor branch lending activities, portfolio quality, and compliance with credit policies and procedures.
• Identify new business opportunities, market trends, and emerging customer needs within the assigned zone.
• Lead branch teams in achieving revenue, deposit mobilization, and customer acquisition targets.
• Ensure compliance with AML, KYC, CFT, operational procedures, and regulatory requirements.
• Coordinate business performance monitoring, target tracking, and submission of branch performance reports.
• Support development and implementation of business improvement initiatives and operational efficiencies.
• Mentor, coach, and motivate branch managers and teams to achieve high performance standards.
• Participate in budgeting, business planning, and cost management activities within the zone.
• Collaborate with internal departments to ensure effective service delivery and customer satisfaction.
• Represent the organization in business networking, partnership development, and stakeholder engagement initiatives.

Qualifications & Requirements

• Bachelor’s Degree in Business Administration, Commerce, Finance, Banking, Marketing, Communication, or a related field.
• Professional training in Credit Management or Relationship Management will be an added advantage.
• Master’s Degree will be an added advantage.
• Minimum of 8 years’ experience in microfinance, banking, or financial services, with at least 6 years in a management role.
• Proven track record in business growth, portfolio management, and branch performance leadership.
• Experience in relationship management and building strategic business partnerships.
• Strong understanding of lending operations, credit risk assessment, and portfolio monitoring.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong leadership, negotiation, analytical, and decision making skills.
• Good understanding of financial analysis, banking operations, and regulatory compliance requirements.

 ​​​​​​​Key Competencies

• Business development and portfolio growth
• Relationship and stakeholder management
• Leadership and people management
• Credit and lending management
• Strategic planning and execution
• Financial analysis and profitability management
• Negotiation and networking skills
• Operational risk and compliance management
• Communication and presentation skills
• Analytical thinking and problem solving

• Provide leadership and oversight to branch teams within the assigned zone to achieve business growth and profitability targets.
• Develop and implement zonal business development strategies aligned with organizational objectives.
• Drive growth in key business segments including SME, corporate, SACCO, church, NGO, and institutional banking.
• Manage portfolio growth, retention of client base, and profitability of assigned branches and business units.
• Build and maintain strong customer relationships to support business acquisition and customer loyalty.
• Promote crossselling of banking products and services to maximize revenue generation.
• Maintain a balanced and quality asset and liability portfolio in line with organizational risk appetite.
• Monitor branch lending activities, portfolio quality, and compliance with credit policies and procedures.
• Identify new business opportunities, market trends, and emerging customer needs within the assigned zone.
• Lead branch teams in achieving revenue, deposit mobilization, and customer acquisition targets.
• Ensure compliance with AML, KYC, CFT, operational procedures, and regulatory requirements.
• Coordinate business performance monitoring, target tracking, and submission of branch performance reports.
• Support development and implementation of business improvement initiatives and operational efficiencies.
• Mentor, coach, and motivate branch managers and teams to achieve high performance standards.
• Participate in budgeting, business planning, and cost management activities within the zone.
• Collaborate with internal departments to ensure effective service delivery and customer satisfaction.
• Represent the organization in business networking, partnership development, and stakeholder engagement initiatives.

• Business development and portfolio growth
• Relationship and stakeholder management
• Leadership and people management
• Credit and lending management
• Strategic planning and execution
• Financial analysis and profitability management
• Negotiation and networking skills
• Operational risk and compliance management
• Communication and presentation skills
• Analytical thinking and problemsolving

• Bachelor’s Degree in Business Administration, Commerce, Finance, Banking, Marketing, Communication, or a related field.
• Professional training in Credit Management or Relationship Management will be an added advantage.
• Master’s Degree will be an added advantage.
• Minimum of 8 years’ experience in microfinance, banking, or financial services, with at least 6 years in a management role.
• Proven track record in business growth, portfolio management, and branch performance leadership.
• Experience in relationship management and building strategic business partnerships.
• Strong understanding of lending operations, credit risk assessment, and portfolio monitoring.
• Experience in banking, microfinance, SACCO, or financial services sector is highly preferred.
• Experience in the same business is preferred.
• Strong leadership, negotiation, analytical, and decisionmaking skills.
• Good understanding of financial analysis, banking operations, and regulatory compliance requirements.