A. Business Development & Sales

• Develop and execute business strategies to achieve monthly and annual branch loan targets for all products.
• Identify and pursue new business opportunities through market visits, referrals, and partnerships with dealers, agents, and property developers.
• Oversee customer acquisition, loan applications, and disbursement processes.
• Maintain strong customer relationships to ensure retention and repeat business.

B. Credit & Risk Management

• Ensure proper verification and assessment of customer creditworthiness and collateral valuation (vehicles and properties).
• Review and recommend loan applications according to company credit policy.
• Monitor loan portfolio performance and take proactive measures to minimize delinquency and NPL (Non-Performing Loans).
• Supervise recovery and collection efforts for overdue accounts.

C. Branch Operations & Administration

• Manage day-to-day branch operations including cash handling, documentation, and record maintenance.
• Ensure compliance with company SOPs, audit requirements, and regulatory guidelines.
• Lead and motivate branch staff to deliver high-quality customer service.
• Prepare regular reports on loan performance, sales activities, and operational issues for management review.

D. People Management

• Supervise and coach the branch team to improve performance and productivity.
• Set clear individual targets and monitor achievement.
• Conduct regular training and performance appraisals.

• Bachelor’s Degree in Business Administration, Banking & Finance, Accounting, or related field.
• MBA or Postgraduate Diploma in Finance/Management (preferred).
• Minimum 5 years of experience in financial services or microfinance sector.
• At least 2 years in a supervisory or branch management role.
• Proven experience in vehicle loan, property loan, or secured lending operations.
• Strong knowledge of loan processing, credit assessment, and collateral management.
• Familiarity with regulatory and compliance requirements.
• Excellent leadership, communication, and interpersonal skills.
• Strong analytical and problem-solving abilities.
• Proficiency in MS Office and loan management systems.
• Target-oriented and self-motivated.
• High level of integrity and professionalism.
• Good decision-making and negotiation skills.
• Ability to work under pressure and meet deadlines.