Job Description
Job Description • The role is responsible for building, managing, and driving the overall business, operational, customer service, and commercial performance of the Bank’s branch operations within a fintech-driven digital microfinance bank.
• The successful candidate will lead branch growth initiatives, deposit mobilization, customer acquisition, lending activities, operational supervision, and service delivery while establishing strong operational controls and regulatory compliance standards.
• The role requires a commercially driven, operationally sound, and leadership-oriented professional capable of building branch structures, driving profitability, managing teams, and positioning the branch as a high-performing business hub from inception.
• The ideal candidate must be proactive, execution-focused, and capable of independently driving branch growth, operational discipline, and market expansion without requiring constant supervision.
Responsibilities
Branch Business Development & Deposit Mobilization:
• Drive aggressive deposit mobilization and liability generation initiatives for the branch.
• Develop and execute branch business development strategies to grow customer base and market share.
• Mobilize savings accounts, current accounts, fixed deposits, and investment products.
• Build and maintain strong relationships with individuals, SMEs, corporate clients, associations, and high-net-worth customers.
• Identify new market opportunities and drive customer acquisition initiatives.
• Lead branch sales campaigns and achieve assigned business targets and KPIs.
• Promote all Bank products and digital banking solutions within the branch catchment area.
Branch Operations Management:
• Oversee the daily operations of the branch, ensuring efficiency, accuracy, and service excellence.
• Supervise teller operations, cash management, transaction processing, and customer service activities.
• Ensure proper cash balancing, vault management, and operational controls.
• Monitor operational processes to minimize errors, fraud, and operational losses.
• Ensure timely resolution of customer complaints and operational issues.
• Maintain strong maker-checker and operational control frameworks.
Credit & Lending Supervision:
• Drive quality loan portfolio growth within approved risk parameters.
• Supervise loan origination, appraisal, monitoring, and recovery activities.
• Ensure proper credit documentation and compliance with lending policies.
• Monitor portfolio quality, delinquency trends, and repayment performance.
• Support recovery strategies and delinquency management initiatives.
Customer Relationship Management:
• Deliver exceptional customer experience and service standards.
• Build long-term customer relationships to improve retention and cross-selling opportunities.
• Resolve customer issues promptly and professionally.
• Promote customer trust and confidence in the Bank’s services.
Team Leadership & Staff Management:
• Lead, supervise, and motivate branch staff to achieve business and operational objectives.
• Build a high-performance culture focused on accountability, discipline, and customer service excellence.
• Conduct staff coaching, mentoring, and performance management activities.
• Support recruitment, onboarding, and training of branch personnel where required.
Risk Management & Compliance:
• Ensure full compliance with CBN regulations, internal policies, and operational procedures.
• Maintain strong internal controls and risk management practices within the branch.
• Monitor suspicious transactions, fraud risks, and operational irregularities.
• Ensure proper documentation, audit readiness, and regulatory compliance.
• Support internal audits, compliance reviews, and regulatory examinations.
Branch Administration & Reporting:
• Oversee branch administration, facilities, security, and asset management.
• Prepare daily, weekly, and monthly branch performance reports.
• Monitor branch profitability, operational efficiency, and financial performance.
• Track branch KPIs including deposits, loans, customer growth, and operational performance.
• Provide business insights and recommendations to Executive Management.
Branch Setup & Market Expansion:
• Support the establishment and growth of the branch structure from inception.
• Build operational processes, workflows, and branch service frameworks.
• Drive visibility and market penetration within the branch location.
• Represent the Bank within the local business community and market environment.
• The successful candidate will lead branch growth initiatives, deposit mobilization, customer acquisition, lending activities, operational supervision, and service delivery while establishing strong operational controls and regulatory compliance standards.
• The role requires a commercially driven, operationally sound, and leadership-oriented professional capable of building branch structures, driving profitability, managing teams, and positioning the branch as a high-performing business hub from inception.
• The ideal candidate must be proactive, execution-focused, and capable of independently driving branch growth, operational discipline, and market expansion without requiring constant supervision.
Responsibilities
Branch Business Development & Deposit Mobilization:
• Drive aggressive deposit mobilization and liability generation initiatives for the branch.
• Develop and execute branch business development strategies to grow customer base and market share.
• Mobilize savings accounts, current accounts, fixed deposits, and investment products.
• Build and maintain strong relationships with individuals, SMEs, corporate clients, associations, and high-net-worth customers.
• Identify new market opportunities and drive customer acquisition initiatives.
• Lead branch sales campaigns and achieve assigned business targets and KPIs.
• Promote all Bank products and digital banking solutions within the branch catchment area.
Branch Operations Management:
• Oversee the daily operations of the branch, ensuring efficiency, accuracy, and service excellence.
• Supervise teller operations, cash management, transaction processing, and customer service activities.
• Ensure proper cash balancing, vault management, and operational controls.
• Monitor operational processes to minimize errors, fraud, and operational losses.
• Ensure timely resolution of customer complaints and operational issues.
• Maintain strong maker-checker and operational control frameworks.
Credit & Lending Supervision:
• Drive quality loan portfolio growth within approved risk parameters.
• Supervise loan origination, appraisal, monitoring, and recovery activities.
• Ensure proper credit documentation and compliance with lending policies.
• Monitor portfolio quality, delinquency trends, and repayment performance.
• Support recovery strategies and delinquency management initiatives.
Customer Relationship Management:
• Deliver exceptional customer experience and service standards.
• Build long-term customer relationships to improve retention and cross-selling opportunities.
• Resolve customer issues promptly and professionally.
• Promote customer trust and confidence in the Bank’s services.
Team Leadership & Staff Management:
• Lead, supervise, and motivate branch staff to achieve business and operational objectives.
• Build a high-performance culture focused on accountability, discipline, and customer service excellence.
• Conduct staff coaching, mentoring, and performance management activities.
• Support recruitment, onboarding, and training of branch personnel where required.
Risk Management & Compliance:
• Ensure full compliance with CBN regulations, internal policies, and operational procedures.
• Maintain strong internal controls and risk management practices within the branch.
• Monitor suspicious transactions, fraud risks, and operational irregularities.
• Ensure proper documentation, audit readiness, and regulatory compliance.
• Support internal audits, compliance reviews, and regulatory examinations.
Branch Administration & Reporting:
• Oversee branch administration, facilities, security, and asset management.
• Prepare daily, weekly, and monthly branch performance reports.
• Monitor branch profitability, operational efficiency, and financial performance.
• Track branch KPIs including deposits, loans, customer growth, and operational performance.
• Provide business insights and recommendations to Executive Management.
Branch Setup & Market Expansion:
• Support the establishment and growth of the branch structure from inception.
• Build operational processes, workflows, and branch service frameworks.
• Drive visibility and market penetration within the branch location.
• Represent the Bank within the local business community and market environment.
Sponsored
