Our client is a well established Micro-credit firm. They wish to recruit a General Manager to oversee their operations. The successful candidate will be based in Nairobi but can be posted to the regions the company operates
Job Profile
General Manager is responsible for performance and administration of assigned branch, provisioning of financial services, customer service and performance of Field Officers, concentrating on the poorly performing Field Officers, providing them guidance and assistance.
Other key responsibilities include overdue management, branch expense requisition and settlement, daily branch related transactions, inputs data in the Loans Management System (LMS), liaising with local administrative authorities for legal matter related to branch operations, preparing and sending different reports as per required.
While performing the above responsibilities, the General Manager must ensure that he/she and team members follow the Company’s core values, code of conduct and other institutional policies
Job Responsibilities
Business development
Conducts area survey and gathers data required for sourcing new customer
Oversees in setting up of new branch
Oversees in allotment of working area to Field Officers
Guides Field Officers in developing new business
Sustains current business and clients by understanding their needs and requirements
Product Development
Guided by market intelligence, develops new products to meet client needs
Develops new products that will appeal to and attract new and existing client base
Loan Assessment and Approval
Obtains all information from Field Officers required to make loan assessment
Checks loan documents as per prevailing policy and ensures they are up to standard
Conducts Group Recognition Test (loan assessment) as per policy
Makes recommendations to grant or reject loan applications as per policy and guided by the loan assessment outcome carried out
Loan Disbursement
Prepares and sends requisition for disbursement of loan to Accounts department
Ensures that all required documents for disbursement are prepared
Ensures that loan applications are processed within defined turnaround time (TAT) in the operational policy
Disburses approved loans to the client upon receipt of loan processing fees and other fees (e.g. insurance premium)
Monitoring
Ensures core values, code of ethics and operational policies of the company are adhered to strictly in pursuit of business growth
Maintains, updates and records data accurately on a regular basis
Plans and monitors daily activity of FOs
Visits field regularly to observe pre-meet, verification, disbursement, repayment and overdue management processes – to ensure these processes are followed in compliance of the operational policy and procedure
Checks and ensures MIS entries made by FOs are correct and complete
Fills and approves all Branch Activity Register
Reviews all loan documents to ensure proper documentation
Ensures proper and timely actions taken against unqualified findings
Maintains records & registers to ensure proper reporting
Debt Collection
Ensure the past due policy is adhered to
Manage the collection process of each due loan in accordance to loan issuing contracts
Assist Field Officers in tackling past due loans
Oversee that status reports of all past due loans are submitted by the FOs and reviewed on a daily basis
Workforce Management
Provides guidance and training to the entire team
Provides feedback to the team to improve performance
Resolves internal conflicts at the branch level
Assists in recruitment and training of new employees
Provides feedback for confirmation and promotions of branch team to HR department
Administration
Locates office premises for new branch
Purchase fixed asset items
Coordinates with HR and Admin department for compliance of legal matters related to branch opening (rental agreement, trade license, commercial electric meter, registration under Shops & Establishments Act)
Prepares branch expenses requisition and submits to accounts and settles the same
Follows up with the Chairman to resolve any branch support related issues
MIS and Reporting
Checks for timely and accurate data entry in the LMS
Shares timely information required by the Chairman and Board
Prepares different reports like disbursement, repayment, overdue, OPSUM etc., sends and presents to the Chairman and Board
Portfolio and Risk Management
Maintains high quality portfolio by taking preventive and curative measures
Ensures low customer drop-out, high Center attendance & quick loan processing
Public Relations
Builds rapport with micro-finance staff, community leaders, landlord and neighbours
Meets local community and association members to educate them about the Company and its products
Develops rapport with other MFIs in the area to help gain market intelligence
Conducts customer meets and interviews to gather data required to determine need of customers and assess customer satisfaction about the Company
Goes for client and site visits with FOs to monitor progress and gain firsthand knowledge on these clients
Budget Planning and Management
Develops the yearly budget for the micro-finance
Monitors and reviews the budget on a weekly and monthly basis
Oversees the preparation of the monthly financial statement against the budget on a monthly basis
Presents the monthly financial statements to the Chairman and Board
Balances quality of work with meeting deadlines and budget constraints
Planning
Monitors work against objectives and set targets for team
Prepares work plan and sets targets for oneself and team
Measures progress against targets and revises work plan accordingly
Provides timely performance feedback to the Chairman and Board
Coordinates work plans with others to accomplish common objectives
Anticipates problems and issues, and responds to them in real time accordingly
Organizational Perspective
Connects work to the overall mission of the organization
Understands related functions of department, along with its plan and anticipates possible implications of own work
Managing Relationship
Maintains harmonious relationships with members within and outside the organization
Works effectively as a member of a team
Builds credibility and trust with colleagues, superiors, the Chairman and the Board
Listens to employees and provides solution and advice
Decision making and problem solving
Anticipates problems and issues, and responds to them promptly and accordingly
Gathers information to identify issues and possible solutions for problems that affect the team/department
Demonstrates capacity for inductive and deductive problem solving on key issues, using past experience and technical knowledge in identifying appropriate solutions
Makes decisions in a timely manner and assumes joint responsibility for end-results
Implements solutions within the proper scope of authority
Ensures that all parties involved in and affected by decisions made are properly informed
Knowledge of Relevant Technology
Uses relevant technology and equipment (computers, software) to enhance own learning and improve productiveness and quality of service
Mentors others in the use of tools and technology
Uses listening tools online and their relationship for keeping oneself and team members updated on various events occurring in the market
Qualifications
Minimum Qualifications: Graduation (B. Com / B.Sc.) Minimum Experience: 1-2 year (General management), Loans System knowledge
Desired Skills: Good communication, analytical and interpersonal skills and intermediate computer knowledge
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