Branch Manager (x2)


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ExpressCredit is a global consumer finance company operating in Zambia and 4 surrounding countries, including Botswana, Namibia, Malawi, and Lesotho. Our company helps individuals in a need of short-term and long-term financial solutions – all of which make a meaningful and lasting impact on the local communities.

Since 2018, ExpressCredit has more than tripled its global operations and grown significantly worldwide. If you want to work for a dynamic, forward-thinking and socially responsible financial services provider we are the right match for you!

To learn more about ExpressCredit, visit:  https://www.expresscredit.co.zm/

We invite suitably qualified and experienced candidate based in the location below to apply.

Job Location: Ndola (X 1) and Solwezi (X1)

Job Mission:  The Branch Manager is responsible for administering and supervising the overall branch operations, ensuring that all staff members are performing within the prescribed policies and procedures while attaining high level of customer satisfaction. He/she takes the lead in appraising performance of all branch staff. The Branch Manager is also responsible for developing and growing both quality asset and liability portfolio of the branch, ultimately making the branch an independent profit center. Additionally, Branch Manager is accountable for overall branch activities

Responsibilities

1. Cash Management

  • Record opening balance in the vault cash register daily and signed off
  • Record cash transfer our in the vault cash register whenever deposits are done and signed off
  • Ensure all cash collected from customers is posted in ERP and customers issued with a receipt
  • All cash payments must be collected from the Teller booth
  • The Teller booth must always be under lock and key
  • At end of day verify cash at hand with the cashbook summary from the system and sign off
  • Daily cash deposits for all cash collected on the next working day, and use of banking slips
  • Record closing balance in the vault cash register and sign off
  • Safe dual control management is always observed, one person must not have access to both keys at any given time
  • Ensure system cashbook balances at end of day
  • Create task in ERP for cashbook not balanced

2.   Branch Management

  • Custodian of all branch assets
  • Ensure branch is open and ready for business by 07:55
  • Ensure branch is locked and safely secured at end of day
  • Ensure the branch is clean and conducive for business and customers
  • All branch equipment must be in good working condition for smooth branch operations
  • Ensure customers are supplied with clean drinking water
  • Ensure all polices are available
  • Ensure all displayed certificates are current
  • Ensure the branch has all necessary stationary available
  • Fully serviced fire extinguishers

3.   Customer Care

  • Ensure excellent customer service to all customers
  • Resolve customer complaints and queries and ensure they are handled within 24hrs
  • Escalate all customer queries and complaints that cannot be handled by the branch immediately and ensure they are resolved within 48hrs
  • Ensure customer refund claims are handled with utmost care and customers are refunded within 48hrs
  • All customer refund claims are completed and signed off before escalating to SSC for processing
  • Customers are fully informed about all products and services
  • Customer workstation is available and in working condition for customer access

4. Loan Processing

  • All loans are processed as per policy and procedure adhering to underwriting rules
  • All loan files are secured in the branch daily before dispatching to Head office
  • All loan files are couriered to Head office for archiving by Monday the following week
  • All mandates are couriered to Head Office (Credit department) by Monday the following week

5. Staff Management

  • Branch staff report for work on time
  • Branch staff out of office follow laid down procedure
  • Branch staff are available to attend to customers
  • Branch staff performance appraisal
  • Initiate staff disciplinary action

6. Sales

  • Management of Direct Sales Agents to drive sales
  • Set daily marketing plans for DSAs and set daily targets
  • Ensure branch sales targets are achieved
  • Prepare monthly and weekly sales plan and send to Sales Manager and Head- Branch Operations
  • Ensure all sales plans are implemented

7. Reports

  • Ensure daily and weekly reports are sent completed efficiently and sent on time

8 Documents Archiving

  • Ensure all documents e.g, Cash receipts, refunds, loan documents are kept safe and secure in branch before dispatching to HQ for archiving
  • Ensure all documents are couriered to HQ for archiving within 5 working days of the following month

JOB REQUIREMENTS

  • Bachelor’s Degree in a finance or business related course or Professional business/banking qualification required, additional qualification will be an advantage,
  • Minimum 3 years working experience in a financial institution at least 1 on a supervisory level,
  • Proficient in computer (e.g. Word, Excel and Power Point presentation).
  • Proven supervisory or managerial skills
  • Relevant experience in branch operations,
  • Relevant experience in personnel supervision,
  • Working knowledge in accounting a must,
  • Good grasp of Marketing skills & principles,
  • Excellent interpersonal and communication skills (oral& written),
  • Customer service oriented
  • Analytical, highly organized, attention to details,

To apply for this job please visit talent.sage.hr .

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