Reporting to: Sector Manager

Location: Uganda, with travel when required

Company Overview

4G Capital is the market leader in unsecured working capital lending in Kenya and Uganda. We empower micro and small businesses to grow and succeed by providing instant access credit and training to unlock business growth, maximizing the impact for micro business owners. Products and services are delivered via mobile money and proprietary fintech systems and data-led algorithmic underwriting. The award-winning company is Africa’s highest scoring fintech B Corp, the highest standard in global ESG and impact assessment.

Purpose: To Unlock Human Potential for Good

Mission: To Grow Business with Capital and Knowledge

Vision: The first choice for MSME growth in Africa

Role and purpose

4G Capital Branch Managers are responsible for the management, operation and performance of 4G Capital Units. They oversee customer applications, approvals, disbursement of loans and their collection. They directly deliver profitability by meeting sales and collections targets and are held responsible for Branch performance.

Roles and Responsibilities

• Profitability - Achieve monthly disbursements and collections targets for the unit. Including all other set KPIs.
• Loan verification – Spoof calling, Reference check and ID check
• Due diligence before loan approvals
• Leadership & Problem Solving - Support teams in the branch in all unit functions, logistics and performance issues with a view to attaining targets set and creating an efficient work environment for the sector.
• Fraud Prevention - Ensure all fraud related matters noted in respective units are noted and flagged up within reasonable time.
• Ensure Branch adherence to SOPs and policies
• Service Delivery - Deliver first-rate customer service and ensure teams in the branch follow the customer complaints procedure.
• Relationships Building - Build excellent relationships with customers, customer-partners and opinion leaders in the branch
• Reporting - Provide accurate and timely reporting of Management Information and market feedback to report on customer preferences, trends and market opportunities in the sector.
• Administrative Duties - Ensure the office is clean, filing, procurement and inventory management.
• Financial Inclusion Reach: Promote the extension and deepening of financial Market
• Customer Protection & Counter Indebtedness: Ensure all units promote responsible lending by observing affordability SOPs, customer follow up and SMART customer care standards

Key Performance Indicators

• Disbursement
• Collection
• New customers
• Active Customers
• Loan tenure
• Average Loan Value

Personal Attributes Competencies

• Team Player
• Detail orientation
• Self-motivated and pro – active
• Flexibility and ability to adapt to change
• Problem solving / solution driven / negotiation
• Confident
• Excellent communication skills – articulate and well spoken
• Integrity and ability to work in a team
• High motivation
• Self-starter-functional problem solver
• Process discipline- Ability to follow SOP’s

Academic Qualifications

• Bachelor’s degree

POSSIBLE CAREER PROGRESSION

Can broaden horizontal experience in the following role Call Centre Team Leader, Field Agent if the following skills and experience are demonstrated in current role:

• 1. Consistency in meeting all the KPIs and performance
• 2. Integrity and the ability to work under minimum supervision
• 3. Proof of ability to offer guidance to the branch teams

Can take promotional steps into the following roles Assistant Sector Manager, Assistant collections Manager, Sector Manager, if the following skills and experience are demonstrated in current role:

• 1. Satisfactory Achievement on all set KPIs at 100%