1. Sales & Growth Leadership

• Champion daily sales activities across Accounts, Loans, savings and Investments.
• Cascade daily, weekly, and monthly targets to Field Banking Officers (FBOs) and Branch admins.
• Lead daily sales briefings, track performance, and implement corrective action immediately where gaps exist.
• Actively participate in field visits, community engagements, and market activations to generate leads.

2. Performance Management

• Monitor individual and branch sales KPIs in real time.
• Ensure at least 75% staff productivity daily; coach underperformers and recommend a reward for top achievers.
• Identify high-potential customers for cross-selling and upselling opportunities.

3. Customer Growth & Retention

• Build strong relationships with key customers, groups, and community influencers.
• Ensure superior customer service to encourage repeat business and referrals.
• Drive initiatives to reduce dormant accounts and retain active savers.

4. Credit & Portfolio Quality

• Supervise proper loan appraisal, documentation, and disbursement processes to minimise risk.
• Monitor loan repayments daily and push collections to maintain a low PAR (≤ agreed threshold).
• Support recovery efforts for delinquent accounts, including field follow-ups.

5. Reporting & Insights

• Submit daily performance reports to the Branch Manager, highlighting disbursements, deposits, leads generated, and conversion rates.
• Analyse trends and recommend local sales strategies to increase branch market share.

6. Operations & Compliance (Support Role)

• Ensure that branch operations run smoothly — opening/closing, cash handling, security.
• Enforce compliance with Kray Microfinance credit policies, KYC, AML/CFT requirements.
• Report any operational, risk, or compliance issues to the Branch Manager immediately.

Key Performance Indicators (KPIs)

• Loan Disbursement Achievement
• Investment Mobilisation
• Deposit Growth
• PAR (Portfolio at Risk)
• Productivity
• Customer Growth.

Qualifications & Experience

• Diploma/Degree in Business, Microfinance, Finance, or related field.
• Minimum 2 years’ experience in microfinance or financial services with a proven sales track record.
• Experience leading small teams and achieving aggressive sales targets.
• Proven experience in leading high performing teams is a MUST

Skills & Competencies

• Sales & Target Orientation: Proven ability to generate business and close deals.
• Leadership: Motivates, coaches, and builds high-performing teams.
• Customer Relationship Management: Builds trust with clients and communities.
• Analytical Skills: Ability to interpret sales and performance data.
• Tech-Savvy: Comfortable using core banking software, CRM tools, and digital channels.