Branch Manager

RAFI Microfinance, Inc.; Cebu City; On-site; PHP 334,800 - 558,000; Full time

Job summary

RAFI Microfinance, Inc. is looking for a Branch Manager to oversee all branch operations in Cebu City, ensuring financial security and effective program implementation. You will lead the branch staff while maintaining strong client relationships and delivering excellent customer service.

The position requires a Bachelor's degree and at least 1 year of experience in personnel management or program planning. Ideal candidates are analytical, responsible, and open to fieldwork.

Qualifications

• Minimum 1 year in personnel management, program planning, monitoring, and evaluation.
• Knowledge of lending processes and business analysis.
• Flexible, team-oriented, and committed to development work.

Responsibilities

• Supervise day-to-day operations to ensure efficiency and compliance.
• Monitor and safeguard loan portfolios, ensuring timely collection.
• Execute company policies and microfinance programs.

Skills

Personnel management

Program planning

Monitoring and evaluation

Strong oral and written communication skills

Proficiency in computer applications

Education

Bachelor's degree in Commerce, Business Management, Accountancy, Entrepreneurship, or related field

Job description

Job Scope – Branch Manager

Job Title: Branch Manager

Reports to: Area Manager

Direct Reports: All branch-based staff

Purpose

The Branch Manager oversees all branch operations, ensuring portfolio security, effective program and policy implementation, excellent customer service, client and staff management, and accurate financial reporting. This role carries full financial and management authority at the branch level.

Key Areas of Responsibility

• Branch Operations Management – Supervise day-to-day operations to ensure efficiency, accuracy, and compliance.
• Portfolio Security – Monitor and safeguard loan and savings portfolios, ensuring timely collection and minimal delinquency.
• Program & Policy Implementation – Execute company policies and microfinance programs as approved by the central office.
• Customer Service – Maintain strong client relationships and ensure a high standard of service delivery.
• Client & Staff Management – Lead, train, and motivate branch personnel; ensure effective client engagement.
• Financial Planning & Reporting – Prepare budgets, forecasts, and performance plans; submit accurate reports within deadlines.
• Market Positioning – Identify growth opportunities and strengthen the branch’s presence in the community.
• Information Management – Maintain accurate and timely records, ensuring integrity of data in systems and reports.

Core Duties

• Maintain and review branch financial records including BM Register, cashbooks, collection sheets, and deposit slips.
• Approve group formation, loan applications, and credit disbursement after personal client verification.
• Visit each client’s home at least once per loan cycle for evaluation and discussion of proposed businesses.
• Implement approved yearly savings, credit, disbursement, and repayment plans.
• Conduct regular field visits to monitor trust staff performance and correct irregularities.
• Manage branch expenses, pay operational bills, and procure necessary supplies.
• Submit required weekly, monthly, and annual reports to the Operations Manager.
• Provide leadership, guidance, and motivation to branch staff.

Qualifications

Education

• Bachelor’s degree in Commerce, Business Management, Accountancy, Entrepreneurship, or related field.

Experience & Skills

• Minimum 1 year in personnel management, program planning, monitoring, and evaluation.
• Knowledge of lending processes and business analysis.
• Strong oral and written communication skills.
• Proficiency in computer applications.

Personal Attributes

• flexible, team-oriented, and committed to development work.
• God-fearing, responsible, patient, hardworking, disciplined, and fair.
• Analytical, risk-taker, and open to field work.