Branch Manager

Pagasa Philippines Finance Corporation; Central Luzon; On-site; PHP 700,000 - 950,000; Full time

Job summary

Pagasa Philippines Finance Corporation is seeking a Branch Manager for the Branch Deployment. You will lead all aspects of branch operations, drive borrower growth, ensure portfolio quality, and safeguard assets while aligning with regulatory requirements.

You will coach staff, develop a high-performing team, and collaborate with Head Office to execute annual plans, expand market presence, and deliver sustainable financial results across the assigned area in the Philippines.

Qualifications

• Bachelor’s degree in business or related field.
• At least 3 years in branch operations, lending, microfinance, banking, collections, or related financial services.
• At least 2 years of supervisory or people management experience.
• Strong leadership, analytics, and decision-making abilities.

Responsibilities

• Oversee day-to-day branch operations and ensure targets are met.
• Lead, coach, and develop Assistant Branch Managers and Loan Officers.
• Manage portfolio quality and drive borrower growth and collections.
• Build relationships with clients, community leaders, and stakeholders.

Skills

Leadership

Branch Ops

Credit & Collections

Business Development

Risk & Compliance

Team Development

Financial Analysis

Stakeholder Management

Education

Bachelor's Degree in Business Administration or related field

Tools

MS Excel

Reporting tools

Job description

ROLE PROFILE

Position: Branch Manager

Reports to: Area Manager

Direct reports: N/A

Location: Branch Deployment

WHO WE ARE

Pagasa Philippines Finance Corporation (PPFC) is a subsidiary of ASA International, one of the world’s largest and fastest-growing international microfinance institutions, with a premium listing on the London Stock Exchange. ASA International operates across 13 countries in Asia and Africa, providing socially responsible financial services to underbanked, low-income entrepreneurs — the majority of them women. At Pagasa Philippines Finance Corporation, we currently have 400+ branches, servicing up to 400,000 clients across the country.

We are in the midst of a strategic and digital transformation program, modernizing our systems, data infrastructure, and ways of working to build the next generation of inclusive financial services. Our renewed leadership team is driving this change with a clear focus on growth, professionalism, and disciplined execution.

ASA International combines the social impact of microfinance with the governance, technology, and ambition of a listed commercial bank. We are building a culture that values innovation, accountability, and excellence—attracting leaders who want to shape a modern, scalable, and data-driven financial institution.

JOB PURPOSE

The Branch Manager is responsible for the overall management, performance, and growth of the assigned branch. The role ensures the achievement of operational and financial targets through effective leadership, portfolio management, team development, compliance, and implementation of company policies and procedures.

The Branch Manager is expected to maintain portfolio quality, drive borrower growth, manage collections, oversee branch operations, and develop a high-performing team while safeguarding company assets and ensuring regulatory and policy compliance.

KEY RESPONSIBILITIES

Branch Operations Management

• Oversee the day-to-day operations of the branch.
• Ensure achievement of branch targets for borrower growth, portfolio quality, collections, and profitability.
• Monitor branch performance and implement corrective actions as needed.
• Ensure compliance with company policies, procedures, and operational standards.
• Safeguard company assets, funds, and resources.
• Maintain accurate operational records and ensure timely submission of reports.

Portfolio and Credit Management

• Review, validate, and approve loan applications within approved authority limits.
• Monitor portfolio quality and implement strategies to maintain low delinquency and bad debt levels.
• Ensure proper borrower screening, validation, and loan utilization monitoring.
• Support collection efforts and recovery activities for past due and delinquent accounts.
• Analyze branch portfolio performance and identify opportunities for improvement.
• Implement action plans to address portfolio at risk (PAR), delinquency, and collection concerns.

Leadership and People Management

• Lead, coach, and develop Assistant Branch Managers and Loan Officers.
• Conduct regular field visits, performance reviews, and coaching sessions.
• Ensure staff productivity and adherence to company policies.
• Promote a culture of accountability, teamwork, and continuous improvement.
• Identify training and development needs of branch personnel.
• Drive employee engagement and retention within the branch.

Business Development

• Identify opportunities for market expansion and borrower acquisition.
• Conduct area assessments and recommend potential areas for branch growth.
• Support the development and execution of annual business plans.
• Build and maintain positive relationships with clients, community leaders, and stakeholders.
• Develop strategies to increase branch outreach and customer acquisition.

Risk and Compliance Management

• Ensure adherence to internal controls and operational policies.
• Monitor branch transactions, cash handling procedures, and record-keeping practices.
• Report any suspected fraud, financial irregularities, policy violations, or operational risks.
• Ensure timely resolution of audit findings and compliance issues.
• Maintain branch readiness for internal and external audits.
• Promote a culture of compliance and ethical conduct within the branch.

Administrative Management

• Manage branch facilities, permits, licenses, and operational requirements.
• Ensure accuracy and completeness of branch records and reports.
• Oversee branch communication and dissemination of company announcements, policies, and directives.
• Prepare and submit required operational and performance reports.
• Coordinate with Head Office and Division Management on branch requirements and initiatives.

QUALIFICATIONS

Required Qualifications

• Bachelor's Degree in Business Administration, Management, Finance, Accounting, Economics, Entrepreneurship, or any related field.
• At least three (3) years of experience in branch operations, lending, microfinance, banking, collections, sales management, or related financial services.
• At least two (2) years of supervisory or people management experience.
• Proven experience managing field-based teams and achieving operational or sales targets.
• Experience in collections, portfolio management, customer acquisition, or credit operations.
• Strong leadership, coaching, and people management skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Excellent communication and stakeholder management skills.
• Proficient in Microsoft Office applications, particularly Excel and reporting tools.
• Willing to conduct fieldwork and travel within the assigned area as required.
• Willing to be assigned to any branch or area based on business requirements.

Preferred Qualifications

• Experience in microfinance, lending, financing, rural banking, cooperatives, or financial services.
• Experience managing Loan Officers, Development Officers, Account Officers, or similar field personnel.
• Familiarity with group lending methodologies and community-based lending operations.
• Experience handling branch audits, compliance monitoring, or operational controls.
• Knowledge of portfolio at risk (PAR), collections management, and borrower retention strategies.
• Experience in business development and branch expansion initiatives.

PREFERRED INDUSTRY BACKGROUNDS

Candidates from the following industries are highly encouraged to apply:

• Microfinance Institutions
• Financing and Lending Companies
• Rural Banks
• Commercial Banks
• Cooperatives
• Financial Services Organizations
• Insurance and Field Sales Organizations with branch operations

KEY COMPETENCIES

• Leadership and Team Development
• Branch Operations Management
• Credit and Collections Management
• Business Development
• Risk Awareness and Compliance
• Financial and Operational Analysis
• Problem Solving and Decision Making
• Relationship Management
• Coaching and Mentoring

WHY JOIN PAGASA PHILIPPINES FINANCE CORPORATION?

At Pagasa, we are committed to creating hope and changing fortunes by empowering communities through accessible financial services. We offer opportunities for career growth, leadership development, and meaningful work that positively impacts the lives of thousands of Filipino families nationwide.