Branch Manager

Pagasa Philippines Finance Corporation

Gumaca

On-site

PHP 600,000 - 1,000,000

Full time

8 days ago

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Job summary

Pagasa Philippines Finance Corporation is seeking a Branch Manager to lead the assigned branch, achieve growth, and safeguard assets through disciplined operations, credit oversight, and policy compliance. You will develop a high‑performing team, monitor borrower performance, and build strong relationships with clients and community partners to drive market expansion.

Travel within the area and field visits are expected to support portfolio expansion, risk management, and continuous improvement

Qualifications

Bachelor's degree in business or related field.
At least 3 years of experience in branch operations, lending, microfinance, banking, collections, or related financial services.
At least 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, credit operations, or related areas.
Strong leadership, coaching, and stakeholder management skills.

Responsibilities

Oversee day-to-day branch operations and targets.
Drive borrower growth, portfolio quality, collections, and profitability.
Ensure compliance with policies and operational standards and safeguard assets.
Lead and develop Assistant Branch Managers and Loan Officers.
Conduct field visits, performance reviews, and coaching sessions.
Identify market expansion opportunities and support business plans.
Build relationships with clients, community leaders, and stakeholders.
Ensure readiness for internal and external audits and risk controls.

Skills

Leadership

People management

Branch operations

Credit management

Portfolio management

Excel

Stakeholder management

Field travel

Education

Bachelor's degree in Business Administration or related field

Any related field

Tools

Excel

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 astrategic 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 thesocial impact of microfinancewith thegovernance, 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: