JOB ADVERTISEMENT 

• Umwalimu SACCO is looking for inspired innovators, dynamic self-driven and highly creative personalities to collaborate with Umwalimu SACCO in taking it to the next level of success. If you feel you have what it takes, we would like to hear from you.
• If you meet the qualification, please send us your applications, via email at recruitment@umwalimusacco.rw no later than 02/05/2024 at 5 PM local time. Put the job title as the subject of the email.
• Interested candidates should submit soft copies of the motivation letters, CV’s ,copy of required degrees and other important documents like certificates of service rendered as a proof of required experience ,National Identity Card, and other certificate of training or courses attended,. Kindly note that only shortlisted candidates will be contacted for the exam and interview.

JOB TITLE: BRANCH MANAGERS (5)

Reports to: Director of Operations

Department: Operations

Age Limit: 35

N.B: Be prepared to work in any of our established branch locations across the country.

KNOWLEDGE, SKILLS AND EXPERIENCE REQUIRED

• Being a Rwandan by Nationality
• Bachelor’s Degree in Business related field (Accounting, Management, Finance, Economics or Equivalent Degree
• Advanced training in Business Management is desirable
• A minimum of 3 consecutive years in a Bank or Microfinance

Job purpose

To oversee the day to day management and supervision of the unit and ensure expansion and business growth of the branch.

Knowledge and Skills

• Business Management skills
• Supervisory skills
• Advanced knowledge in marketing and credit risk management
• Expert knowledge in finance sector
• Strong technical knowledge of the SACCO’s products and services
• Customer service skills

Key responsibilities

Performance Management and Portfolio growth

• Direct all operational aspects of the Branch including distribution operations, customer service, human resources, administration and sales,
• Assess local market conditions and identify current and prospective sales opportunities;
• Spearheading setting of realistic targets by branch staff
• Develop and deliver products that meet customer requirements and maximize the return to the Branch
• Responding appropriately to branch performance within the branch
• Overseeing portfolio growth(Savings and credit)
• Maintain a clean loans portfolio

Providing Leadership

• Providing and communicating the SACCO’s strategy and policies to staff and ensure that these are effectively implemented
• Direct and control the Branch team to ensure that they are appropriately motivated and trained and that they achieve their objectives
• Control the effective provisions of SACCO’s services to ensure quality of services and operational integrity in accordance with the SACCO’s strategy and policy
• Day to day decision making and problem solving on branch activities
• Promote the SACCO’s image in the community by linking with local authority and leadership as necessary and attending internal and external meetings and participation in community activities

Mentoring and Supervision

• Ensure staff are aware of established policies, procedures and applicable regulations
• Follow up with Head Office to ensure availability of operational manuals, and that all staff understand the Umwalimu SACCO’s operational policies and procedures;
• Regular staff meeting
• Responsible for Branch security
• All branch banking activities
• Ensure the tenets of Know Your Customer (KYC) are maintained
• Conduct daily review of system generated reports including suspense accounts reports and follow up exceptions noted in reports

Budgetary responsibilities over the branch

• Annual budgeting
• Managing of costs/loss reduction
• Managing all branch’s assets
• Managing and approving expenses

Loan Processing/Credit Management

• Ensuring adequate appraisal of loans
• Ensuring comprehensive business assessment
• Ensuring compliance to loan policies and regulation
• Monitoring on daily basis loans in delinquency and make a proactive recovery

Default management

• Understanding the underlying causes of default
• Providing leadership in cases of default and taking a proactive approach in minimizing default

Perform any other duties as assigned by the direct supervisor

Key Result Areas

• Achievement of Branch performance targets
• Develop staff
• High rate of loan repayment
• Branch revenues vis-à-vis expenditure
• Provide powerful leadership
• Ensure proper control measures/minimize losses frauds
• Ensure customer service standards are excelled

EQUAL EMPLOYMENT OPPORTUNITY

Umwalimu SACCO shall provide for equal employment opportunity to the prospective candidates without direct or indirect discrimination on grounds of ethnic or social origin, gender, political and philosophical or religious opinions.

ADDITIONAL INFORMATION

Any supplementary information regarding the recruitment advertisement shall be obtained at Human Resource Department of Umwalimu SACCO at any time during the working hours: From 8:00 AM up to 6:00 PM starting from Monday to Friday.

Done at Kigali, 12 /04/2024 

RUTAGANDA Bosco

Director of Human Resources

UWAMBAJE Laurence

Director General