Branch Manager - MFB at CredPal

Purpose Statement

• We are seeking an experienced and commercially astute Branch Manager with strong knowledge of the Kano market terrain, business landscape, and customer behavior.
• The ideal candidate will be responsible for driving business growth, managing branch operations, leading high-performing teams, and ensuring regulatory compliance while delivering exceptional customer experience.
• This role requires a results-driven leader who can aggressively mobilize deposits, grow loan portfolios, and deliver sustainable profitability in line with the bank’s strategic objectives.

Responsibilities

Business Growth & Revenue Generation

• Develop and execute strategies to drive deposit mobilization, loan disbursement, and overall revenue growth.
• Own and deliver on branch targets including deposits, loans, revenue, and profitability.
• Identify and onboard new customers, businesses, and partnership opportunities.
• Expand market share within Kano and surrounding regions through aggressive market penetration.

Leadership & Team Management

• Recruit, lead, and manage a high-performing branch team.
• Set clear performance targets and drive accountability across all team members.
• Implement structured training, coaching, and performance management initiatives.
• Foster a strong sales and performance-driven culture within the branch.

Risk Management & Compliance

• Ensure strict adherence to CBN regulations, internal policies, and credit risk frameworks.
• Maintain a healthy loan portfolio with minimal non-performing loans (NPLs).
• Enforce strong internal controls and compliance with banking standards.
• Proactively identify, assess, and mitigate operational and credit risks.

Customer Experience & Relationship Management

• Ensure delivery of excellent customer service and client satisfaction.
• Build and maintain strong relationships with high-value customers and stakeholders.
• Drive cross-selling of financial products tailored to customer needs.
• Handle escalations and ensure prompt resolution of customer issues.

Operations & Branch Management

• Oversee daily branch operations including credit processing, cash management, and service delivery.
• Ensure operational efficiency, cost control, and profitability of the branch.
• Maintain optimal utilization of branch resources and infrastructure.
• Ensure business continuity and operational readiness always.

Market Intelligence & Stakeholder Engagement

• Conduct market research to identify trends, risks, and growth opportunities.
• Develop strong relationships with regulators, community leaders, and business networks.
• Position the branch as a key financial partner within the Kano business ecosystem.

Key Performance Indicators (KPIs)

• Monthly Deposit Mobilization Volume
• Loan Disbursement & Portfolio Growth
• Portfolio at Risk (PAR) / NPL Ratio
• Revenue & Profitability Targets
• Customer Acquisition & Retention
• Team Productivity & Performance Metrics

Requirements

• Bachelor’s degree in Finance, Business Administration, Economics, or related field.
• MCIB (Member, Chartered Institute of Bankers of Nigeria) certification is required.
• Minimum of 5years experience strictly within a Microfinance Bank (MFB) with at least 3 years in a leadership role.
• Strong knowledge of Kano market, commercial terrain, and local business dynamics.
• Proven track record in deposit mobilization, loan disbursement, and revenue growth.
• Solid understanding of credit risk management and regulatory compliance.
• Excellent leadership, communication, and stakeholder management skills.
• Strong analytical and decision-making capabilities. 
• Must reside in Kano State, with preference for candidates based in or around Dawakin Kudu and its environs.