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Summary: 

Head of Retail Operations plans and directs the operations of all retail store. Develops strategies to improve customer service, drive store sales and increase profitability. Ensures customers’ needs are met, complaints resolved and service is quick and efficient. Ensures all products and displays are merchandised effectively to maximize sales and profitability.

Job Description:

• Communicate and lead teams to deliver the company’s vision, goals, expectations and policies while maintaining open communication channels for ideas, suggestions and feedback.
• Empower teams to deliver a great customer shopping experience.
• Delegate authority, responsibility and accountability to managers and create a coordinated, motivated management team.
• Analyze Profit and loss (P&L) for business opportunities and to create appropriate action plans / strategies; evaluate store conditions and operations to determine strengths and areas for improvement; reinforce strengths while developing and implementing improved practices and procedures.
• Monitor and analyze the internal and external business environment and manage the store’s competitive response.
• Communicate with director to cover the status/progress of store operations and management team.
• Manage the fiscal budget, in-stock, inventory, shrink, expenses including labor and supply
• management and cash control with a high level of integrity, urgency and responsibility and within the best interests of the organization.
• Maximize sales and profits by ensuring effective display and sales techniques, efficient ordering,
• scheduling and work planning to department managers and team members. Develop ordering and receiving  process. 
• Ensure each department’s signing and merchandising reflects the preferences of the local customer
• Manage facility assets including promptly addressing maintenance and safety issues and daily
• maintenance of floor conditions. 
• Ensure store operations are consistent with all aspects of federal, state and company health,
• safety and sanitation codes.
• Manage, support and develop managers through feedback, praise, and recognition;conduct weekly meetings to discuss stores’ progress, financial results,recommendations and training enhancements.
• Measure team member results and conduct regular evaluations of direct and indirect            reports; evaluate management team and store team members to determine areas that require additional training.
• Manage with a positive leadership style, provide an open door atmosphere and ensure fair and consistent treatment in employment decisions and in administrating discipline, to promote positive team member morale.
• Train and coach store managers on all KPIs, product processing, customer service, product knowledge, suggestive selling, safety and sanitation; ensure department managers effectively communicate and train their department team members.
• Provide guidance in product and supply ordering, equipment setup, department organization and vendor assistance.
• Use initiative, ingenuity, creativity and good judgment to act on opportunities and issues as they occur within the store location; teach and advise store manager on sound decision-making principles and application in daily operations.
• Demonstrate a thorough and continually updated knowledge of store operations and            seasonal and market trends in order to provide expertise and assistance to all stores.
• Ensure the location is properly stocked and merchandised in accordance with the needs of the community; educate team members on the effect of market area conditions and seasonal variations on product and sales.
• Manage neighbor hood partnerships by leveraging corporate resources and strategies; develop and maintain a positive image by participating and partnering in community events.
• Establish and maintain a professional working relationship with customers, team members, schools, vendors, suppliers and regulatory agencies.
• Ensure all policies, programs and directives are communicated and executed in a positive and timely manner.Perform other job-related duties as assigned.
• Develop promotion plan to boost sales of specials. Implement pricing strategy based on competitive review of market and aligned revenue goals.

Critical Competencies and Skills required:

• Builds Trust & Loyalty
• Builds Partnerships & Teams
• Coaches & Develops Others
• Merchant and Brand
• Drives Customer  Focus
• Facilitates Innovation  & Change
• Executes Operational Decisions
• Business and Results
• Inspires Achievement of Results
• Displays Business & Financial Acumen

Qualification

• Applicants must have a good University degree in any relevant field of study.
• Proficiency in the use of MS Office Suites, Retail software, Quick Books and Tally Accounting packages.

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Summary

The senior credit officer is responsible for the review of the organization’s loan portfolio on a continuing basis in order to prevent loss; assure documentation is in compliance with loan committee approvals and ensure internal compliance objectives are met. 

Job Description

• Oversee the full range of managerial duties for the loan review, compliance, collections and credit analysis functions including adherence to policies and practices of the organization.
• Implement a system of credit analysis and quality assurance for loans made as required by board directives.
• Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance; review technical exceptions and deficiencies.
• Prepare written analyses on all large loans, aggregate lending vs. indebtedness for individual borrowers, complex loans and weak loans.
• Identify problem loans, make recommendations for assignment of loans to review loan list that is reviewed quarterly with the board; discuss the status of problem loans with the CFO and senior lending officers and may make recommendations regarding the future credit information needs.
• Provide quarterly analyses of the adequacy of the allowance for loan and lease losses for board discussion.
• Prepare periodic board reports.
• Prepare periodic studies of various portions of the loan portfolio including past due reports, concentrations of credit, etc. for the benefit of supervisory and executive officers.
• Evaluate and recommend policy changes based on compliance or loan reviews and the dissemination of other pertinent facts.

Skills Experience

·         Bachelor’s degree in a related field.

• Minimum 4-5 years experience in bank lending, loan review and/or compliance and loan review/compliance procedures and policies.
• Financial Management.
• Problem Solving/Analysis.
• Presentation Skills.
• Technical Capacity.