REGIONAL MANAGER-MIDDLE REGION

With 75 years of experience, our focus is on helping the most vulnerable children overcome poverty and experience fullness of life. We help children of all backgrounds, even in the most dangerous places, inspired by our Christian faith.

Come join our 31,000+ staff working in nearly 100 countries and share the joy of transforming vulnerable children’s life stories!

Key Responsibilities:

JOB PURPOSE The Regional Manager is responsible for the managing a cluster of branches in a defined zone to deliver set institutional objectives. The role shall offer leadership to a team of staff to deliver services and in strict accordance with the Institutions' Standards.

2. RESPONSIBILITIES

Business Development

· Lead the implementation of institutional strategies to realise business objectives of the region

· Supervise a network of branches to deliver products and services to target clients in the region

· Devise and guide the implementation of marketing strategies’ to achieve all business objectives

· Prepare Regional business plans and budgets

· Identify new markets for expansion to achieve scale and impact

· Assess competitor environment through surveys and coordination of research activities and feedback to relevant departments for further action.

· Use market information to position the institution competitively in the market and deliver solutions to position the institution competitively

· Provide guidance and support to the branch managers on business development activities

· Actively engage staff by equipping them with the needed skill set to drive business objectives

Operations

· Participate in the process of strategic planning for programme implementation, expansion and sustainability

· Ensure all branch processes and procedures’ are consistent with institutional policies and procedures

· Ensure that all credit products are delivered to clients within acceptable terms and conditions

· Monitor branch activities to ensure full compliance with institutional policies

· Appraise and Approve loans as defined in the institutional approval limits

· Reviews loan agreements to ensure that they are complete and accurate according to policy

· Review and recommend possible adjustment and improvement of credit methodology to Senior management

· Lead the management of portfolio quality by working with branches and team members to ensure recovery of loans advanced to clients

· Advise SLT on key market and industry risks to shape formulation on Institutional strategies

· Ensure full recovery of all loans disbursed to clients

· Conducts regular audit of branch managers

· Coordinates follow-up of delinquent clients

· Ensures that all disbursements and repayment of loans are monitored and tracked

· Ensures the accuracy of loan portfolio information in the computerized/manual system

Finance

· Monitors all branches bank reconciliations

· Ensures the monitoring and reconciliation of all records or paper trail from client’s appraisal through credit committee, disbursements and to repayments on a regular basis

· Ensures that proper books of accounts are kept by the branches

· Ensure the operational and financial sustainability of all branches

People & Culture

· Lead teams to unearth the potentials of your staff

· Support the Operations Manager in Training of Field Staff

· Support the P&C department in the recruitment of staff for Branches within the Region

· Liaise with P&C to ensure safety and wellness in the branches

· Understand the challenges of branch managers by regular communications with them and liaise with relevant departments/managers to provide the needed support

· Monitor the performance of Branch Managers to ensure high quality portfolio, low delinquency, and minimal default rate

· Conduct staff appraisals

· Ensure high levels of discipline amongst all staff

Integration

· Coordinate all activities aimed at integration with World Vision Ghana

· Guide Branch managers on Savings Groups linkages and Value Chain activities to drive successful integration with World Vision Ghana and other partners

· Ensure timely and accurate reporting of all Integration activities as required

· Ensure that Branch managers attend regular meetings with WVG

· Attend monthly and quarterly meetings with WVG

· Provide monthly / quarterly reports to SLT as required

· Liaise with the Marketing team to ensure that integration activities are correctly captured and communicated in relevant marketing materials

Administration

• •Manage all logistics in the Region with Care
• •Liaise with Administration Unit to ensure that all logistics needed for work are available

3. FORMAL EDUCATION:

· A minimum of a first bachelor’s degree plus certification in Business development/Marketing

· A Master’s degree in a Microfinance/ business development course is an advantage

· A good understanding of credit risk management, accounting and a flair for marketing will be an added advantage.

4. AUTHORITY LIMIT:

Approve loan applications within set limits

5. INTERNAL RELATIONS:

Liaises with Operations, Business development, Risk, Finance and People & Culture Department

6. EXTERNAL RELATIONS:

Banks, Clients

7. EXPERIENCE:

At least three years’ experience in similar position

8. SKILLS AND KNOWLEDGE:

Must have good business development skills and relate well with people from diverse backgrounds

Must have a good knowledge in microfinance methodologies, products and services

Must be very conversant with VF Ghana’s core objectives and business model

Must be dynamic, innovative and self-motivated

Must be willing and able to work effectively under pressure and be goal oriented

Must have strong organisational abilities

Applicant Types Accepted:

Local Applicants Only