Branch Manager

Description

Job Title: Branch Manager (02 Position)

Reports To: Operations Manager

Supervises: Loans Officers, Customer Care & Internees

Department: Credit Operations Department

Duty Station: Kyaliwajjala/Nateete/Kajjansi

Employment Type: Full-time, 1-year renewable contract 

About Us

MN HITTA Financial Services Ltd is a credit company licensed by the Uganda Microfinance Regulatory Authority (UMRA). We provide short-term loans to individuals and small businesses through our branches in Kyaliwajjala, Nateete and Kajjansi, supported by a head office. We manage loans, collections and staff performance on a digital system, and we plan to open more branches.

Job Purpose

The Branch Manager will run the branch as a business and will be accountable for its growth, loan quality and profit. The role leads and develops the Loans Officers, protects the loan portfolio, and ensures that branch income covers and exceeds branch expenses every month. The Branch Manager will also ensure that every client is served fairly, transparently and with respect.

Key Duties and Responsibilities

Business Growth and Portfolio Management

• Grow the branch client base and loan book with new, quality clients every month.

• Set monthly targets for each Loans Officer and track progress daily.

• Lead branch marketing, community mobilisation and client sensitisation activities.

• Build strong client relationships that bring good clients back for repeat loans.

Portfolio Quality and Risk Management

• Review loan appraisals and confirm full documentation before every disbursement.

• Monitor repayments daily and act early on any missed payment.

• Achieve overall collections of at least 95% and keep portfolio at risk (PAR) below 5%.

• Lead the follow-up and recovery of overdue loans with the Loans Officers.

• Detect, report and prevent fraud at the branch.

Branch Profitability and Cost Control

• Run the branch as a profit centre with clear monthly income and expense goals.

• Ensure branch income covers and exceeds branch expenses every month.

• Control branch costs and keep spending focused on activities that grow results.

People Leadership and Performance Management

• Supervise, coach and mentor Loans Officers, including joint field visits.

• Hold daily team briefings to set priorities and review results.

• Appraise each Loans Officer monthly against agreed targets and give clear feedback.

• Build a disciplined, honest and results-focused team.

Operations, Compliance, Client Protection and Reporting

• Reconcile daily disbursements and collections, and ensure all client and loan records are captured accurately and on time in the digital system.

• Submit accurate daily, weekly and monthly reports to the Operations Manager and Managing Director.

• Ensure compliance with HITTA credit policy, UMRA requirements and the Data Protection and Privacy Act.

• Ensure every client is treated fairly, with transparent terms and respectful, ethical collection practices.

• Resolve client complaints promptly and professionally.

Key Performance Indicators

• Growth in new clients and in the branch loan book against monthly targets.

• Overall collections of at least 95%.

• Portfolio at risk (PAR) below 5%.

• Branch net profit, with branch income above branch expenses.

• Loans Officer performance against monthly targets.

• Accuracy and timeliness of reports and records.

Qualifications and Experience

• Diploma or Bachelor's degree in Microfinance, Business Administration, Finance, Accounting, Economics or a related field from a recognised institution.

• At least 2 years of experience in microfinance or credit operations, including at least 1 year supervising a team or branch.

• Proven record of growing a loan portfolio while keeping portfolio quality high.

• Knowledge of Uganda's Tier 4 microfinance regulatory framework is an added advantage.

• A professional qualification in credit management or microfinance is an added advantage.

• Computer literacy, including MS Office, digital loan systems and mobile money platforms.

• Fluency in English and Luganda; other local languages are an added advantage. 

• Willingness to work at any HITTA branch, including new branches as the company grows.

Key Competencies

• Leadership and coaching.

• Sales and business development.

• Credit analysis and risk judgement.

• Numeracy and financial management.

• Integrity and professional conduct.

• Negotiation and recovery.

• Communication and client relationships.

• Problem solving.

• Resilience under pressure.

• An owner's mindset and accountability for results.

What We Offer

• A competitive base salary.

• A monthly bonus as a share of the branch profit you create.

• Clear monthly targets and a fair, transparent appraisal.

• Career growth as HITTA opens new branches.

• Digital tools that make branch management simpler.

How to Apply

• All applications are received and reviewed through the BrighterMonday Portal by clicking "Apply Here".

• Selection process: Online interview, written assessment and physical interview

• Only shortlisted candidates will be contacted.

• MN HITTA Financial Services Ltd does not charge any fee at any stage of the recruitment process.