Branch Manager

Branch Manager

Company: BRAC Ghana Savings and Loans Ltd.
Duty Station: Goaso, Ghana
Employment Type: Full-Time

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1. Company Profile

BRAC Ghana Savings and Loans Ltd. is a financial services institution committed to expanding access to financial services and supporting individuals, entrepreneurs, and communities across Ghana.

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Through its savings, credit, and other approved financial products, the Company seeks to promote financial inclusion, encourage responsible financial practices, and support sustainable economic development. It strives to deliver customer-focused services while maintaining strong governance, operational controls, and compliance with applicable financial sector regulations.

2. Welcome to BRAC Ghana Savings and Loans Ltd.

At BRAC Ghana Savings and Loans Ltd., we believe that effective leadership, strong customer relationships, and responsible financial services can create meaningful opportunities for individuals and communities.

We invite an ambitious, customer-focused, and results-oriented professional to join our team as a Branch Manager in Goaso.

In this role, you will lead branch operations, inspire employees, build lasting customer relationships, and drive sustainable business growth. You will ensure that the branch achieves its performance targets while upholding high standards of customer service, financial accountability, risk management, and regulatory compliance.

If you are passionate about leadership, business development, and expanding access to responsible financial services, we encourage you to explore this opportunity and contribute to our mission.

3. Role Purpose

The Branch Manager leads the branch’s daily operations and drives its business performance in line with the Company’s strategic objectives.

The successful candidate will oversee branch administration, savings mobilisation, loan portfolio management, customer service, staff performance, financial reporting, and risk management. The role also requires the Manager to maintain strong internal controls, promote ethical conduct, and ensure compliance with applicable laws, regulatory requirements, and Company policies.

4. Key Responsibilities

A. Branch Operations and Administration

• Manage daily branch operations to ensure efficiency, accuracy, and compliance with approved procedures.
• Coordinate branch activities and ensure that employees complete their responsibilities effectively and on time.
• Monitor operational processes, identify inefficiencies, and implement appropriate improvements.
• Ensure accurate processing of transactions and proper maintenance of customer accounts and branch records.
• Monitor cash handling, reconciliations, and other financial controls in accordance with Company policies.
• Safeguard branch assets, financial records, equipment, and confidential information.
• Prepare and submit timely operational reports to the appropriate management team.
• Maintain an organised, secure, and professional branch environment.

B. Business Development and Growth

• Develop and implement branch business plans that support the Company’s growth objectives.
• Drive customer acquisition, savings mobilisation, loan portfolio growth, and other approved business initiatives.
• Identify new market opportunities and develop strategies to increase the branch’s customer base.
• Build strong relationships with individuals, traders, small business owners, community groups, and other potential customers.
• Assess local market conditions, customer needs, and competitor activities to identify opportunities for growth.
• Monitor business performance against assigned targets and implement corrective measures when necessary.
• Motivate employees to achieve business objectives while maintaining responsible sales practices.
• Promote appropriate financial products that meet customers’ needs and support financial inclusion.

C. Credit Management and Loan Portfolio Quality

• Oversee loan appraisal, processing, disbursement, and monitoring in accordance with the Company’s credit policies and delegated authority.
• Ensure that credit assessments consider customers’ repayment capacity and relevant financial information.
• Monitor loan portfolio performance and identify emerging repayment challenges.
• Develop and implement strategies to improve repayment rates and minimise delinquency and credit losses.
• Coordinate appropriate follow-up and recovery activities for overdue loans in line with approved procedures.
• Ensure that employees complete customer due diligence and maintain accurate credit documentation.
• Analyse portfolio reports and recommend measures to address credit risks.
• Promote responsible lending practices and ensure that employees explain loan terms and repayment obligations clearly.
• Escalate significant credit risks and recommend appropriate action to the relevant management team.

D. Customer Service and Relationship Management

• Promote a customer-first culture throughout the branch.
• Ensure that employees provide timely, respectful, transparent, and professional service.
• Address customer complaints and service concerns promptly and fairly.
• Build lasting relationships with existing customers and develop strategies to improve customer retention.
• Ensure that employees communicate financial product features, fees, terms, and conditions clearly.
• Monitor customer feedback and use insights to improve service quality.
• Protect customer confidentiality and promote fair treatment in all customer interactions.
• Represent the Company professionally in customer engagements and community activities.

E. Team Leadership and Staff Development

• Lead, supervise, and motivate branch employees to achieve business and operational objectives.
• Set clear performance expectations and communicate individual and team targets.
• Monitor staff performance and provide constructive feedback and coaching.
• Identify training needs and coordinate development activities to strengthen employee capabilities.
• Promote teamwork, accountability, discipline, and professional conduct.
• Conduct performance reviews in accordance with the Company’s procedures.
• Address workplace challenges promptly and escalate matters that require further intervention.
• Support the onboarding and integration of new employees where required.
• Foster a respectful, inclusive, and performance-driven workplace.

F. Risk Management and Regulatory Compliance

• Ensure that branch operations comply with applicable laws, regulatory requirements, and internal policies.
• Maintain effective controls to prevent fraud, financial misconduct, errors, and unauthorised transactions.
• Ensure that employees follow Know Your Customer (KYC), customer due diligence, and applicable anti-money laundering requirements.
• Monitor transactions and branch activities for unusual patterns or potential compliance breaches, and escalate concerns through approved channels.
• Enforce procedures for cash management, transaction processing, credit administration, and recordkeeping.
• Identify operational, credit, compliance, and reputational risks and implement appropriate mitigation measures.
• Cooperate with internal and external auditors during inspections, reviews, and investigations.
• Ensure that audit findings receive timely attention and that agreed corrective actions are implemented.
• Protect customer data and enforce appropriate information security and confidentiality practices.
• Report significant incidents, control weaknesses, and compliance concerns to the appropriate management team.

G. Financial Performance and Reporting

• Monitor branch income, operating expenses, savings mobilisation, loan portfolio quality, and other approved performance indicators.
• Review financial and operational reports to assess progress against business targets.
• Prepare accurate periodic reports outlining performance, challenges, risks, and recommendations.
• Manage branch expenditure within approved budgets and financial controls.
• Identify opportunities to improve productivity, control costs, and strengthen branch profitability.
• Maintain appropriate supporting documentation for transactions and management reports.
• Implement management directives and performance improvement plans within agreed timelines.

H. Community Engagement and Stakeholder Relations

• Build and maintain positive relationships with community leaders, local businesses, customers, and other stakeholders in Goaso and surrounding communities.
• Represent the branch at approved community meetings and business development activities.
• Promote awareness of the Company’s savings, credit, and other approved financial products.
• Identify local financial needs and communicate market insights to management.
• Support financial literacy initiatives that encourage responsible borrowing, savings, and financial planning.
• Uphold the Company’s reputation through professional, ethical, and respectful stakeholder engagement.

5. Qualifications and Experience

Candidates should demonstrate relevant academic qualifications, professional experience, and leadership capabilities.

• A bachelor’s degree in Banking and Finance, Accounting, Business Administration, Economics, Marketing, Management, or another relevant discipline.
• Relevant professional qualifications in banking, finance, credit management, or business administration will be an advantage.
• Relevant experience in banking, microfinance, savings and loans, credit management, or another financial services environment.
• Previous supervisory or managerial experience, preferably in branch operations or financial services.
• Knowledge of credit assessment, loan portfolio monitoring, savings mobilisation, customer relationship management, and operational controls.
• Familiarity with applicable financial sector regulations, KYC procedures, and anti-money laundering requirements.
• Strong numerical, analytical, problem-solving, and decision-making skills.
• Proficiency in Microsoft Office applications and relevant financial or branch management systems.
• Excellent written and verbal communication skills.
• The ability to lead teams, meet performance targets, and manage competing priorities effectively.

The Company should confirm the minimum years of experience, mandatory qualifications, and any additional role-specific requirements before publication.

6. Key Competencies

The ideal candidate will demonstrate:

• Leadership and accountability: Guides employees, sets clear expectations, and takes responsibility for branch performance.
• Business development: Identifies opportunities, builds customer relationships, and drives sustainable growth.
• Customer orientation: Prioritises customer satisfaction, fair treatment, and service excellence.
• Credit and risk management: Makes informed decisions and proactively manages financial and operational risks.
• Analytical thinking: Interprets financial and operational data to guide decisions.
• Communication: Shares information clearly and builds productive working relationships.
• Integrity and professionalism: Upholds ethical standards and protects confidential information.
• Team development: Coaches employees, encourages collaboration, and promotes continuous improvement.
• Results orientation: Achieves measurable objectives while maintaining service quality and compliance.
• Adaptability: Responds effectively to changing customer needs and business conditions.

7. Performance Expectations

The Branch Manager will be expected to contribute to measurable improvements in:

• Achievement of approved branch business and financial targets.
• Customer acquisition and savings mobilisation.
• Loan portfolio quality and repayment performance.
• Customer satisfaction and timely complaint resolution.
• Operational efficiency and accuracy of financial records.
• Regulatory compliance and adherence to internal policies.
• Staff productivity, development, and performance.
• Risk management and timely resolution of audit findings.

The Company will assess performance against approved business objectives and established performance management procedures.

8. Reporting Relationship

The Branch Manager will report to the designated regional or senior management representative and supervise assigned branch employees in accordance with the Company’s organisational structure.

The role requires close collaboration with Credit, Finance, Operations, Human Resources, Risk, Compliance, and Internal Audit teams.

How to Apply

Apply online by clicking the Apply button

Application Deadline: 23 October 2026

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