Branch Manager

Branch Manager

Company: BRAC Ghana Savings and Loans Ltd.
Location: Ahenema Kokoben, 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 solutions and supporting individuals, entrepreneurs, and communities in Ghana. Through customer-focused financial services, the institution seeks to promote financial inclusion, responsible lending, savings mobilisation, and sustainable economic development.

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The Company aims to deliver reliable, accessible, and responsible financial services while maintaining strong operational controls, regulatory compliance, and excellent customer service.

2. Welcome to BRAC Ghana Savings and Loans Ltd.

At BRAC Ghana Savings and Loans Ltd., we believe that strong leadership, customer satisfaction, and responsible financial services create lasting value for individuals and communities.

We invite a motivated, results-oriented, and customer-focused professional to join our team as a Branch Manager at Ahenema Kokoben.

In this role, you will lead branch operations, guide and motivate employees, build strong customer relationships, and drive sustainable business growth. You will also ensure that the branch meets its performance targets, maintains high service standards, and complies with the Company’s policies and applicable financial regulations.

If you are passionate about leadership, business development, financial inclusion, and empowering teams to achieve meaningful results, we welcome you to explore this exciting opportunity.

3. Role Purpose

The Branch Manager provides strategic and operational leadership for the branch, ensuring that it achieves its business objectives while maintaining sound financial controls, responsible lending practices, regulatory compliance, and excellent customer service.

The successful candidate will oversee daily branch activities, develop business opportunities, manage credit and operational risks, supervise employees, and strengthen relationships with customers and the surrounding community.

4. Key Responsibilities

A. Branch Operations and Administration

• Manage the branch’s daily operations to ensure efficiency, accuracy, and compliance with established procedures.
• Coordinate branch activities and ensure that employees complete their assigned responsibilities effectively.
• Monitor operational processes, identify service gaps, and implement improvements.
• Ensure the accurate processing and maintenance of customer transactions, account records, and branch documentation.
• Monitor cash management, reconciliation, and other operational controls in accordance with Company policies.
• Maintain proper custody and security of branch assets, financial records, and sensitive information.
• Prepare and submit accurate branch performance reports within established deadlines.
• Ensure that the branch maintains a professional, organised, and customer-friendly working environment.

B. Business Development and Growth

• Develop and implement branch business plans that support the Company’s growth strategy.
• Drive savings mobilisation, customer acquisition, loan portfolio growth, and other approved business development initiatives.
• Identify opportunities to expand the branch’s customer base and increase the uptake of appropriate financial products.
• Build relationships with individuals, traders, small business owners, community groups, and other potential customers.
• Conduct market assessments to identify customer needs, competitor activities, and new business opportunities.
• Monitor branch performance against assigned targets and implement corrective actions where necessary.
• Encourage employees to pursue business opportunities ethically and responsibly.
• Promote financial inclusion by helping customers understand and access suitable financial services.

C. Credit Management and Loan Portfolio Quality

• Oversee the loan application, appraisal, approval, disbursement, and monitoring processes in line with the Company’s credit policies and delegated authority.
• Ensure that credit assessments consider customers’ repayment capacity, financial circumstances, and applicable lending requirements.
• Monitor loan portfolio performance and identify accounts that show signs of repayment difficulties.
• Lead efforts to improve loan repayment rates and minimise portfolio delinquency and credit losses.
• Coordinate appropriate follow-up activities for overdue loans in accordance with approved recovery procedures.
• Ensure that employees conduct customer due diligence and maintain complete, accurate credit documentation.
• Review portfolio reports regularly and implement strategies to address emerging credit risks.
• Promote responsible lending practices and protect customers from unsuitable financial commitments.
• Escalate significant credit concerns and recommend appropriate action to the relevant management team.

D. Customer Service and Relationship Management

• Promote a customer-first culture across all branch activities.
• Ensure that employees provide timely, respectful, transparent, and professional service.
• Address customer complaints and service concerns promptly and fairly.
• Strengthen relationships with existing customers and develop strategies to improve customer retention.
• Ensure that employees explain financial products, fees, terms, and obligations clearly.
• Monitor customer feedback and use it to improve service delivery.
• Promote fair treatment, confidentiality, and responsible handling of customer information.
• Represent the Company professionally during customer engagements and community activities.

E. Team Leadership and Staff Development

• Lead, supervise, and motivate branch employees to achieve operational and business objectives.
• Communicate individual and team performance expectations clearly.
• Set performance targets, monitor results, and provide constructive feedback.
• Identify staff development needs and coordinate relevant coaching and training activities.
• Promote teamwork, accountability, discipline, and professional conduct.
• Conduct performance reviews and support employee development in accordance with Company policies.
• Address workplace challenges promptly and refer matters requiring further intervention to the appropriate department.
• Support recruitment, onboarding, and integration of new branch employees where required.
• Foster a respectful and inclusive working environment that encourages employees to perform at their best.

F. Risk Management and Regulatory Compliance

• Ensure that branch activities comply with applicable laws, regulatory requirements, and the Company’s internal policies.
• Implement internal controls that help prevent fraud, financial misconduct, errors, and unauthorised transactions.
• Enforce Know Your Customer (KYC), customer due diligence, and applicable anti-money laundering and counter-terrorist financing requirements.
• Monitor branch activities for unusual transactions, suspicious conduct, and potential policy violations, and escalate concerns through the appropriate channels.
• Ensure that employees follow approved procedures for handling cash, processing transactions, managing credit, and maintaining records.
• Identify operational, credit, compliance, and reputational risks and implement appropriate mitigation measures.
• Cooperate with internal and external auditors during inspections and reviews.
• Ensure that audit findings receive timely attention and that corrective actions are implemented.
• Protect customer information and maintain appropriate confidentiality and data security practices.
• Report significant incidents, control weaknesses, and compliance concerns to the appropriate management team.

G. Financial Performance and Reporting

• Monitor branch income, operating costs, portfolio quality, savings mobilisation, and other approved performance indicators.
• Review financial and operational reports to assess branch performance against business targets.
• Prepare periodic reports outlining achievements, challenges, risks, and recommended improvements.
• Manage branch expenditure responsibly and operate within approved budgets.
• Identify opportunities to improve productivity, control costs, and enhance profitability.
• Maintain accurate supporting documentation for financial 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 customers, community leaders, local businesses, and relevant stakeholders.
• Represent the branch professionally at approved community meetings and business development activities.
• Promote awareness of the Company’s savings, credit, and other approved financial products.
• Identify community financial needs and communicate relevant market insights to management.
• Support initiatives that encourage responsible financial behaviour, savings habits, and financial literacy.
• Maintain the Company’s reputation by demonstrating integrity, professionalism, and respect in all stakeholder interactions.

5. Qualifications and Experience

Candidates should possess the following qualifications and experience:

• 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.
• Demonstrated 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 requirements, and anti-money laundering procedures.
• 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.

BRAC Ghana Savings and Loans Ltd. 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: Leads by example, sets clear expectations, and takes responsibility for branch performance.
• Business development: Identifies opportunities, builds customer relationships, and drives sustainable growth.
• Customer focus: Prioritises customer satisfaction, fair treatment, and service excellence.
• Credit and risk management: Makes informed decisions and proactively manages credit and operational risks.
• Communication: Communicates expectations, decisions, and business information clearly.
• Analytical thinking: Interprets financial and operational data to guide decisions.
• Integrity and professionalism: Upholds ethical standards, protects confidential information, and follows established procedures.
• Team development: Coaches employees, encourages collaboration, and supports continuous improvement.
• Results orientation: Works towards measurable objectives while maintaining quality and compliance.
• Adaptability: Responds effectively to changing customer needs, market conditions, and business priorities.

7. Performance Expectations

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

• Achievement of approved branch business and financial targets.
• Growth in customer acquisition and savings mobilisation.
• Loan portfolio quality and repayment performance.
• Customer satisfaction and complaint resolution.
• Operational efficiency and accuracy of branch records.
• Compliance with regulatory requirements and internal policies.
• Staff productivity, performance, and development.
• Risk management, audit outcomes, and implementation of corrective actions.

Performance will be assessed against the Company’s approved objectives, targets, and evaluation procedures.

8. Reporting Relationship

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

The role requires regular collaboration with relevant departments, including Credit, Finance, Operations, Human Resources, Risk, Compliance, and Internal Audit.

9. How to Apply

Apply online by clicking the Apply button.

Application Deadline: 23 October 2026

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