{"id":4224175,"url":"https://alion.io/job/dream-financial-services-branch-supervisor-2","title":"Branch Supervisor","company":{"id":4538505,"name":"Dream Financial Services","domain":"dreamfinance.co.mw","url":"https://alion.io/company/dream-financial-services","size_band":null,"is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":null,"truth_index":null},"role":"Field & Service","role_family":"Field & Service","seniority":null,"employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Blantyre, Malawi"],"countries":["MW"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[{"name":"Microsoft Excel","optional":false},{"name":"QuickBooks","optional":false}],"status":"live","first_seen_at":"2026-11-13T04:50:00Z","employer_posted_date":null,"last_verified_at":"2026-11-13T04:50:00Z","board_verified":false,"closed_at":null,"days_open":2,"trust":{"level":"not_scored","repost_count":null,"flags":[],"days_open":2},"description":"DREAM FINANCIAL SERVICES LTD\nDREAM FINANCIAL SERVICES LTD\n\nDream Financial Services Ltd is a fast-growing, licensed Deposit-Taking Microfinance Institution (DTMI) committed to providing inclusive financial solutions across Malawi, regulated by the Reserve Bank of Malawi. It offers financial services to micro, small and medium-sized enterprises (MSMEs), low and medium-income individuals as well as groups (cooperatives).\n\nDFS LTD is hiring skilled individuals to join our growing team in the following position tenable at our offices in BLANTYRE:\n\nBRANCH SUPERVISOR\n\nJOB PURPOSE\nReporting directly to the Chief Operations Manager, the Branch Supervisor will serve as the Head of Branch, taking full executive accountability for total branch performance, operational leadership, credit portfolio quality, and administrative control. The successful candidate will lead the branch staff, drive aggressive growth across all institutional financial products (Micro & Business Loans, Payroll Loans, Asset Financing, and Savings/Deposit Mobilization), enforce compliance, and maintain a high standard of client service.\n\nKEY RESPONSIBILITIES\n1. Overall Branch Leadership & Administrative Management\n\nLead, direct, and oversee day-to-day administration, workflows, and staff management at the branch.\n\nServe as the primary decision-maker at the branch level, fostering a high-performance culture, operational efficiency, and teamwork.\n\nManage branch operational budgets, maintain physical and digital security protocols, and safeguard all branch assets, vault cash, and client records.\n\n2. Multi-Product Portfolio Management & Business Development\n\nDevelop aggressive business growth and market penetration across all institutional products, including Micro & Business Loans, Payroll/Salary Loans, Asset Financing, and Insurance premium loans and Savings/Deposit Mobilization.\n\nFormulate and execute branch-level business strategies to achieve target metrics for active client acquisition, loan book growth, loan disbursements, and deposits.\n\nDirectly supervise, coach, and evaluate account relationships officers and all staff to ensure performance targets are met or exceeded.\n\n3. Credit Approval, Portfolio Quality & Risk Control\n\nReview all credit applications to ensure compliance with requirements for submission to the credit committee for consideration and approval.\n\nConduct credit appraisals, verify collateral valuations, and ensure thorough background checks prior to recommending facilities for consideration by the credit committee.\n\nMaintain continuous oversight of Portfolio at Risk (PAR) across all products, ensuring a strict Zero-Tolerance approach to delinquency.\n\nFormulate and lead branch recovery actions, legal execution processes, guarantor engagements, and collateral realisations for non-performing loans.\n\n4. Regulatory Compliance & Audit Alignment\n\nEnsure total branch operations comply with Reserve Bank of Malawi (RBM) prudential regulations, Financial Intelligence Authority (FIA) AML/CFT guidelines, and internal institutional policies.\n\nLead internal and external audit preparedness, promptly addressing and resolving any audit findings or deficiencies.\n\nPrepare comprehensive weekly, monthly, and quarterly branch performance reports for the Head Office, detailing financial growth, credit quality, deposit trends, and operational expenditure.\n\nQUALIFICATIONS AND EXPERIENCE\n\nEducation: Bachelor’s Degree in Microfinance, Banking, Business Administration, Finance, Economics, or a related commercial discipline.\n\nExperience: Minimum of 4 to 6 years of progressive experience in microfinance or retail banking credit operations, with at least 2 to 3 years in a supervisory or leadership capacity (such as a Branch Manager, Credit Supervisor, or Branch Manager) within a deposit-taking microfinance institution or commercial bank.\n\nKnowledge: Deep mastery of multi-product credit appraisal methodologies, individual and corporate lending frameworks, deposit mobilization strategies, vault/cash management, and local regulatory frameworks (RBM/FIA).\n\nTechnical Skills: Proficiency in core banking systems (CBS) or financial management systems (e.g. QuickBooks/Microfinance Software platforms) and advanced Microsoft Excel skills.\n\nKEY COMPETENCIES & PERSONAL ATTRIBUTES\n\nStrategic leadership, team management, and organizational decision-making skills.\n\nProven track record of growing a balanced loan portfolio and mobilizing client deposits.\n\nStrong financial analysis, credit risk assessment, and decision-making capabilities.\n\nHigh integrity, professional ethics, and uncompromising commitment to fraud prevention.\n\nExceptional negotiation, conflict resolution, and written/verbal communication skills.\n\nHOW TO APPLY\nVisit: dreamfinance.co.mw/careers\n\nClosing Date: 20th November 2026\n\nScan to see our current vacancies.\n\nLive Your Dream","description_format":"text","description_chars":4866,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":[],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Business & SME Lending","Microfinance"],"lifecycle":[{"event":"open","at":"2026-11-13T07:00:35Z"}],"visa":[],"liveness":{"score":86,"band":"hot","label":"Hiring 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