Regional Managers

Responsibilities




• Regional Business Growth: Develop and execute regional business strategies to achieve lending, disbursement, revenue and portfolio growth targets.


• Portfolio Management: Oversee the quality and performance of the regional loan portfolio, ensuring sustainable portfolio growth and effective management of portfolio-at-risk (PAR).


• Collections Performance: Drive collections strategies to improve repayment rates, reduce arrears, minimise defaults and strengthen overall money recovery.


• Multi-Branch Leadership: Provide leadership and performance oversight to Area Managers, Branch Managers and other regional teams, ensuring alignment with corporate objectives.


• Target Achievement: Translate corporate business objectives into measurable regional and branch targets, continuously monitoring performance against set KPIs.


• Market Expansion: Identify new business opportunities, assess market potential and drive customer acquisition, retention and geographical expansion.


• Credit Risk Management: Ensure adherence to credit policies, lending procedures, customer assessment standards and responsible credit practices.


• Operational Excellence: Monitor branch productivity, operational efficiency, cost management and utilisation of available business resources.


• Performance Management: Conduct regular performance reviews, coach underperforming managers and implement structured performance improvement interventions.


• Data Analysis and Reporting: Analyse regional performance reports, identify emerging trends and provide timely management reports with actionable recommendations.


• Compliance and Internal Controls: Ensure branches comply with company policies, regulatory requirements, audit standards and established operational controls.


• People Development: Build a high-performing regional team through talent development, succession planning, coaching and accountability management.



Skills & Requirements




• Bachelor's degree in Business Administration, Finance, Accounting, Economics, Commerce, Microfinance or a related field.


• A professional qualification in Credit Management, Banking, Finance or Business Management will be an added advantage.


• At least 5–8 years of relevant experience in microfinance, microcredit, banking, lending or financial services.


• At least 3 years in a senior leadership position managing multiple branches, territories or business units.


• Demonstrated experience in managing sizeable loan portfolios and multi-location teams.


• Strong understanding of credit risk, revolving credit products, collections and portfolio management.


• Strategic and commercial leadership.


• Multi-branch operations management.


• Credit and portfolio risk management.


• Advanced analytical and reporting skills.


• Financial and business acumen.


• Performance management and coaching.


• Negotiation and stakeholder management.


• Decision-making and problem-solving.


• Strong communication and interpersonal skills.


• High integrity and accountability.