• Application Deadline:
• Position: Branch Manager



• Job Type Full Time



• Qualification BA/BSc/HND , MBA/MSc/MA



• Experience 5 - 7 years



• Location Lagos




• Job Field Sales / Marketing / Retail / Business Development 
  
  

Responsibilities

• Develop and execute branch business strategies to achieve set financial targets.


• Drive deposit mobilization, credit growth, and revenue diversification initiatives.


• Expand the branch’s customer base and market share through proactive marketing and partnerships.


• Promote cross-selling of bank products and services to enhance customer value.


• Supervise loan processing, disbursement, monitoring, and recovery activities.


• Maintain a healthy loan portfolio by ensuring PAR (Portfolio at Risk) remains below 5%.


• Enforce compliance with credit policies, risk assessment standards, and CBN regulations.


• Identify, evaluate, and mitigate operational and credit risks across branch activities.


• Oversee all daily branch operations, including cash management, account opening, and service delivery.


• Ensure strict adherence to AML/CFT, KYC, and other regulatory and internal control standards.


• Implement and monitor operational policies to ensure efficiency and accountability.


• Liaise with auditors, regulators, and stakeholders to maintain a positive compliance record.


• Lead, coach, and develop branch staff to achieve individual and team performance goals.


• Conduct regular team meetings to review targets, performance gaps, and improvement plans.


• Support HR processes including recruitment, onboarding, appraisal, and discipline.


• Foster a culture of teamwork, accountability, and continuous improvement.


• Ensure excellent customer service delivery and prompt resolution of complaints.


• Build and sustain strong relationships with key customers and community stakeholders.


• Track branch financial performance and prepare timely weekly and monthly reports.


• Analyze variances and recommend corrective actions to achieve set goals.


• Identify opportunities for operational improvement and digital transformation.

Key Performance Indicators

• Loan Portfolio Growth – Achieve ≥ 90% of annual branch loan disbursement target while maintaining quality lending standards.


• Portfolio at Risk (PAR >30 days) – Maintain PAR ≤ 5% of total loan portfolio.


• Deposit Mobilization – Achieve ≥ 90% of monthly and annual deposit mobilization targets.


• Profitability – Ensure the branch meets or exceeds its monthly and annual profitability targets.


• Customer Retention Rate – Maintain ≥ 85% customer retention through excellent service and relationship management.


• Regulatory & Policy Compliance – Ensure 100% compliance with CBN regulations, internal policies, and audit standards.


• Internal Control Effectiveness – Maintain > 90% compliance in all internal control and audit reviews.


• Operational Efficiency – Ensure all customer transactions (loans, deposits, withdrawals) are processed within established turnaround times (<5 minutes for cash transactions).


• Delinquency Management – Achieve ≥ 95% loan recovery on performing accounts and manage delinquent accounts effectively.


• Financial Reporting Accuracy – Ensure ≥ 99% accuracy in daily, weekly, and monthly financial and operational reports.


• Reporting Timeliness – Submit all required reports (financial, operations, risk) 100% on or before deadline.


• Risk Management & Mitigation – Maintain > 90% adherence to risk management protocols across all products and services

Qualifications and Requirements

Education:

• Bachelor’s degree in Business Administration, Finance, Economics, or related field (MBA is an added advantage).


• Must have 5–7 years of banking experience, with at least 3 years in a supervisory or managerial role.


• Strong knowledge of banking operations, credit management, and regulatory frameworks.


• Proven leadership, analytical, and interpersonal skills.

Key Skills:

• Strategic Thinking & Planning


• Executive Leadership & Team Management


• Effective Communication & Presentation


• Analytical & Problem-Solving Ability


• Change Management & Adaptability


• Change & Transformation Leadership


• Negotiation & Conflict Resolution


• Emotional Intelligence & Empathy


• Time Management & Organization


• Attention to Detail & Accuracy


• Confidentiality & Discretion


• Collaboration & Stakeholder Engagement

Competencies:

• Strategic thinking and decision-making


• Leadership and team management


• Business development and negotiation


• Risk assessment and compliance oversight


• Customer-centric mindset


• Communication and problem-solving skills