Branch Manager

Kolomoni Microfinance Bank (Gambia) Limited is a CBG-licensed microfinance institution serving customers across The Gambia through a growing branch network. We are recruiting a Branch Manager to lead one of our branches. THE ROLE You will run the branch as a business, not a service point — accountable for its deposits, lending, customer base, portfolio quality, service standards, controls and people. You will build the branch's position in its catchment, lead a team across the counter, credit and customer service, and answer for what the branch delivers. You will report to the Managing Director, with functional guidance from Operations, Credit and Risk & Internal Control. WHAT YOU WILL DO Deliver the branch's deposit, lending, customer acquisition and revenue targets, and manage cost against budget. Build a credit pipeline of customers who will repay, and lead recovery action on those who do not. Hold portfolio quality within approved limits, monitoring arrears daily rather than monthly. Develop the branch's local market — merchants, employers, associations and agents in the catchment. Own the service standard at the counter and the control standard behind it: cash and vault under dual control, complete KYC before accounts go live, complete credit files before facilities leave the branch. Prevent, detect and report fraud and control breaches, and close audit and internal control findings on time. Set objectives for every role in the branch, coach the team, and address underperformance early. Requirements WHAT WE ARE LOOKING FOR A first degree in any discipline. An MBA or a professional qualification such as ICAN or CIBN is an advantage. At least six years in banking or microfinance, including two to three years supervising a team or a service location. A demonstrated record of delivering deposit, lending and customer acquisition targets. Practical command of branch cash operations, credit documentation and recovery. Working knowledge of KYC, AML/CFT and consumer-protection requirements. The discipline to hold a documentation standard when a deal is under time pressure.