Job Title: Branch Manager
Department: Operations and Credit Portfolio
Reports To: Operations Manager
Duty Station: Bakaro Branch
Background
Asal Microfinance is a growing financial institution in Somalia, committed to providing accessible and
impactful financial services. Since its establishment in 2020, the company has offered micro loans, savings
products, and a Buy Now Pay Later (BNPL) solution for essential goods, all fully compliant with the Central
Bank of Somalia’s regulatory framework and operational requirements.
Asal Microfinance operates as a key component of the broader Asal Group, which also includes Asal
Express, a trusted money transfer operator founded in 2019. Asal Express provides secure and reliable
remittance services through partnerships such as Western Union, Deero LLC, HelloPaisa, Tayo, and MPesa, enabling efficient remittances from the Somali diaspora to local communities across the country.
Together, Asal Microfinance and Asal Express create an integrated financial ecosystem that combines
efficient international remittances with innovative local financial solutions- empowering individuals,
strengthening small businesses, and expanding financial access for underserved communities.
Job Summary
The Branch Manager leads and oversees all branch operations to achieve operational excellence, business
growth, and financial performance. The role drives branch loan and remittance target, leads client
onboarding and loan appraisal, ensures accurate capture of customer information in the system, and
maintains high standards of customer service. The Branch Manager directly supervises the branch’s Loan
Officers and Sales/Client Acquisition Officers. The Branch Manager reports to the Operations Manager and
coordinates with the collections team on handover of overdue accounts while remaining accountable for
branch origination quality, growth, and service.
Primary Responsibilities:
1. Branch Operations & Administration
• Oversee the day-to-day operations of the branch, including loan application processing, disbursement,
customer service, and remittance operations.
• Manage branch administrative tasks and maintain a client-ready environment.
• Monitor service quality, handle client complaints, and manage escalated issues.
• Train and mentor staff on systems, processes, and customer-service standards, ensuring full adherence to
SOPs, policies, and compliance requirements.
• Enforce strict confidentiality and data-protection protocols to safeguard client information.
2. Business Growth and Marketing
• Drive branch growth by actively promoting all Asal products and achieving monthly disbursement,
portfolio-size, and client-acquisition targets.
• Lead client acquisition and retention and support marketing initiatives to expand outreach.
• Monitor competitor activity and recommend strategies to stay ahead.
• Ensure all growth activities are conducted responsibly and in alignment with risk, compliance, and
institutional policies.
3. Onboarding, Appraisal and Data Integrity
• Lead client onboarding and conduct client assessments to evaluate creditworthiness and repayment
capacity.
• Review and appraise loan applications and approve within delegated authority; escalate applications
above branch limits to the Operations Manager.
• Ensure all client and loan information is accurate, complete, and entered into the Musoni system on time.
• Ensure all BNPL and loan financing comply with credit and operational policies and procedures.
4. Portfolio Coordination and Team Management
• Coordinate with the Credit Manager and Collection Officers on timely handover and follow-up of overdue
accounts.
• Monitor branch Portfolio at Risk and support recovery efforts in collaboration with the collections team.
• Monitor individual staff performance, targets, and productivity to ensure achievement of branch goals and
set KPIs.
5. Compliance, Risk and Financial Performance
• Ensure compliance with AML/KYC requirements and proper client screening as per CBS regulations.
• Maintain comprehensive records of all branch activities, transactions, and compliance reports for audits
and inspections.
• Ensure the branch meets profitability targets by driving revenue growth while maintaining strong portfolio
quality.
• Provide regular performance reports and recommendations for improvement.
Key Performance Indicators (KPIs)
• Achievement of monthly disbursement, portfolio-size, and client-acquisition targets.
• Quality of loan appraisals and portfolio health at origination.
• Data accuracy and completeness in the Musoni system.
• Customer service quality and complaint-resolution timeliness.
• Branch profitability and healthy PAR levels.
• Staff productivity and achievement of set KPIs.

Required Qualifications:
• Bachelor’s degree in Business Administration, Accounting, Finance, or a related field.
• Minimum of 3 years’ experience in microfinance, banking, or financial services.
• Demonstrated ability to lead, supervise, and motivate a team to meet performance targets.
• Proficiency in Musoni or other digital financial systems.
• Excellent understanding of client relationship management and a client-focused approach aligned with
microfinance principles.
• Analytical and decision-making skills with the ability to interpret portfolio data.
• Excellent verbal and written communication skills.
Supervisory Role and Key Working Relationship
• Supervisory Role: Supervises assigned branch staff, including Loan Officers and Client Services Officers.
• Reports to: Operations Manager.
• Internal: Branch staff (Loan Officers, Client Services Officers), Collection Manager, Finance Department,
Compliance Officer, and HR.
• External: Clients and local authorities (if required).

How to Apply
Interested candidates should email their updated CV and cover letter to [email protected] with
the job title as subject line. Only shortlisted candidates will be contacted for interview.
NOTE: Female Candidates are strongly encouraged to apply.
Deadline: 18th July 2026, 11:59 P.M (EAT)