Branch Manager, Dabi; Microfinance Programme

Job purpose

To manage overall day to day operation of a branch with major responsibilities consisting of managing the portfolio of Microfinance (Dabi), and other administrative activities in the branch.

About the role

BRAC is an international development organisation founded in Bangladesh that partners with over 145 million people living with inequality and poverty globally to create sustainable opportunities to realise potential. Working at BRAC is not like any other job. It is a platform where you can bring about real change for people who need it the most. We are not just dreaming of a better world, we are building it. Join us to find the way.

BRAC Microfinance provides people who cannot access traditional financial banking services with access to a suite of financial services, including loans, savings and microinsurance. Join the BRAC Microfinance team to help build a more financially-inclusive society, where everyone can access finance when they need it - safely, responsibly and sustainably.

Job Purpose: This role is responsible for managing the overall day-to-day operations of a branch, with major responsibilities including managing the Microfinance (Dabi) portfolio and other administrative activities in the branch.

Key Responsibilities:

• Oversee overall branch operations, managing a portfolio of 1,300–3,800 borrowers, a quality loan portfolio of BDT 10+ crore, and 8,000+ savers; ensure proper client screening, VO formation and member admission.
• Ensure daily loan and savings instalment collection targets of BDT 10 lakh, passbook verification, and timely recovery of overdue instalments.
• Review borrowers’ repayment history, admission and loan application forms; conduct client and project verification, complete investigation forms, and ensure appropriate loan assessment and approval.
• Ensure pre-disbursement orientation, financial literacy and FCP sessions; interview applicants and oversee timely disbursement in compliance with programme requirements.
• Ensure compliance with organizational circulars, operational guidelines, pilot projects and campaigns.
• Develop annual, quarterly and monthly branch targets in coordination with CDOs; monitor performance, prepare cash requisitions and coordinate cash management with banks.
• Verify and sign daily cash reports, bill vouchers and cash certificates; ensure timely submission and analysis of daily, weekly and monthly operational reports.
• Oversee staff-related processes in accordance with HRPP, including joining, leave, transfer, confirmation, promotion and separation; conduct regular staff meetings, assess performance and provide necessary guidance.
• Ensure proper maintenance of branch records, files, registers, office facilities, furniture, stationery and fixed assets.
• Foster a supportive working environment, address staff concerns, guide underperforming employees and maintain effective coordination with local administrative authorities.

Safeguarding Responsibilities:

• Ensure the safety of Programme Participants, people who come into contact with the organisation and team members from any harm, abuse, neglect, harassment and exploitation including sexual exploitation and abuse (SEA) to achieve the programme's goals of safeguarding implementation. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment.
• Practice, promote and endorse the issues of safeguarding policy among team members and ensure the implementation of safeguarding standards in every course of action.
• Follow the safeguarding reporting procedure in case any reportable incident takes place and encourage others to do so.

Additional Job Requirements:

• Strong understanding of microfinance operations, including loan disbursement, savings mobilization, collection procedures, portfolio management and borrower selection.
• Knowledge of financial management, cash handling, loan assessment, repayment analysis, portfolio quality monitoring and fraud prevention.
• Sound knowledge of HRPP, operational circulars, financial guidelines, internal controls and compliance requirements.
• Knowledge of branch-level budgeting, target setting, operational planning, reporting and resource management.
• Understanding of staff performance management, employee development, team supervision and administrative procedures.
• Ability to lead, supervise, motivate and develop branch staff while ensuring accountability and productivity.
• Ability to analyze portfolio performance, identify operational challenges, assess risks and take appropriate corrective measures.
• Strong interpersonal and communication skills to coordinate with staff, borrowers, supervisors, banks and local stakeholders.
• Ability to manage cash flow, monitor loan and savings collections, assess loan proposals and ensure efficient branch operations.
• Ability to develop operational plans, allocate targets, monitor progress and prepare accurate and timely reports using relevant computer applications.

Educational Requirements: A minimum Bachelor’s degree in any discipline is required, preferably in Business or Management.

Experience Requirements: At least 1 year of experience in a relevant field is required.

Benefits: Festival Bonus, Health and Life Insurance, Maternity/ Paternity Leave and other benefits as per policy.

BRAC believes that everyone we work with—including our staff, programme participants, partners, and the communities we serve—has the right to be protected from all forms of harm, abuse, neglect, harassment, and exploitation, including sexual exploitation and abuse.

We uphold human dignity and inclusion for all, regardless of age, race, religion, gender, disability, ethnic origin, or socio-economic background. We are an equal opportunity employer. We especially encourage those who have shown resilience—who have faced personal struggles, bounced back, and continued to move forward—to apply.

Selected candidates will have to go through a rigorous reference and background checking process which may include police verification.

Job Type: Project Staff

This position is open for Bangladeshi nationals only.

BRAC does not charge any fees at any stage of the recruitment process.

Microcredit Regulatory Authority (MRA) certificate number: 00488-00186-00065

Key responsibilities

• Manage a branch having 1300 to 3800 borrowers with quality portfolio of 10+ core. and manage 8000+ savers. Conduct survey in the proposed branch office location through PO. Discuss all rules and regulation with the all stakeholders. Admission of members in VO after initial screening from the survey list of potential clients.
• Ensure daily loan and savings instalment collection (10 lac) according to schedule. Ensure verification of all the passbooks every three months.
• Analyse past records of the proposed loan schemes of the existing borrowers regarding repayment performance, admission form, loan application form, and approve the loan and coordinating for approval process. Verify client project and house and fill up BM investigation forms.
• Ensure pre-disbursement orientation/ Financial literacy through CSA. Complete disbursement by 2:00pm after interviewing the loan applicants and do the FCP orientation and check the pass book and confirm BM phone number and seal. Arrange collection of over dues in the afternoon
• Strictly follow the circulars ensure to implement all pilot project and if any campaign. Prepare annual target plans of the branch with the Programme Organizers and divide in quarterly & monthly basis
• Monitor the operation if it is in accordance with the target plans or not. Prepare weekly cash requisitions and coordinate to arrange cash from bank. Signing DCR, bill Voucher, cash certificate after verification at the day end. Streamline staffs’ joining, leave, transfer, confirmation, promotion, resign and other steps as on HRPP.
• Take necessary steps for preservation of all forms of files and registers and oversee maintenance of office campus, furniture, stationeries and other fixed assets. Create an enabling environment for all the staffs working in the office. Coordinate with the local administrative officers.
• Conduct staff meeting in every week maintain meeting register. Identify weak and active staff and guide them accordingly. Listen to the problems of the staffs and cooperate with them. Prepare daily, weekly and monthly reports and send them to the concerned person in due time. Analyze every day reports of the staff.

Required knowledge

• Strong understanding of microfinance operations, including loan disbursement, savings mobilisation, collection procedures, portfolio management, and borrower selection
• Knowledge of financial management, cash handling, loan assessment, repayment analysis, portfolio quality monitoring, and fraud prevention
• Sound knowledge of HRPP, operational circulars, financial guidelines, internal controls, and compliance requirements
• Knowledge of branch-level budgeting, target setting, operational planning, reporting, and resource management
• Understanding of staff performance management, employee development, team supervision, and administrative procedures

Required skills

• Ability to lead, supervise, motivate, and develop branch staff while ensuring accountability and productivity
• Ability to analyse portfolio performance, identify operational challenges, assess risks, and take appropriate corrective measures
• Strong interpersonal and communication skills to coordinate with staff, borrowers, supervisors, banks, and local stakeholders
• Ability to manage cash flow, monitor loan and savings collections, assess loan proposals, and ensure efficient branch operations
• Ability to develop operational plans, allocate targets, monitor progress, and prepare accurate and timely reports using relevant computer applications

Required competencies

• Demonstrates commitment to achieving branch targets while maintaining portfolio quality and operational efficiency
• Maintains transparency, honesty, and ethical standards while ensuring financial discipline and preventing misappropriation
• Takes timely and appropriate decisions within delegated authority and demonstrates ownership of branch performance
• Builds a collaborative working environment, addresses staff concerns, and adapts to changing operational and geographical challenges
• Proactively identifies operational, financial, and security risks while ensuring adherence to organisational policies and procedures.

Additional requirements

• Ability to lead, supervise, motivate, and develop branch staff while ensuring accountability and productivity
• Ability to analyse portfolio performance, identify operational challenges, assess risks, and take appropriate corrective measures
• Strong interpersonal and communication skills to coordinate with staff, borrowers, supervisors, banks, and local stakeholders
• Ability to manage cash flow, monitor loan and savings collections, assess loan proposals, and ensure efficient branch operations
• Ability to develop operational plans, allocate targets, monitor progress, and prepare accurate and timely reports using relevant computer applications

• Strong understanding of microfinance operations, including loan disbursement, savings mobilisation, collection procedures, portfolio management, and borrower selection
• Knowledge of financial management, cash handling, loan assessment, repayment analysis, portfolio quality monitoring, and fraud prevention
• Sound knowledge of HRPP, operational circulars, financial guidelines, internal controls, and compliance requirements
• Knowledge of branch-level budgeting, target setting, operational planning, reporting, and resource management
• Understanding of staff performance management, employee development, team supervision, and administrative procedures

• Demonstrates commitment to achieving branch targets while maintaining portfolio quality and operational efficiency
• Maintains transparency, honesty, and ethical standards while ensuring financial discipline and preventing misappropriation
• Takes timely and appropriate decisions within delegated authority and demonstrates ownership of branch performance
• Builds a collaborative working environment, addresses staff concerns, and adapts to changing operational and geographical challenges
• Proactively identifies operational, financial, and security risks while ensuring adherence to organisational policies and procedures.

Education

Pass Graduate

Experience

1