Zonal Manager (Micro Finance Programme)

* Drive the implementation of Micro Finance operations at the zone level, ensuring alignment with organizational goals and objectives. * Lead area and branch-level operations, fostering a culture of discipline, compliance, and operational efficiency. * Achieve and exceed operational targets, including loan disbursement, recovery, savings, and outreach goals. * Manage and maintain key performance indicators, including OTR ≥ 98% and PAR ≤ 5%, to ensure high performance across branches. * Oversee the performance of Area Managers, Branch Managers, and Field Officers, providing guidance and support to enhance their skills and expertise. * Conduct regular field visits, audits, and monitoring activities to identify areas for improvement and implement corrective actions. * Architect and implement a cluster-based geographical model, leveraging digital Micro Finance systems (SISTE) to drive efficiency and growth. * Foster a culture of zero tolerance for non-compliance, ensuring strict adherence to organizational policies and procedures. * Develop and execute strategies to address operational challenges, ensuring prompt and effective resolution of issues. * Collaborate with cross-functional teams to drive business growth, improve customer satisfaction, and enhance the overall Micro Finance program. * Analyze market trends, competitor activity, and customer needs, using insights to inform strategic decisions and drive business expansion. * Embed a customer-centric approach, ensuring that Micro Finance operations are tailored to meet the evolving needs of customers and communities.