To lead and grow the institutional portfolio by promoting payday loans, salary advance loans, and white goods \u201cBuy Now Pay Later\u201d (BNPL) through strategic partnerships with governmental, non-governmental, and private organizations. The branch manager is responsible for driving loan uptake, managing portfolio quality, ensuring excellent customer service delivery, and complying with all regulatory and institutional standards.
\nProducts Managed by Branches<\/p>\n
Employer-Sponsored Payday and Salary Advance Loans<\/p>\n
Contact potential employers to establish partnerships for payroll-deducted payday and salary advance loans.
\nSecure employer agreements to share eligible employee data and process salary deductions.
\nOnboard and manage relationships with partner employers and their employees.<\/p>\n
White Goods Loan Products (BNPL)<\/p>\n
Products: Smart TVs, washing machines, refrigerators, and similar items.
\nGenerate leads through community outreach, promotional events, and partnerships with vendors.<\/p>\n
Electric Vehicle (EV) Loan Products.<\/p>\n
Products: EV Bikes, EV Bajaj (3-wheelers), and other approved EVs.
\nIdentify and generate leads, especially in areas with demand for sustainable transport.<\/p>\n
Key Responsibilities<\/p>\n
Loan Product Promotion
\n\u2022 Promote employer-sponsored payday loans and salary advances through targeted organizational partnerships.
\n\u2022 Organize financial literacy sessions, product briefings, and promotional events at client sites.
\n\u2022 Customize loan offerings to the specific needs of partner organizations.
\nStrategic Partnerships & Business Development
\n\u2022 Establish and maintain strong relationships with government offices, NGOs, and private companies.
\n\u2022 Negotiate and sign partnership agreements for payroll-linked lending.
\n\u2022 Identify and secure new partnership opportunities aligned with Digaf\u2019s growth strategy.
\nPortfolio Growth & Management
\n\u2022 Achieve monthly and quarterly targets for loan disbursement, particularly through employer partners.
\n\u2022 Ensure portfolio quality by monitoring repayments and keeping PAR levels within acceptable limits.
\n\u2022 Implement strategies for client retention and encourage repeat borrowing.
\nLeadership & Supervision
\n\u2022 Manage, guide, and support branch staff to meet sales, service, and compliance targets.
\n\u2022 Train team members in partnership-based selling and customer handling.
\n\u2022 Enforce adherence to company values, operational policies, and regulatory requirements.
\nRisk Management & Compliance
\n\u2022 Conduct due diligence on potential partner organizations.
\n\u2022 Ensure loan disbursements meet DIGAF\u2019s risk and compliance standards.
\n\u2022 Maintain accurate documentation for all partnership and loan-related activities.
\nReporting & Analysis
\n\u2022 Provide weekly and monthly reports on partnerships, disbursements, collections, and client feedback.
\n\u2022 Analyze partner and product performance; adjust strategies for continuous improvement.<\/p>\n
About You<\/p>\n
Qualifications<\/p>\n
Bachelor\u2019s degree in Business Administration, Finance, Marketing, Economics, or a related field.
\nProfessional certifications in Microfinance, Credit Management, or Sales
\nExperience
\nMinimum 3-5 years of experience in microfinance, banking, or credit services, or fintech.<\/p>\n
Skills & Competencies<\/p>\n
Sales & Negotiation: Strong ability to secure partnerships and drive loan uptake.
\nLeadership: Skilled in coaching, supervising, and motivating branch staff.
\nPortfolio Management: Proficient in monitoring loan performance and maintaining quality (PAR control).
\nRisk & Compliance Awareness: Good understanding of credit risk, due diligence, and regulatory compliance.
\nCustomer Service: Committed to delivering superior service and handling client feedback constructively.
\nCommunication: Excellent verbal and written communication in Amharic and English.
\nAnalytical Ability: Capable of analyzing data to refine strategies and improve performance.
\nTech Savvy: Familiarity with digital loan processing platforms, MS Office, and CRM systems.
\nCommunity Engagement: Comfortable conducting outreach events and financial literacy sessions.<\/p>\n","protected":false},"author":2,"featured_media":0,"template":"","meta":{"_promoted":"","_job_location":"","_application":"http:\/\/hr@digafcredit.com","_company_name":"Digaf & Micro-Credit Provider SC","_company_website":"","_company_tagline":"","_company_twitter":"","_company_video":"","_filled":0,"_featured":0,"_remote_position":0,"_job_salary":"","_job_salary_currency":"","_job_salary_unit":""},"job_listing_region":[11],"job-categories":[],"job-types":[12],"class_list":{"0":"post-1283","1":"job_listing","2":"type-job_listing","3":"status-expired","4":"hentry","5":"job_listing_region-ethiopia","7":"job-type-full-time"},"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings\/1283","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-listings"}],"about":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/types\/job_listing"}],"author":[{"embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/users\/2"}],"wp:attachment":[{"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/media?parent=1283"}],"wp:term":[{"taxonomy":"job_listing_region","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job_listing_region?post=1283"},{"taxonomy":"job_listing_category","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-categories?post=1283"},{"taxonomy":"job_listing_type","embeddable":true,"href":"https:\/\/jobs.dataaxisnode.com\/ethiopia\/wp-json\/wp\/v2\/job-types?post=1283"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}