Area Manager

Job Description

Title: Area Manager

Company Name: Habiganj Unnayan Sangstha

Vacancy: 1

Age: At most 60 years

Job Location: Habiganj

Salary: Tk. 80000 (Monthly)

Experience:

• At least 10 years

• Masters

• At least 10 years

• Age At most 60 years

• At least 5 years of experience in microfinance related field in any reputed Organization.

• Training in Microfinance and SME operations will be treated as extra quality.

• Experience in using MIS & AIS tools of microfinance.Good operating skill of MS Office, MS Excel with software operation and reporting.

• Required to have excellent communication skill.

Job responsibilities:

Area Manager must possess specialized expertise in managing the organization's entire loan portfolio, particularly ‍SME lending operations, including loan appraisal, financial analysis, and approval.

Must be capable to take challenges of achieving targets, Team leading and making independent decisions.

• Ensuring the disbursement of loans, mobilization of savings, and achievement of targets at each branch in accordance with the organization's annual budget and plan.

• Reviewing and approving large or special loan proposals that exceed the approval limits of branch managers.

• R Adopting effective strategies to control overdue or defaulted loans and regularly monitoring the Recovery Rate.

• Regularly visiting various branches and field-level groups or centers, interacting with members, and verifying operations on the ground.

• Checking whether branch cash, ledgers, vouchers, registers, and other documents are being maintained in accordance with regulations.

• Conducting unannounced inspections or cash reconciliations at branches to assess service quality and transparency.

• Evaluating the performance of branch managers and field staff, maintaining discipline, and providing guidance on daily operations.

• Approving attendance and leave applications for subordinates and maintaining relevant records.

• Identifying underperforming staff and arranging mentoring and in-house training to improve their work quality.

• Ensure strict adherence to the organization's own policies and the guidelines of regulatory bodies e.g., MRA and PKSF

• Make preparations for internal or external audits and assist the branch in promptly resolving audit observations.

• Prepare and submit daily, weekly, and monthly progress reports as well as MIS reports to the head office.

• Conduct monthly or quarterly coordination meetings to identify branch-level issues and devise solutions.

• Festival Bonus: 2

Consolidated Tk. 36,000/- (Thirty six thousand only) per month for the first 6 months and Tk. 43,300/- ( Forty three thousand three hundred taka only) per month after 6 months, along with other admissible benefits as per organization rules. (Inclusive of all applicable Tax as per the law of Bangladesh).