Area Manager (Micro Finance Programme)

Job Description

Title: Area Manager (Micro Finance Programme)

Company Name: Eco-Social Development Organization (ESDO)

Vacancy: 08

Age: At most 45 years

Job Location: Anywhere in Bangladesh

Salary: Negotiable

Experience:

• 4 to 6 years
• The applicants should have experience in the following business area(s): NGO

Bachelor’s/Master’s degree in Business Administration, Finance, Economics, or related field

• 4 to 6 years
• The applicants should have experience in the following business area(s): NGO

• Age At most 45 years

• For highly experience candidates, age will be relaxed

• Minimum 4–6 years of experience in Micro Finance sector

• At least 1–2 years in supervisory role (BM/AM level preferred)

• Strong experience in field operations and client management

• Strong field-level leadership and team supervision

• Practical problem-solving ability

• Good communication and coordination skills

• Ability to work under pressure and meet targets

• Integrity and accountability

ESDO was established in 1988 with the aim of supporting poor and marginalized people affected by the devastating flood and gradually moving towards achieving a broader vision of achieving sustainable, secured, and resilient livelihoods for these poor and marginalized people through improving their overall sustainable development. For the last more than three and a half decades of its development journey, ESDO has set an outstanding example of a sustainable development model for the underprivileged communities of Bangladesh. ESDO has been working in the country's primarily unserved and underserved locations, nurturing a community-focused participatory approach and people's ownership. Consequently, the ESDO's working area has already established an enabling environment. We have made notable achievements in livelihood improvement, food security and nutrition, education, women's empowerment, health, the promotion of children's rights, adolescent and youth engagement, and the rights of ethnic minorities. During this long span, we have adapted to the changing situation and provided the most time-bound effective services, especially to the poor and disadvantaged people. Considering the government's development policies, we are currently implementing a considerable number of projects and programs, including a microfinance program, through a community-focused and people-centered approach to accomplish the government's development agenda and the Sustainable Development Goals (SDGs) of the UN as a whole. One of the most dynamic organizations, ESDO, is expanding its development interventions across 422 upazilas under 56 districts of Bangladesh, thereby reaching over 15.73 million impoverished and vulnerable individuals.

Eco-Social Development Organization (ESDO) is a leading national NGO in Bangladesh, working since 1988 with a strong commitment to human dignity, social justice, and sustainable development. ESDO operates a large-scale Micro Finance Programme nationwide with a focus on financial inclusion, digital systems, and community empowerment.

Position Overview

ESDO is looking for a dedicated, disciplined, and performance-driven professional for the position of Area Manager to ensure smooth and effective implementation of Micro Finance operations at the area level. The role requires strong field engagement, supervision, and target achievement.

Duty Station: Field-Based (Assigned Area under Zonal Office)

Key Responsibilities

• Supervise and coordinate branch operations within the assigned area

• Ensure achievement of loan disbursement, recovery, savings, and client outreach targets

• Maintain OTR ≥ 98% and PAR ≤ 5%

• Monitor and support Branch Managers and field staff (AM/FO)

• Conduct regular field visits, center visits, and portfolio verification

• Ensure strict discipline, compliance, and operational efficiency

• Identify operational gaps and take immediate corrective actions

• Implement cluster-based geographical model and digital MF system (SISTE)

• Ensure zero tolerance for financial irregularities and misconduct

• Prepare and submit area-level reports to Zonal Manager

• Support staff motivation, coaching, and retention

Key Performance Indicators (KPIs)

• Portfolio growth and quality

• OTR ≥ 98%, PAR ≤ 5%

• Savings mobilization and client expansion

• Staff productivity and discipline

• Compliance with operational and digital systems

• Attractive and competitive salary (Negotiable)

• Performance-based incentives

• Provident Fund, Gratuity, Insurance

• TA/DA and field allowances

• Career growth opportunities