To lead and grow the institutional portfolio by promoting payday loans, salary advance loans, and white goods "Buy Now Pay Later" (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.

Products Managed by Branches

1. Employer-Sponsored Payday and Salary Advance Loans 

   • Contact potential employers to establish partnerships for payroll-deducted payday and salary advance loans.

   • Secure employer agreements to share eligible employee data and process salary deductions.

   • Onboard and manage relationships with partner employers and their employees.

2. White Goods Loan Products (BNPL) 

   • Products: Smart TVs, washing machines, refrigerators, and similar items.

   • Generate leads through community outreach, promotional events, and partnerships with vendors.

3. Electric Vehicle (EV) Loan Products.

   • Products: EV Bikes, EV Bajaj (3-wheelers), and other approved EVs.

   • Identify and generate leads, especially in areas with demand for sustainable transport.

Key Responsibilities

1. Loan Product Promotion
   • Promote employer-sponsored payday loans and salary advances through targeted organizational partnerships.
   • Organize financial literacy sessions, product briefings, and promotional events at client sites.
   • Customize loan offerings to the specific needs of partner organizations.

2. Strategic Partnerships & Business Development
   • Establish and maintain strong relationships with government offices, NGOs, and private companies.
   • Negotiate and sign partnership agreements for payroll-linked lending.
   • Identify and secure new partnership opportunities aligned with Digaf's growth strategy.

3. Portfolio Growth & Management
   • Achieve monthly and quarterly targets for loan disbursement, particularly through employer partners.
   • Ensure portfolio quality by monitoring repayments and keeping PAR levels within acceptable limits.
   • Implement strategies for client retention and encourage repeat borrowing.

4. Leadership & Supervision
   • Manage, guide, and support branch staff to meet sales, service, and compliance targets.
   • Train team members in partnership-based selling and customer handling.
   • Enforce adherence to company values, operational policies, and regulatory requirements.

5. Risk Management & Compliance
   • Conduct due diligence on potential partner organizations.
   • Ensure loan disbursements meet DIGAF’s risk and compliance standards.
   • Maintain accurate documentation for all partnership and loan-related activities.

6. Reporting & Analysis
   • Provide weekly and monthly reports on partnerships, disbursements, collections, and client feedback.
   • Analyze partner and product performance; adjust strategies for continuous improvement.

Job Requirements

Qualifications

• Bachelor’s degree in Business Administration, Finance, Marketing, Economics, or a related field.

• Professional certifications in Microfinance, Credit Management, or Sales

• Experience

• Minimum 3-5 years of experience in microfinance, banking, or credit services, or fintech.

Skills & Competencies

• Sales & Negotiation: Strong ability to secure partnerships and drive loan uptake.

• Leadership: Skilled in coaching, supervising, and motivating branch staff.

• Portfolio Management: Proficient in monitoring loan performance and maintaining quality (PAR control).

• Risk & Compliance Awareness: Good understanding of credit risk, due diligence, and regulatory compliance.

• Customer Service: Committed to delivering superior service and handling client feedback constructively.

• Communication: Excellent verbal and written communication in Amharic and English.

• Analytical Ability: Capable of analyzing data to refine strategies and improve performance.

• Tech Savvy: Familiarity with digital loan processing platforms, MS Office, and CRM systems.

• Community Engagement: Comfortable conducting outreach events and financial literacy sessions.

How To Apply

Interested candidates should send their resumes along with a cover letter to our HR department at hr@digafcredit.com. Please specify the position and location you are applying for in the subject line of your email.

Only candidates who are shortlisted will be acknowledged and called for interviews.

Join Digaf Microcredit Provider S.C. and make a difference in the lives of many through microcredit solutions