Operations Manager – Real People Uganda

Organisation: Real People Uganda
Duty Station: Kampala, Uganda
Reports to: Head of Business Finance – East Africa
About US:
Real People Uganda is a financial services provider for businesses and
homes within the East African region. The company focuses on providing
responsible finance solutions to individuals through the Business Finance Loan,
Asset Finance Loans and Construction Loads and Home Improvement Loans. Real
People Uganda collaborates with reputable building retailers, providing finance
in-store at the point of sale with the assistance of knowledgeable consultants
who understand the needs of its customers.
Key Duties and Responsibilities: 
1. Production:
  • Provides direction and focus on overall
    branch production and motivating the branch sales team towards achieving
    production targets;
  • Convert monthly budget targets into sales
    targets per Loan Officer and communicate targets to each Loan Officer;
  • In charge of the management of the sales
    and marketing process through effective marketing of products, generation
    of potential clients lists and ensuring the closing of sales by branch
    staff.
  • Responsible for managing the branch client
    database;
  • Creating marketing and production plans
    (geographic areas to be focused on) in conjunction with Loan Officers in
    the branch;
  • Responsible for daily production planning
    and review meetings and implementing decisions taken.
2. Portfolio Management:
  • Responsible for Branch portfolio
    performance management in conjunction with Loan Officers (portfolio size,
    number of customers, portfolio at risk and arrears total);
  • In charge of the identification of repeat
    clients from current clients who meet the repeat business criteria /
    through analysis of repayment trends;
  • Responsible for market and portfolio
    segmentation;
  • Responsible for portfolio allocation and
    new client referrals to new Loan Officers.
3. Management of Loan
Approvals:
  • Responsible to oversee the entire loan
    approval process at the branch;
  • Responsible for loan verifications and
    ensuring the quality standards of verifications are adhered to;
  • Responsible for quality checks on loan
    approvals;
  • Responsible for approval audits through
    periodic physical client visitations;
  • Responsible for the effective operation
    of relevant branch approval function / committee.
4. Collections:
  • Responsible for ensuring the attainment of
    targeted early collections rates;
  • In charge of monitoring collections rates
    and the performance of the Collections Officer at the branch;
  • Managing the early collections process
    through Senior Loan Officers and / or Loan Officers;
  • Manage the branch Portfolio at Risk (PAR)
    to ensure it remains below the minimum standard, in consultation with the
    Senior Loan Officers and / or Loan Officers in the branch;
  • Responsible to oversee the timeous
    handover of defaulters to the Collections Officer.
5. Human Resource Management
and Training:
  • Ensure adherence to all HR Policies at the
    branch;
  • Responsible for sound working
    relationships among staff, managing potential conflict at the branch,
    building a high performing team and the retention of competent staff;
  • Assist in the final selection of competent
    employees after considering psychometric evaluations;
  • Responsible for training and on-job
    coaching of branch staff and ensuring availability of sufficient training
    material and training manuals in the branch;
  • Ensures that Loan Officers have the
    required level of sales techniques, product knowledge and customer service
    competencies;
  • Responsible for conducting induction
    training of new Loan Officers and other staff at the branch;
  • Responsible for implementation of
    individual development plans (IDP) for non-performing staff in the branch;
  • Management of discipline, performance
    management and managing poor performance levels of staff at the branch;
  • Management of time and attendance and
    leave management of staff at the branch.
6. Financial:
  • Responsible for development of budgets at
    branch level;
  • Responsible for profitability of the
    branch through the effective management of the cost and production budgets
    and targets;
  • Responsible for the branch income
    statement and to timeously correct deviations and implementing cost
    controls.
7. Operations:
  • Ensure marketing plans / marketing
    materials are implemented and available;
  • Responsible for petty cash management at
    the branch and daily reconciliation of the cash float;
  • Responsible for approval of office
    supplies purchases;
  • Responsible for the management of
    collections cash payments received, management of bank deposits and
    reporting of payments to Head office;
  • Management of any other payments received;
  • In charge of the distribution of petty
    cash funds to Loan Officers and Senior Loan Officers for daily operational
    (sales and marketing) activities.
  • Ensure the submission of all appropriate
    management reports;
  • Responsible for ensuring loans are
    correctly captured and data integrity is maintained in the branch;
  • Responsible that the registration and
    disbursement process of loans are adhered to at the branch;
  • Ensure branch asset register is updated on
    a regular basis and ensure that all branch assets are accounted for at all
    times.
  • Ensures branch is fully operational at all
    times;
  • Responsible for health and safety of
    employees and the branch in general;
  • To perform any additional duties over and
    above the duties listed in this job profile, as and when required by
    Management.
8. Market Review and Product
Development:
  • Identify client needs and review existing
    products;
  • Analyze market trends and competitor
    product offerings and making suggestions as to product improvements / new
    products.
9. Customer Service and
Relationship Management:
  • Responsible for excellent customer service
    delivery in the branch;
  • Actively monitor customer service levels
    with clients and ensure Loan Officers follow through on deliveries;
  • Ensure follow up on complaints and
    ensuring resolution and acting as the contact person for all unresolved
    client issues;
  • Responsible for conducting client
    induction and ensuring all loan agreements get signed at the branch.
10. Governance and Compliance:
  • Ensures compliance of company rules,
    business processes and regulatory requirements;
  • Ensures compliance to the Branch Procedure
    Manual.
Qualifications, Skills and Experience: 
  • The applicant should preferably hold a Bachelor’s
    degree in related field
  • At least three years’ managerial
    experience
  • Previous experience in a financial
    institution is preferred
  • Sound financial understanding and
    knowledge
  • Planning and organizing / Workflow
    management skills
  • Analytical / Structured thought processes
  • Excellent problem solving skills
  • Customer service focused
  • Self-starter/ Goal focused / Target driven
  • Ability to work in a competitive and
    challenging environment
  • High level of resilience
  • Assertiveness
  • Strong interpersonal skills / Ability to
    energize and motivate team
  • High degree of integrity
  • Strong management capabilities
  • High level of computer literacy
  • Valid driver’s license
How to Apply: 
All suitably qualified candidates should visit the web link below and
create a profile on the NFT Consult website by entering their e-mail addresses.
Please visit web link below and click Apply now if convinced you have the job
requirements. The applications/CVs should be prepared in English and submitted
in either MS Word or PDF format will be considered.

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