Deputy Head Of Operation
Standardize Microfinance
Total des années d'expérience :12 years, 6 Mois
• Oversees the implementation of the credit strategies, policy and procedures and recommend for continued improvement and development of them.
• Manage the diversification of loan portfolio exposure to diverse market segments, loan products, loan sizes, economic sectors, lending methodologies, geographic area, branches etc.
• Establish proper technical support and control mechanism to ensure the standardize lending and recovering processes are adopted institutional wise.
• Take part in recruitment and capacity development, performance management of all credit personnel.
• Establish and enforce proper standard loan officer caseload to measure and balance the risk and productivity level.
• Perform off-site and/or on-site loan assessment and recommend loan application from branch to credit committee for credit decision making.
• Collaborate with finance department in preparation of credit and operational reports for regulators, investors, lenders, board, management and other external and internal stakeholders.
• Prepare monthly financial statements for institutional wise and by branches with allocation of all expenses to reflect their real performance.
• New Branch Open - Create the proposal for a new branch opening / FRD processing to get the final approval / Area Survey / Recruit the manpower / to find the proper area and building to open branch / etc….
Additional Task - Compliance Officer
• Responsible for overseeing compliance within an organization, and ensuring compliance with laws, regulatory requirements, policies, and procedures.
• Develop, update and maintain checklists, policy, procedure and system related with compliance management.
• Making sure that the company is in compliance regard to all internal and external regulations.
• Prepare and report compliance issues across the functions.
• Review the whole process and procedure to identify the compliance issues and provide training or advice as necessary.
• Training for individual Staff (eg. Loan Policy, Credit Policy, Personnel Policy).
• Providing strategic direction to the management team on compliance.
• Manage performance of branches from respective regions by leading them to set, monitor and evaluate their key performance indicators on regular basic for achieving both operational and financial objectives.
• Participate in strategies formulation and execution including but not limit to expansion, product development, market penetration, operational advancement, customer service excellence and risk management of especially branches from respective regions;
• Take part in assessing human resource needs, staff recruitment, capacity development, performance appraisal of all branch staff from respective regions to ensure that resource is exploited and balanced with the case load, right people are selected, staff are trained and equipped with right knowledge and skills for their career advancement and succession plan development of the MFI, performance evaluation are conducted effectively, and reward and punishment are granted in proper manner.
• Coordinate the provision of onsite and offsite technical supports from functional departments at head office to branches in respective regions are properly and sufficiently granted.
• Oversee or perform administrative tasks including location of branch office, logistic of office rental and renovation, fixed assets equipment and management, and office and security management to ensure that all branches in respective regions are standardized.
• Ensure that the close and good liaison with relevant authorities are established and maintained.
• Allocate resources Oversee first-line managers Develop and implement activities within respective regions.
• Actively participate in branch’s staff recruitment process, capacity development, annual appraisal and ensure that staffs are capable to identify their strength or weakness, they are strongly motivated, disciplinary actions are taken appropriately and conflicts are solved peacefully.
• Participate in preparing and implementing the operational target plan including loan, saving, staffing, budgeting, and especially branch’s profitability. In addition, distribute loan target to individual loan officer then regularly monitor and evaluate staffs' performance, and provide feedback and coaching to staffs for improving their work performance.
• Formulate and employ strategies to penetrate company's products to the target clientele as well as market segments throughout the branch's operational areas in effective and efficient manner through various approaches including building of good relationship with potential customers and local authorities, promotion of the products, attracting and maintaining clients and identifying business opportunity in existing and new operation areas.
• Ensure that all income and expense transactions are well reviewed, authorized, and recorded into the right accounting code with sufficient supporting documents, internal control system is strongly implemented, and accounting and financial reports can be generated in a timely manner.
• Ensure that assets and equipment are labeled, registered, maintained, secured and used to serve in business operation of Standardize Microfinance.
• Ensure that clients are well selected, all loans are well assessed before approving, good customer services are delivered, and portfolio quality is well managed.
• Mitigate branch risks including operational, credit, liquidity and others to as minimum level as possible. Internal control system shall be regularly focused and fully executed.
• To ensure good working environment within working place, staffs have good relationship to each other, local authority’s liaison and other stakeholders.
• Be a legal representative of Standardize Microfinance to signed loan contract with customer.
• Research and analyze market area for promoting and selling company’s products to the public.
• Deliver training on loan product, policy and procedure to customers or communities.
• Build and maintain good relationship with internal and external customers, local authorities and other stakeholders.
• Implement target plan distributed by Deputy Branch Manager or Branch Manager.
• Perform data collection, validation and appraisal to all loan applicants before recommending for approval.
• Help clients to complete loan application and loan agreement than explain them to make sure that they are well understand of all clauses in those document especially loan agreement.
• Provide good service to customer.
• Perform loan monitoring, reviewing and solve problem related to default loans.
• Greet and welcome passengers with a warm and professional demeanor.
• Provided baggage wrapping services/Develop good customer relationships/boarding announcement.
• Assisting passengers by answering questions, providing directions, or attending to their other needs.
• Involves checking-in, greeting passengers upon their arrival and ensuring a smooth departure process.
• Taking reservations from passengers who call in. Assisting passengers with luggage check-ins at the ticket counter.
• Included helping passengers with inquiries about delayed or lost baggage.
• To engage in Meet and greet services/ to engage in bookings / reservations of transport.
• Tasked to assist passengers with special needs or provide customer service in exclusive premier lounges at Airport.
• Handle meet/greet services at the reception area and perform basic computerized transactions.
• Manual marshaling of aircraft.
• To install / remove wheel chocks and grounding cables To connect / disconnect tow bar to the air tug.
• To deliver ground support equipment including maintenance steps.
• Greet Customer, Maintain clean and tidy checkout areas, scanning customer items, collecting money, and making change.
• Provides customers with pricing information by answering questions and any other needed.
• Maintain the cash and reconcile daily physical cash with cash balance in accounting system.
• Computer and printer repair and maintenance