General Branches Manager

Role summary The General Branches Manager is responsible for planning, leading, coordinating, and supervising all branch operations of Ghazanfar Pay EMI. The position ensures that all branches operate efficiently, comply with the regulations of Da Afghanistan Bank (DAB) and internal policies, deliver high-quality customer service, achieve business targets, manage operational risks, and support the expansion of Ghazanfar Pay's digital financial services. Duties and responsibilities Branch Operations Lead and supervise the daily operations of all Ghazanfar Pay branches. Ensure consistent implementation of operational policies and procedures across all branches. Monitor branch performance and take corrective actions where necessary. Ensure efficient cash management and operational controls. Business Development Develop and implement strategies to increase customer acquisition and transaction volumes. Support the expansion of Ghazanfar Pay branch network and agent locations. Identify new business opportunities and partnerships to enhance growth. Customer Service Ensure high standards of customer service across all branches. Monitor customer satisfaction and resolve escalated customer complaints. Promote a customer-centric culture within the branch network. Compliance and Risk Management Ensure all branch operations comply with DAB regulations, AML/CFT requirements, and internal policies. Coordinate with Compliance, Risk, and Internal Audit departments. Monitor operational risks and implement effective mitigation measures. Ensure timely reporting of suspicious transactions and regulatory matters. Staff Management Recruit, coach, mentor, and evaluate branch managers and operational staff. Conduct regular performance reviews. Identify training needs and support staff development. Promote teamwork, integrity, and accountability. Financial Management Monitor branch budgets and operational expenses. Ensure branches achieve financial and operational targets. Analyze branch profitability and recommend improvements. Reporting Prepare weekly, monthly, and quarterly operational reports. Present branch performance, challenges, and recommendations to senior management. Maintain accurate operational records and management information. Strategic Planning Participate in developing operational strategies for Ghazanfar Pay EMI. Support the launch of new financial products and digital payment services. Contribute to continuous improvement initiatives across the organization. Job requirements Qualifications : Bachelor's degree in Business Administration, Finance, Economics, Banking, or a related field, Master's degree is an advantage. Minimum of 5–6 years of professional experience in banking, electronic money institutions , or financial services. At least 3 years in a managerial or branch management role. Experience in branch operations, digital payments, or mobile financial services is preferred. Leadership Capabilities: Provides strategic direction and inspires teams to achieve organisational goals. Demonstrates strong leadership in managing multi-branch operations. Makes timely, sound, and evidence-based decisions. Builds and leads high-performing teams through coaching and mentoring. Drives operational excellence and continuous improvement. Manages organizational change effectively and promotes innovation. Delegates responsibilities appropriately while ensuring accountability. Resolves conflicts professionally and promotes a collaborative work environment. Demonstrates sound judgement in handling operational and regulatory issues. Fosters a culture of integrity, compliance, and customer excellence. Core Competencies: Branch Operations Management Business Development and Growth Customer Relationship Management Financial and Budget Management Risk Management and Internal Controls Regulatory Compliance (DAB, AML/CFT, KYC) Strategic Planning and Execution Performance Management Problem Solving and Analytical Thinking Negotiation and Stakeholder Management Effective Communication and Presentation Skills Personal Attributes: High level of integrity and professionalism. Strong sense of accountability and ownership. Customer-focused and service-oriented. Results-driven with a commitment to achieving targets. Excellent interpersonal and relationship-building skills. Self-motivated and proactive. Adaptable and resilient in a dynamic environment. Strong organizational and time-management skills. Maintains confidentiality and exercises discretion. Demonstrates initiative, innovation, and continuous learning. Able to work effectively under pressure and meet tight deadlines. Committed to ethical conduct and the values of Ghazanfar Pay EMI.