Field Operation Manager

Work Reference No.: 25/25

Reporting to: Chief Operations Officer

Job Purpose

The Field Operations Manager (FOM) provides overall leadership to VFT’s field/branch operations, ensuring the bank meets annual business targets as approved by the Board in the annual operational plan. The position holder manages branches through Regional Managers and Business Center Managers, executing strategic operational targets, including disbursement plans, budgeting, people and performance management, risk, and internal controls to reduce operational risk. The role ensures growth in the loan and deposits portfolio while enforcing compliance with country laws and regulations. It also ensures that the bank’s products and services positively impact clients’ lives through VFT’s social performance framework and fosters close integration with World Vision Area Programs to support economic development for low-income entrepreneurs.

Main Responsibilities

Performance Management

• Oversee the management and staff of the operations department to ensure all branches meet or exceed monthly and annual business targets.
• Mentor and coach Regional Managers for performance.
• Maintain a high standard of discipline within the operations department, ensuring all managers meet ongoing targets.
• Coordinate with People and Culture to execute an incentive scheme for operations staff to enhance motivation and performance.
• Ensure staff have the capacity to deliver through a continuous training program.

Compliance with Bank Policies and Regulatory Requirements

• Manage the application of policies, norms, and procedures at the branch level, ensuring business operations adhere to procedures.
• Enforce compliance with local regulatory laws as prescribed.
• Set performance contracts and monitor performance per procedures for branch managers.
• Implement a performance management system for branch managers that enforces compliance with policies, procedures, and regulations.
• Ensure all identified compliance gaps from internal audits and risk units are addressed within agreed timelines.

Administration

• Supervise that the branch network maintains up-to-date and accurate client records.
• Organize and maintain neat, up-to-date, and accurate files regarding the performance of all regions, particularly Branch Managers and Regional Managers.

Department Reporting

• Perform analysis of financial indicators and provide reports to the COO on deposits, channel performance, disbursements, client retention, product growth, branch profitability, and delinquency.
• Ensure overall and branch reporting is complete and accurate.
• Provide timely and accurate information and reports to the Chief Operations Officer, senior management, and other stakeholders as required.
• Ensure timely delivery and supervision of accurate financial, performance, and regulatory data reporting.

Business Development

• Lead the branch network to deliver all business targets approved by the Board, including loan portfolio, deposits, clients, and revenue targets.
• Collaborate with the Head of Business Development and other managers to develop local marketing and sales strategies to increase clients, maximize sales, and retain current clients.
• Conduct feasibility studies for new areas and provide recommendations for market potential.
• Participate in market research with Marketing and Product Development Teams to determine appropriate products and services for various customer segments.

Credit Risk Management

• Ensure all branches maintain a Portfolio at Risk (PAR) of not more than 5% for >1 day.
• Ensure the loan loss rate is kept below a maximum of 2%.
• Supervise the debt recovery team to ensure collection of written-off loan facilities from clients.
• Document causes of delinquencies and implement remedial actions by updating policies, taking disciplinary measures, or building capacity for the operations team.

Integration with World Vision and Social Performance Management

• Drive the social performance agenda by targeting clients as defined in VFT’s social performance framework.
• Ensure VFT’s operations align with World Vision Area Programs (APs) and maintain close working relations with AP Managers.
• Build mutually beneficial partnerships with other strategic partners in line with VFT’s mission.

Required Skills, Knowledge, and Competencies

Education and Experience

• Minimum of a BSc in Business, Accounting, Finance, or related field.
• Minimum of five years of senior operational management experience, preferably in a bank or microfinance institution.
• Experience in strategic planning, budgeting, operations, deposit product and systems development, and risk management.

Core Competencies

• Strong leadership and people management skills.
• Strong analytical skills, with the ability to analyze business processes and think strategically using financial analysis.
• Excellent communication skills, with the ability to present financial information effectively to both specialists and non-specialists.
• Understanding of financial and banking software packages, preferably familiarity with T24.
• Knowledge of micro, small, and medium enterprise market segments in Tanzania.

Attributes Desired for All Positions

• Honest, hardworking, friendly, and focused.
• Local language skills.
• High standards in regard to quality of work.
• Able to work independently and as a team member.
• Attention to detail.
• Experience in banking or microfinance.
• Commitment to the social mission of microfinance.

Application Process

Interested and suitably qualified individuals should:

• Forward their application letter, attaching certified copies of academic and professional certificates, detailed CVs with three referees, and National ID to application@vftz.co.tz.
• Address applications to: The Chief Executive Officer, VisionFund Tanzania Microfinance Bank Limited, P.O. Box 1546, Arusha, TANZANIA.
• Use the position title as the subject of the email application.
• Submit applications by 31st August 2025.

Note: Only short-listed candidates will be contacted.

Disclaimer VisionFund Tanzania Microfinance Bank has not engaged any consultant or agent to conduct recruitment on its behalf.