General Branches Manager

Job Summary

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.