The Regional Manager is responsible for driving sales performance, collections execution, operational discipline, compliance, and profitability across the allocated region within a high-volume branch-based retail credit environment.
This role is accountable for ensuring that all areas and branches within the region consistently deliver against sales, collections, credit quality, compliance, customer service, and operational performance targets. The incumbent will take direct ownership of regional execution, enforce accountability through Area Managers, strengthen branch sales and collections discipline, and ensure consistent adherence to company policies, controls, and operational standards.
The Regional Manager is responsible for identifying regional performance gaps, resolving operational underperformance, improving branch productivity, strengthening controls, and driving sustainable profitable growth across the region. This is a hands-on, field-based operational leadership role requiring strong branch visibility, direct oversight of Area Managers, and decisive intervention to ensure branch execution standards, customer experience, and operational controls are consistently achieved.
Regional Scope: Responsible for all Area Managers, branch operations, and regional performance within the allocated region, covering all provinces and branch networks assigned to the role. The Regional Manager is expected to adapt leadership focus based on the operational demands, commercial opportunities, and risk profile of the assigned region while maintaining consistent execution against national standards. Key Responsibilities Regional Operational Leadership • Lead and manage Area Managers across the allocated region. • Drive consistent execution of operational standards, policies, and business processes across all areas and branches. • Translate national operational objectives into measurable area and branch-level action plans. • Drive execution discipline, operational consistency, and performance accountability across the region through Area Managers. • Ensure areas and branches operate efficiently, consistently, and in line with company standards. • Take direct ownership of regional operational performance and intervene where area or branch execution is below standard.
Sales Performance, Customer Growth & Revenue Delivery: • Drive regional sales performance to achieve area, branch, regional, and company revenue targets. • Ensure Area Managers drive quality sales through disciplined branch execution, strong consultant activity, and responsible lending practices. • Monitor area and branch sales activity, consultant productivity, conversion rates, application quality, and performance trends. • Identify weak sales practices, poor conversion performance, and productivity gaps across branches and implement corrective action. • Drive branch-level sales discipline, consultant activity standards, customer acquisition, and cross-sell performance through Area Managers. • Ensure sales growth is aligned to affordability standards, acceptable credit quality, and collections sustainability. • Improve customer retention, repeat business, and branch-led market penetration across the region.
Key Responsibilities:
Collections Performance & Arrears Control Drive collections performance across all areas and branches within the region. Ensure Area Managers enforce branch collections targets, arrears ratios, cure rates, and recovery performance standards. Hold Area Managers accountable for collections execution, arrears control, and portfolio quality across all branches. •Monitor delinquency trends, roll rates, first-payment defaults, and collections rate across the region. Implement corrective action in underperforming areas and branches to improve collections effectiveness and arrears recovery. Ensure collections remains a frontline branch discipline and is actively managed within daily branch operations. Drive accountability for arrears ownership and collections discipline throughout the region. Area & Branch Performance Management Monitor and manage area and branch performance across sales, collections, compliance, customer service, and operational deliver
Job Location:
KwaZulu , Eastern Cape
Employment Type:
Full time
Location Type:
Work from office
Company Overview
About Us:
Our Vision is to be the leading Mutual and Savings bank in South Africa, improving the quality of life of our clients through their participation in saving together, growing together and ownership of their own community bank.
To that end, our Mission is to consistently satisfy the needs of our target market by offering innovative superior, inclusive investment, savings and credit solutions and better service that add value to our clients lives by empowering them and contributing towards their financial growth, independence and freedom.
As such, we see our Purpose as existing to improve and transform the lives and livelihoods of our clients by availing them modern inclusive banking products and services that benefit and empower them.
