Job Description
1. JOB DETAILS
Position title:
Department:
Location:
Area Manager
Operations
2. REPORTING DIMENSIONS
Reports directly to:
General Manager - Operations
Supervisors
Reports indirectly to:
Direct Reportee:
Indirect Reportee:
Total:
5-10
Number of Staff Supervised:
30-60
35-70
3. JOB SUMMARY
Area Manager is responsible for the business performance of 6-8 branches and providing them guidance
to bring good results.
Other key responsibilities include providing administrative support to Branch Heads and HO. Liaisoning
with local administrative authorities for legal matter related to branch operation and preparing different
performance related reports.
In addition to the above, the employee may also be called upon to perform other tasks as may be
required from time to time.
While performing the above responsibilities, the Area Manager must ensure that he/she and team
members follow Arohans core values, code of ethics and other institutional policies.
4. KEY RESPONSIBILITES
Particulars
Business Development
Time Allocation (%)1
30%
20%
15%
15%
10%
10%
Workforce management
Monitoring
Portfolio and risk management
Administration & Reporting
Public relations
5. Job Profile
5.1 Technical Competency
Description
1 Time allocation is indicative only and subject to change
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1. Identifies potential areas / district for expansion of business
2. Identifies and assesses potential client base and product
acceptability in new areas
3. Assesses opportunities for geographic expansion of operational
area and setting up of new branch
Business development
4. Ensures business growth in the area as per business plan
5. Analyzes productivity, efficiency gaps of branches and plug the
same
6. Allots working area to branch and Field Officers
1. Ensures rules and norms of the company are adhered strictly in
pursuit of business growth
2. Ensures transaction and records are maintained safely,
accurately and updated regularly
3. Monitors work of FOs and BHs
4. Visits field regularly to observe recoveries, CGT, GRT, verification
and overdue collection processes to ensure these processes
are followed in compliance of the operational policy and
procedure
Monitoring
5. Reviews MIS and bank transactions to check and ensure accuracy
6. Verifies My-Tool forms
7. Reviews loan documents to ensure proper maintenance
8. Review records and registers to ensure proper reporting
9. Fills APART (Area Managers Planning and Activity Report)
register at the end of branch monitoring visit
1. Provides guidance and training to branch staff
2. Provides feedback to branch staff to improve performance
3. Resolves internal conflicts at branch
4. Helps General Manager in identifying star performers and low




performers
Workforce management
5. Assists HR in recruitment and training of new employees
6. Mentors BHs and FOs
7. Provides feedback for confirmation and promotions of branch
staff
1. Locates office premises for recent branch
2. Approves fixed asset items and amount for purchase
3. Ensures compliance with legal matters related to branch opening
(rental agreement, trade license, commercial electric meter,
registration under Shops & Establishments Act)
Administration
4. Approves branch expenses
5. Follows up with HO to resolve branch related support issues
6. Provides assistance to HO in branch staff incentive calculation
7. Sanctions online leaves as per Leave Policy
1. Checks for timely and accurate data entry in MIS
2. Ensures timely reporting by Branches to HO
3. Prepares weekly FO wise and branch wise disbursement and OD
reports and sends to HO
MIS and reporting
1. Ensures high quality portfolio by taking preventive and curative
measures
Portfolio and risk management
Public relations
2. Ensures low customer drop-out, high center attendance and loan
processing as per defined turnaround time (TAT) in policy
3. Helps branches in tackling over dues
1. Meets local councillors and panchayat samity members to
educate them about Arohan
2. Meets block level govt. officials to educate them about Arohan
3. Develops rapport with other MFIs of the area
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4. Conducts customer meets and interviews to gather data
required to determine need of customers and assess customer
satisfaction about Arohan services
5. Meets customers and their family members (outside normal
operating processes) to assess customer satisfaction about
Arohan
5.2 Organizational Competency
Description
1. Monitors work against objectives and set targets
2. Prepares work plan and sets targets for oneself
3. Measures progress against targets and revises work plan
accordingly
4. Provides timely performance feedback to supervisor
5. Balances quality of work with meeting deadlines and budget
constraints
Planning
6. Coordinates work plans with others to accomplish common
objectives
7. Anticipates problems and issues, and responds to them
accordingly
1. Connects work to the overall mission of the organization
2. Understands related functions of department, along with its plan
and anticipates possible implications of own work
1.



Maintains harmonious relationships with members within and
outside the organisation
2. Works effectively as a member of a team
3. Builds credibility and trust with colleagues and superiors,
particularly with branch staff
Organizational perspective
Managing relationship
4. Listens to employees and provides solution and advice
1. Anticipates problems and issues, and responds to them
accordingly
2. Gathers information to identify issues and possible solutions for
problems that affect the team/department
3. Demonstrates capacity for inductive and deductive problem
solving on key issues, using past experience and technical
knowledge in identifying appropriate solutions
4. Makes decisions in a timely manner and assumes joint
responsibility for end-results
Decision making and problem
solving
5. Implements solutions within the proper scope of authority
6. Ensures that all parties involved in and affected by decisions
made are properly informed
1. Uses relevant technology and equipment (computers, software)
to enhance own learning and improve productiveness and
quality of service
Knowledge of relevant technology
2. Mentors others in the use of tools and technology
3. Identifies and uses a variety of tools and technology to improve
delivery of services.
5.3 Personal Competency
Description
1. Provides support to others in accomplishing their work
2. Takes responsibility of own work and team
Accountability and responsibility
1. Works in a team
2. Builds strong relationship within the team
3. Maintains good relationships with colleagues
4. Considers others views with respect and dignity is willing to
adjust and is flexible about ones own views in order to reach
Teamwork
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consensus and agreement within the team
1. Pursues all efforts to accomplish tasks and objectives according
to agreed timetables and specifications
2. Translates commitment into action
Hard work and commitment
Transparency and integrity
1. Shares accurate and on-time information with supervisors
2. Follows Arohans core values and adheres to code of ethics
policy
3. Practices transparency and openness to ones ideas and feelings
4. Maintains trust among team; shows consistency in thought and
action
5. Honours confidentiality of sensitive information with regard to
clients, documents and other confidential matters
6. PERFORMANCE INDICATORS2
• Business performance (business target vs. achievement, portfolio quality)
• Average compliance score as given by Internal Control to the Area
• Human resources management
• Feedback from colleagues and other department
• Feedback from branch staff
2 Performance will also be evaluated on technical, organizational and personal competencies as mentioned in the job profile
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📌 Area Manager (Assam)
🏢 Arohan
📍 Assam