BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. PURPOSE The Branch Manager will be responsible for the smooth record keeping, cash and bank transactions of the branch. MAJOR RESPONSIBILITIES Group related: Arrange admission of members in groups after initial screening from the survey list of potential borrowers of microfinance program. Announce the official formation of group through orientation program Allow 15-30 potential borrowers for membership per group Ensure daily installment collection according to collection schedule Oversee at least two group meetings per day and reconcile passbooks After 6 months 100% of members passbooks should be reconciled with the collection sheet   Target Plan related: Prepare a target plan for the branch at the beginning of the year (groups, members, borrowers’ disbursement, overdue etc.) Prepare a yearly target plan with monthly breakdown for credit officers Monitor the operations in accordance with the target plans   Accounts related; Prepare weekly cash requisitions for loan disbursement and other expenditure. Ensure cash from bank for financial expenditure according to daily requisition Check and sign cash ledger, bank ledger, DCR, cashbook, cash certificate and all bill vouchers after verification at the day’s end. Report on any irregularities found in cash management   Administrative; Streamline staff’s leave, transfer etc. Take necessary steps for preservation of DCR, cash ledger, loan related important documents, circulars, minutes of the monthly meetings, bill vouchers, collection sheet, passbook, certificates, attendance registers, leave applications forms, leave registers, movement registers etc. Maintain and keep office campus, furniture, stationery and other fixed assets neat and clean Create and enabling environment for all staff working in office Maintain better relations with local administration Ensure a general supervisory role for all programs/projects transitions and staff in the branch. Ensure better and quick service to external stakeholders (e.g. Neighbor’s, government, other organization’s etc.) Maintain staff office attendance per BGSL’s procedures   Staff development: Conduct weekly staff meeting every Friday for one hour (discuss targets and achievements etc.) Identify poor performing and nonperforming Credit Officers as well as good performers and guide them accordingly Listen to the challenges of staff and help resolve them Develop staff’s capacity through mentoring, coaching and counselling   Client satisfaction and outcome management related: Make sure COs and other MF staff adhere to the code of conduct for Microfinance staff Strive to provide the best quality service to clients, in the field and at the branch office Follow up client’s complaints /concerns/opinions carefully and take appropriate measures Review client’s poverty profile and geographic targeting to ensure that client targeting is aligned with BRAC’s mission. Review client-level outcomes/data periodically recommending actions plans   Reporting: Prepare daily, weekly, and monthly report required by management in due time. Analyse monthly trend and daily performance reports of the Credit Officers Share monitoring and audit reports on time. Maintain and update the risk register for submission to the area manager Ensure objective distribution of 12-15 groups per Credit Officer for MF and 15 groups for AGF programme.  

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services to people at the bottom of the pyramid responsibly. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. PURPOSE The Deputy Branch Manager will support the Branch Manager to ensure smooth record keeping, cash and bank transactions of the branch. MAJOR RESPONSIBILITIES Group related: Arrange admission of members in groups after initial screening from the survey list of potential borrowers of microfinance program. Announce the official formation of group through orientation program Allow 15-30 potential borrowers for membership per group Ensure daily installment collection according to collection schedule Oversee at least two group meetings per day and reconcile passbooks After 6 months 100% of members passbooks should be reconciled with the collection sheet   Target Plan related: Prepare a target plan for the branch at the beginning of the year (groups, members, borrowers’ disbursement, overdue etc.) Prepare a yearly target plan with monthly breakdown for credit officers Monitor the operations in accordance with the target plans   Accounts related; Prepare weekly cash requisitions for loan disbursement and other expenditure. Ensure cash from bank for financial expenditure according to daily requisition Check and sign cash ledger, bank ledger, DCR, cashbook, cash certificate and all bill vouchers after verification at the day’s end. Report on any irregularities found in cash management   Administrative; Streamline staff’s leave, transfer etc. Take necessary steps for preservation of DCR, cash ledger, loan related important documents, circulars, minutes of the monthly meetings, bill vouchers, collection sheet, passbook, certificates, attendance registers, leave applications forms, leave registers, movement registers etc. Maintain and keep the office campus, furniture, stationery and other fixed assets neat and clean Create an enabling environment for all staff working in office Maintain better relations with local administration Ensure a general supervisory role for all programs/projects transitions and staff in the branch. Ensure better and quick service to external stakeholders (e.g. Neighbor’s, government, other organization’s etc.) Maintain staff office attendance per BGSL’s procedures   Staff development: Conduct weekly staff meeting every Friday for one hour (discuss targets and achievements etc.) Identify poor performing and nonperforming Credit Officers as well as good performers and guide them accordingly Listen to the challenges of staff and help resolve them Develop staff’s capacity through mentoring, coaching and counselling Client satisfaction and outcome management related: Make sure COs and other MF staff adhere to the code of conduct for Microfinance staff Strive to provide the best quality service to clients, in the field and at the branch office Follow up client’s complaints /concerns/opinions carefully and take appropriate measures Review client’s poverty profile and geographic targeting to ensure that client targeting is aligned with BRAC’s mission. Review client-level outcomes/data periodically recommending actions plans   Reporting: Prepare daily, weekly, and monthly report required by management in due time. Analyse monthly trend and daily performance reports of the Credit Officers Share monitoring and audit reports on time. Maintain and update the risk register for submission to the area manager Ensure objective distribution of 12-15 groups per Credit Officer for MF and 15 groups for AGF programme.  

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. PURPOSE The Branch Manager will be responsible for the smooth record keeping, cash and bank transactions of the branch. MAJOR RESPONSIBILITIES Group related: Arrange admission of members in groups after initial screening from the survey list of potential borrowers of microfinance program. Announce the official formation of group through orientation program Allow 15-30 potential borrowers for membership per group Ensure daily installment collection according to collection schedule Oversee at least two group meetings per day and reconcile passbooks After 6 months 100% of members passbooks should be reconciled with the collection sheet   Target Plan related: Prepare a target plan for the branch at the beginning of the year (groups, members, borrowers’ disbursement, overdue etc.) Prepare a yearly target plan with monthly breakdown for credit officers Monitor the operations in accordance with the target plans   Accounts related: Prepare weekly cash requisitions for loan disbursement and other expenditure. Ensure cash from bank for financial expenditure according to daily requisition Check and sign cash ledger, bank ledger, DCR, cashbook, cash certificate and all bill vouchers after verification at the day’s end. Report on any irregularities found in cash management   Administrative: Streamline staff’s leave, transfer etc. Take necessary steps for preservation of DCR, cash ledger, loan related important documents, circulars, minutes of the monthly meetings, bill vouchers, collection sheet, passbook, certificates, attendance registers, leave applications forms, leave registers, movement registers etc. Maintain and keep office campus, furniture, stationery and other fixed assets neat and clean Create and enabling environment for all staff working in office Maintain better relations with local administration Ensure a general supervisory role for all programs/projects transitions and staff in the branch. Ensure better and quick service to external stakeholders (e.g. Neighbor’s, government, other organization’s etc.) Maintain staff office attendance per BGSL’s procedures   Required Skills or Experience   SPECIFIC EDUCATIONAL QUALIFICATION HND/Degree: An HND / A bachelor’s degree Concentration / Major Business Administration, Banking and Finance, Accounting etc.   PROFESSIONAL DEGREE / CERTIFICATION Professional certification in the field is a plus. EXPERIENCE (Including sector/industry) Cash and Bank transactions. Preparation of cash requisitions, cash certificates and bank reconciliation statements Knowledge in application Microsoft Word, Microsoft Excel. Experience: At least 2 years of experience working in a same role.   KNOWLEDGE, SKILLS & COMPETENCIES Proficient in MS World, MS Excel and Internet Effective communication skills; Writing and reporting skills in English

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women in sustainable economic and income-generating activities Ghana. Our mission is to provide a range of financial services to people at the bottom of the pyramid responsibly. BGSL particularly focuses on women living in rural and hard to reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. PURPOSE To help program for smooth cash and bank transaction and Record keeping MAJOR RESPONSIBILITIES Conduct 15-20 household surveys per day Identify potential clients based on survey results Demarcate the working area for proposed groups Formation of small group and large group: Discuss with the identified target members in small groups Formation of small groups consisting of five members Select a group leader for each small group Form a large group management committee Give a two-week orientation for members of large groups Collect member admission fee from the members as per BRAC Ghana circular Enter group members admission data on the mobile phone/tab and sync whenever possible Schedule meeting dates, time and venue Form a group with a minimum of 15 members for MF and 10 members for Agri-Finance, and a maximum of 30 members for MF and 20 for Agri-Finance Admit new members if a group becomes too small due to drop out or other reasons Safeguarding responsibilities: Establish a safeguarding culture across all levels of the institution by implementing the safeguarding policy. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment. Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure. Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so. Required Skills or Experience SPECIFIC EDUCATIONAL QUALIFICATION Minimum of SHS certificate (WASSCE) EXPERIENCE (Including sector/industry) Cash and Bank transactions. Cash Requisition preparation, Cash Certificate preparation and bank Reconciliation statement Knowledge in application Microsoft Word, Microsoft Excel. Experience: At least (1) one year's of experience working KNOWLEDGE, SKILLS & COMPETENCIES Knowledge of MS World, MS Excel Effective communication skills. Writing and reporting skills in English

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women, in sustainable economic and income-generating activities in Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard-to-reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically. PURPOSE Accounts Officer will take care of the financial bookkeeping, recording transactions, payments, expenses, and processing invoices. MAJOR RESPONSIBILITIES To ensure all collections made are deposited in the office fund, with no excess cash in hand or bank To ensure that the loans are being disbursed in the presence of the local supervisor/ representative To ensure that the savings are refunded to the right persons at the presence of the local supervisor/ representative To update the stock book, assets register in the Orbit system, and ensure the placement of identification numbers on the fixed assets Day-to-day and time-to-time correspondence with the Area Accountant in resolving issues To update and maintain files according to Finance Guideline (Like Circular, Challan, Staff Salary, IOU, Leave Application, Monthly financial statement, Bank statement with reconciliation and bank signatory with staff individual bank information, voucher control sheet, cash certificate, house rent and etc.) Checking, preparing and submitting Google sheet reports such as Office Rent, Self-insurance, bonus, stationery, daily/weekly transaction report, procurement control and etc. To respect office hours by opening and closing the business day on time, and to send DCR and cash book reports and bank slips daily To prepare a requisition form for purchases, and a challan form for all assets/ goods/ things which are transferred to other offices Checking the movement register before paying any transport bill, and the attendance register before paying lunch bill Deliver quality services by adhering to high level of professionalism. Providing best services within the shortest possible time to avoid complaints Ensure the availability of office supplies such as printing, stationery, entertainment, electricity, water, general maintenance, program materials and etc. To check Trail Balance ledger of all accounts before closing each month To ensure proper cooperation and communication with internal audit, external audit and visitors To be aware and strictly adhere to BRAC’s values Preparing and submitting “Staff Performance Assessment" by following HR policy setup and timely mid-year review and annual assessment). Gathering more knowledge on Digitalization especially on mobile app, orbit and sbiCloud Preparing reports and any other requirements per management’s demand To accomplish any other duties as delegated by supervisors To record cash in the daily collection registers. Preserve cash in the file by preparing necessary notarized vouchers To update, preserve and maintain daily MF Cash book Bill voucher checking, coding, taking proper approval and MF bill voucher preservation To prepare daily and monthly cash requisitions To update, preserve and maintain cash certificates with cash ledgers & bank ledgers daily MF Bill voucher posting and booking in the ERP software as per the chart of accounts and to ensure the booking of expenditure in proper accounts without miscoding To prepare staff salary and submit to the Area Accountant within 18th day of every month To take the initiative to transfer staff salaries based on verified payroll To ensure fund (cash, bank) management, cost analyses, stock management and fixed asset management Submitting the Monthly Financial Statement to the Area Accountant on time with the necessary supporting documents To prepare monthly Bank Reconciliation statements Recording the daily loan disbursement, loan collection & savings, including all other cash transactions, and to provide reports as required by the program authorities  

BRAC Ghana Savings and Loans Ltd (BGSL) is a socially responsible for-profit organization, engaging people, especially women, in sustainable economic and income-generating activities in Ghana. Our mission is to provide a range of financial services responsibly to people at the bottom of the pyramid. BGSL particularly focuses on women living in rural and hard-to-reach areas to create self-employment opportunities, build financial resilience, and harness women’s entrepreneurial spirit by empowering them economically.   PURPOSE To assist country DTM in managing trainings, vendors, channels, staff/customer engagements and literacy programmes related to the Digital Field Application and other Digital Financial Services. MAJOR RESPONSIBILITIES Collaborate with cross-functional teams to deploy digital field applications. Ensure the seamless integration of these applications into the existing workflow. Troubleshoot technical issues and provide timely resolutions. Monitor and optimize mobile payment processes for efficiency and effectiveness. Execute change management strategies to facilitate a smooth transition to digital processes. Create comprehensive training programs for both staff and customers. Conduct training sessions, workshops, and webinars to ensure users are proficient in digital tools. Identify potential resistance to change and develop mitigation plans. Provide ongoing support to users, addressing queries and concerns promptly. Gather user feedback and collaborate with the development team for continuous improvement. Provide ongoing support to users, addressing queries and concerns promptly. Gather user feedback and collaborate with the development team for continuous improvement.   Safeguarding Responsibilities Establish a safeguarding culture across all levels of the programme by implementing the safeguarding policy. Act as a key source of support, guidance, and expertise on safeguarding for establishing a safe working environment. Responsible for ensuring team members are appropriately trained, supported, and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure. Follow the safeguarding reporting procedure in case any reportable incident takes place, and encourage others to do so.   Required Skills or Experience SPECIFIC EDUCATIONAL QUALIFICATION First Degree Concentration / Major: IT, related discipline   EXPERIENCE (Including sector/industry) Knowledge of Digital Financial Services Directive of the Bank of Ghana Experience in payments in field applications Knowledge in application Microsoft Word, Microsoft Excel.   KNOWLEDGE, SKILLS & COMPETENCIES Computer knowledge of MS World, MS Excel Effective communication skills. Writing and reporting skills in English Data management analysis

Support in the operationalization of all SEPM activities including strengthening of learning across BGSL via knowledge generation, management, application and evaluation of knowledge resources. MAJOR RESPONSIBILITIES Assist in conducting regular orientation and training for MF staff to build internal capacity to implement USSEPM and Client Protection Principles (CPP) at all levels of operations to improve practices in achieving compliance targets Act as support in ensuring all staff understand the correct practices in dealing with clients, and are always adhering to Client Protection Principles (CPP) Regularly visit field staff to identify gaps in practice at branch level, and report gaps for closure. Help prepare regular progress reports. Assist in social outreaches and outcome data collection and reporting; poverty and rural outreaches and social outcomes. Assist in the planning and the rolling out of initiatives such as Financial & Digital Literacy to clients. Assist in organizing training throughout the year for staff and clients on relevant topics. Act as support in conducting periodic client and staff surveys to identify challenges they are facing, and propose solutions. Regularly assist in preparing reports on SEPM and Impact outcomes to Management and Board. Ensure lessons are documented and shared on new projects related to SEPM (e.g. Financial & Digital Literacy). Work closely with DFS and IT teams to ensure learning is captured synergistically and reporting is smooth and functional. Assist in maintaining SEPM database and tracking of KPIs of ongoing pilots and projects. Ensure the safety of team members from any harm, abuse, neglect, harassment and exploitation to achieve the programme’s goals on safeguarding implementation. Act as support, guidance and expertise on safeguarding for establishing a safe working environment. Practice, promote and endorse the issues of safeguarding policy among team members and ensure the implementation of safeguarding standards in every course of action. Follow the safeguarding reporting procedure in case any reportable incident takes place and encourage others to do so. Safeguarding Responsibilities Establish a safeguarding culture across all levels of the programme by implementing the safeguarding policy. Act as a key source of support, guidance and expertise on safeguarding for establishing a safe working environment. Responsible to ensure team members are appropriately trained, supported and have access to resources regarding issues that are identified and actioned in accordance with the safeguarding policy and procedure. Follow the safeguarding reporting procedure in case any reportable incident takes place, encourage others to do so.   Required Skills or Experience SPECIFIC EDUCATIONAL QUALIFICATION Bachelor’s Degree Concentration / Major: Business Administration, Economics, Data Analytics, Sociology, Education, Psychology, Development Studies or relevant discipline   EXPERIENCE (Including sector/industry) At least 1-3 years’ experience in the development sector, preferably in microfinance. Good knowledge in computing and related systems   KNOWLEDGE, SKILLS & COMPETENCIES Familiarity and experience with microfinance operations and the human-centered design process. Willing to travel extensively across country (more than 50% of the time). Outstanding communication and presentation skills. Demonstrated experience with planning, project management and decision-making. Knowledge of Microsoft office application (MS Word, MS Excel, MS PowerPoint) Detail-oriented with strong analytical skills and leading data collection practices and the ability to work with quantitative and qualitative information. Drive, flexibility, resilience, and the ability to work under pressure Ability to work in ambiguous environments, with minimal structure. Fluency in English required (spoken, reading, and written)