Requirements

Additional Requirements

• Age at most 42 years

• 1. Must have motorcycle driving experience and valid license.
  2. Must have experience working with computers and software.
  3. The post of Area Manager should have at least 1 (one) year of practical experience working in PKSF assisted micro credit programs.
  4. Only those who are currently employed can apply.

Responsibilities & Context

Social and Economic Enhancement Programme-Sip

Job Context: Social and Economic Enhancement Programme-CIP, National Level Private Development Agency approved by Microcredit Regulatory Authority (MRA), Registration No-00014-00052-00044.

Since 1985, SIP has been working towards sustainable poverty alleviation and improvement of life and livelihood of marginalized people by implementing various developmental socio-economic programmes. Recruitment to the mentioned posts will be done through Walk-in-Interveiw for conducting loan programs with the help of Palli Karma-Sahayak Foundation (PKSF) and various financial institutions.

Fundamental Responsibilities:

1. Arrival at office/station and signing attendance register before starting office.
2. Ensuring that all files and documents prepared prior to the working day are in order.
3. If you work in the office, deciding what to do throughout the day and finishing all the work of the day in a nice and orderly manner one by one according to importance first and then what to do.
4. You will manage and control the day to day activities from your office smoothly and efficiently.
5. If going out for the purpose of visiting the branch office as per plan, arrive at the branch office before 9.0 a.m.
6. Checking of cash in hand on previous working day as per cash book and cash in hand register on arrival at the branch.
7. Checking whether the cashout and ledger have been closed on the previous working day.
8. To check whether all have signed the attendance register and whether all branch managers and organizers have gone to the field by movement.
9. To check whether excess money is lying idle in the cash and bank (how many days) and to know from the branch manager what plan has been taken to distribute the excess money.
10. If there is no arrangement to deposit the money, arrange to send it to the head office and ask the branch manager for an explanation for leaving the money idle.
11. Renting office space in consultation with head office, arranging contract documents and storing contract documents.
12. Renewal of contract after expiry of contract.
13. Checking whether necessary office furniture, cooking equipment and goods are purchased through the purchase committee subject to the approval of the head office.
14. To supervise whether the work of all the branch offices under your jurisdiction is being conducted in accordance with the rules and regulations and manual of savings and loan operations.
15. Being 2nd signatory for bank account management.
16. To verify whether all office ledgers, registers, vouchers, approved loan applications, bank checks taken from members are being posted in the register, various documents, documents and various types of necessary documents are being arranged according to date, monthly and annually.
17. Checking and taking measures to ensure that personal records of all subordinate staff are up-to-date.
18. To handover impartially the team of workers in your area every year.
19. To send the list of all field level officers-employees to the head office regarding transfer after 3 years.
20. To provide full support to the internal and external auditors in the audit work at the branch level under your jurisdiction.
21. Approving leave of Branch Managers and keeping records thereof.
22. Identifying the strengths and weaknesses of employees.
23. Accordingly utilizing their skills and taking appropriate measures to strengthen the weak areas.
24. To verify whether the employees are aware of manuals, circulars, rules etc.
25. To check whether all the branch level go to the field regularly in the afternoon to resolve outstanding issues and problems arising at the field level and to improve the work at the field level.
26. To change the centers of every staff of the branch after 1 year.
27. Treat all employees equally.
28. Assessing skilled workers properly.
29. To develop competitive spirit among employees.
30. Evaluating work and recommending promotion.
31. Assessing individuals through work.
32. To keep an account and evaluate the work of officers and employees throughout the year.
33. Assessing what kind of managerial qualities employees need to perform well and developing them accordingly.
34. To make them understand that any kind of irregularity will be subject to administrative punishment.
35. Conveying to them the reward for good deeds and punishment for bad deeds through evaluation.
36. Determining the number of employees, determining the number of teams, determining the number of members and debtors, determining savings and loan status and urging implementation.
37. To make monthly, quarterly, six-yearly and annual plans for the implementation of the above and urge for implementation and understand it.
38. Accepting and surveying new area growth plans and urging and understanding the work in all those areas. If it is a new team, it is necessary to arrange a projection meeting.
39. Always carry out market survey. To check what is required and what size loan is required in the competitive market.
40. Giving and understanding the determination of income and expenditure targets of the branch and the adoption and implementation of plans accordingly.
41. Approve / recommend approval of next week’s check as per weekly check plan.
42. Approving the loan disbursement plan for the next week and subsequently approving the loan applications of each branch as per the approved plan.
43. To check well the weekly report of each branch in your region and send it to the head office.
44. As per the weekly report, verifying whether the amount of members expected to be increased in the week and the amount of loans disbursed as planned and taking necessary action if negative.
45. Participating in the weekly staff meeting of the branch and taking next steps and necessary planning after knowing the successes and failures of the week.
46. Checking and signing monthly receipts and payments, income and expenditure, status and all types of MIS reports and sending them to the head office. Verification of bank re-conciliation and default reports.
47. Preparation of monthly and other reports as per requirement of PKSF.
48. Preparing the inspection list at the beginning of the month and sending its copy to the head office.
49. Preparation of monthly inspection reports.
50. Analyzing the monthly goals and plans and taking steps to meet them in the next month if the goals are lagging behind. Do not give this kind of opportunity every month.
51. Prepare progress reports of PKSF and arrange for their transmission through Head Office.
52. Taking measures to store monthly papers at area and branch level by bundling them month-wise.
53. To verify and send the field inspection reports of the branch managers and accountants to the head office.
54. To verify the balancing at the branch level every 3 months during book check.
55. To ensure that all pass books of loans and savings and term deposits are checked and balanced.
56. To verify the achievement of quarterly targets and to take action against the branch manager of the branch responsible for shortfall.
57. Analyzing the profit and loss figure of each branch after three months and taking action at the branch level if negative.

To check whether the interest paid on compulsory and voluntary savings of all the members of the branch twice a year in December and June has been properly paid and whether the interest has been properly posted in the pass book.

1. Preparing for the annual external audit and providing overall support to the audit team during the external audit.
2. Taking necessary measures to send the correct information regarding the annual report to the head office.
3. Bundling all types of vouchers, files, registers, ledger documents on annual basis and verifying that the matters mentioned for the new year have been introduced.
4. Properly conduct annual appraisal of all subordinate staff and forward it to head office.
5. Assisting the branch in preparing the annual budget for the next year and sending it to the head office.
6. Change the association among employees every year.
7. To organize meetings with teachers and parents twice a year for smooth running of the project.
8. Organizing workshops with Center Heads of Centres.
9. Sending list of transfer of field level workers and employees (working more than 3 years in one workplace) to head office.
10. Taking practical steps towards correcting liquidity stock (2 times a year) at branch level.
11. Initiating area cross visits at Regional Manager level.

To check whether the daily collected collection sheet is checked by the Branch Manager and he is depositing the collected amount to the Organizing Accountant accordingly.

1. To check whether the savings are returned more than the realization.
2. Closing of daily cash book and general ledger, closing of daily collection register, verification and signing of collection sheet, daily admission register, full payment register, savings withdrawal/return register, attendance register, movement register, verification of collections and dues as per receivable sheet etc. .
3. Signing checks as second signatory.
4. Monthly membership increase, loan increase, loan disbursement, loan collection, arrears collection, arrears prevention, etc., measurement of target achievement rate and determination of next month’s (lower/higher) target.
5. Month wise income-expenditure analysis and action taking.
6. Determination of month wise savings status targets (taking into account deposits and withdrawals).
7. Taking necessary measures for improving the quality of employees.

In addition to the above functions, carrying out special duties as per executive orders and carrying out assigned duties with integrity and dedication keeping in mind the values ​​of the organization.