MANAGER, Micro and Small Business

Finance Trust Bank was licensed as a Tier 1 Commercial Bank on 11th November, 2013, taking over the financial services business of Uganda Finance Trust Limited (MDI). Today Finance Trust Bank is a fully-fledged commercial bank serving a clientele of over 400,000 depositors and over 37,000 borrowers, through a network of 34 branches country wide. The bank offers a variety of Products and services including; Savings, Current accounts, Loans, Money transfer services and Bills payments to its target market which comprises of micro, small and medium entrepreneurs, salary earners and youth.

In order to meet the needs of its growing customer base, the company is seeking to recruit dynamic, self-motivated, result oriented professionals to fill the following position;

MANAGER, MICRO AND SMALL BUSINESS

This position reports to Head of Retail and will be based at the Head Office of the Bank.

Role of the Job:

The Manager – Micro and Small Business is responsible for developing and implementing strategies to drive sustainable growth and profitability of the micro and small business segment. The role focuses on portfolio growth, product development, sales enablement, risk management and ensuring the segment meets its overall financial and quality targets.

Key Deliverables:  

1. Develop and execute the micro and small business strategy and tactical business development plans in line with the Bank’s growth objectives and risk appetite.
2. Grow the micro and small loans portfolio and deposits while maintaining a high-quality loan book.
3. Participate in setting growth, quality and productivity targets and ensure timely communication of targets to the network.
4. Select target markets and refine customer value propositions to enhance the Bank’s competitive
   position.
5. Provide leadership and technical support to branches in building and managing micro and small
   business relationships.
6. Develop work plans for branch visits, new business development, customer engagements and call
   reporting.
7. Train and mentor relationship officers in credit underwriting, portfolio management and sales best practices.
8. Ensure adherence to credit policies, lending standards and documentation requirements to
   safeguard portfolio quality.
9. Regularly review portfolio performance, identify emerging risks and propose early remedial actions for problem accounts.
10. Review market and industry trends and recommend improvements or changes to existing micro and small business products.
11. Conduct regular customer visits to monitor performance of credit facilities and submit management
    reports on findings.
12. Foster a service-driven sales culture to drive relationship management, customer retention and cross-selling.
13. Collaborate with internal teams to ensure alignment with overall business objectives and coordinated execution.
14. Ensure compliance with CRB requirements and all applicable regulatory guidelines.
15. Identify, manage and mitigate risks associated with the micro and small business segment.
16. Perform any other duties as may be assigned by the Head of Department or Management.

Educational, Training and experience:

• At least a university degree in a business-related field such as Business Administration,
  Commerce, Accounting, Finance, Economics, Social Sciences etc.
• Master’s degree in business administration or in any of the above fields or a professional
  qualification such as ACCA is a strong added advantage.
• At least 3 years of experience in credit management at middle or senior level in a commercial
  bank
• Good at Product development and Management
• Strong as data analytics and MIS.

Financial Responsibility:

• Manage the micro and small business budget.
• Deliver agreed financial targets including revenue growth, customer acquisition, product mix and balance sheet growth.
• Ensure effective cost control within approved budgets.

Business Behaviours & Personal Specifications:

• High level of integrity, confidentiality and professionalism.
• Strong verbal and written communication skills.
• Ability to build effective working relationships across teams and regions.
• Results-oriented, proactive and accountable for delivery of business outcomes.
• Strong decision-making ability, including in uncertain or dynamic environments.
• Demonstrates leadership behaviours and serves as a role model for the Bank’s values.

QUALIFICATIONS, EXPERIENCE AND COMPETENCIES REQUIRED:

• A university degree in Finance, Business Administration, Economics or a related field.
• Master’s degree or certified banking/professional qualification (e.g. ACCA) is an added advantage.
• At least 7 years’ banking experience, with a minimum of 4 years in relationship management
  or SME/Micro business banking.
• Proven experience in business development, product management and portfolio growth.
• Strong analytical, critical thinking and problem-solving skills.
• Competence in credit analysis, sales leadership, negotiation, customer relationship management
  and risk assessment.

Position carries an attractive salary and benefits package.

Applications:

Suitably qualified candidates should address their application to Head, Human Resource, Finance Trust Bank, TWED PLAZA, Plot 22B, Lumumba avenue, Kampala, Uganda, and email it to jobs@financetrust.co.ug as well as photocopies of academic testimonials, and a CV. The CV should include telephone contacts and email addresses of three referees, one of who should be the most recent employer.

Closing date for submission of the applications is 9th January 2026. Only shortlisted candidates will be
contacted directly on Tel. Numbers 0312 222600 or 0414 341275 ONLY.

Please note that in line with the Bank procedures, no job offers are made online.

Finance Trust Bank is an equal opportunity employer, all qualified applicants will be considered
without regard to certain protected characteristics.