مدير فرع بنكي

Main role:

• To ensure the strategic, commercial, financial and managerial management of the agency. To guarantee the profitability of the entity, the development of the business and the absolute control of regulatory risks, while embodying the Bank's brand image locally.

Strategic Management and Representation

• Overall governance: Leading the agency on managerial, operational and financial levels to achieve profitability objectives.
• Local presence: Promoting the Bank's image among institutional and economic stakeholders in the area.
• Reporting: Ensure the interface with the General Management via periodic reports and the deployment of strategic orientations.

Business Development and Sales Promotion

• Business growth: Manage the sales action plan to increase market share (acquisition, prospecting and customer loyalty).
• Relational excellence: Guaranteeing quality of reception, customer satisfaction and optimal handling of complaints.
• Economic intelligence: Analyze the local landscape and competition to adapt the offer and propose product innovations.

Commitment, Risk and Compliance Management

• Risk & Credit Management: Chair the Agency's Credit Committee (CCA) and validate operations according to the delegations granted.
• Regulatory security: Guarantee strict compliance of customer operations, record keeping and adherence to internal procedures (audit/control).
• Financial management & litigation: Optimize cash flow, manage foreign trade and actively supervise the handling of unpaid invoices and pre-litigation matters.
• Technical supervision: Ensuring the continuity of IT processing and logistical security (goods and people).
• Team leadership: Supervising employees, leading briefings and maintaining a high-performing and disciplined work environment.
• Skills development: Promote training, versatility and professional development of teams.
• Budget management: To manage and optimize the operating budget allocated to the agency.

Comp tences techniques

• Mastery of banking products and services, credit and foreign trade.
• Knowledge of Algerian banking regulations and compliance rules (audit, internal control, anti-money laundering).
• Mastery of risk analysis and management.
• My mastery of office tools and banking information systems.

Personal qualities

• Leadership, decisiveness and the ability to unite a team.
• Commercial acumen and negotiation skills.
• Rigour, integrity and discretion.
• Excellent interpersonal skills and ease in institutional representation.
• Results-oriented and responsible.
• Wilayas concerned: Algiers, Blida, Batna, Béchar, Béjaia, Bordj Bou Arreridj, Stif, Bouira, Chlef, Constantine, El Oued, Mostaganem, Oran, Relizane, Touggourt.

Desired Candidate Profile

• Bachelor's degree (Bac+4/5) in banking, finance, economics, management or equivalent.
• Proven experience in the banking sector, including significant experience in branch and team management (duration to be specified).
• Experience in granting and monitoring loans, as well as in managing corporate and individual client portfolios.