Bank-e-Millie Afghan (BMA) is the foremost first financial institution of Afghanistan established in 1933. Similarly, it was the first financial institution established in a public-private partnership set up with a 72% share held by the private sector. As the first bank in the country, BMA introduced formal banking services to the people and government of Afghanistan. Since then, the bank’s competitive strength and ongoing market leadership philosophy lays in its strong capital base and proven trustworthiness. In 1976, it was fully nationalized by the government of Afghanistan. Since its establishment, BMA has been a leading bank in providing modern and secure banking services. Securing depositors' funds is the top priority of the bank. At the same time, the bank is contributing considerably to the development of manufacturing, agriculture, services, and international trade in the country. BMA is operating based on strong corporate governance principles, financial risk management, and strict compliance to keep its credibility and trust. At present, BMA has 17 City Branches including the HQ and 4 Counters in Kabul, 22 Provincial Branches and 3 Counters accompanied by a broader outlook and prospect for growth and expansion in near future, and equity investments in the USA and England.

The Deputy Branch Manager supports the Branch Manager in overseeing daily operations, ensuring excellent customer service, achieving financial targets, and maintaining compliance with regulatory standards. This role involves leading the branch team, managing operational activities, and ensuring the branch runs efficiently while fostering a positive work environment.

Key Duties and Responsibilities:

1. Operational Management

• Assist in supervising daily branch operations, ensuring compliance with internal policies and external regulations.
• Monitor branch performance metrics, including customer satisfaction, sales targets, and operational efficiency.
• Ensure cash management and security protocols are strictly followed as per Operations policy and procedure.

2. Customer Service

• Address customer concerns, resolve issues, and enhance overall service quality.
• Promote bank products and services to meet customer needs and achieve branch sales targets.
• Build and maintain strong relationships with key clients.

3. Staff Supervision and Development

• Support, training, and development of branch staff.
• Delegate tasks effectively and monitor staff performance.
• Foster a team-oriented work culture, encouraging collaboration and motivation.

4. Sales and Marketing

• Assist the branch manager in implementing branch-level marketing and sales strategies to attract new customers.
• Analyze market trends to identify opportunities for growth.
• Monitor and achieve assigned sales targets.

5. Risk and Compliance

• Ensure all branch activities adhere to legal, compliance, and risk management standards.
• Conduct regular audits and reviews to identify and mitigate potential risks.
• Maintain up-to-date knowledge of banking regulations and procedures.

6. Reporting and Coordination

• Prepare and present performance reports to the Branch Manager and Branches General Manager.
• Collaborate with other departments to ensure smooth operational processes.
• Assist the Branch Manager in strategic planning and decision-making.

7. Other Responsibilities

• Provides a superior level of customer relations and promotes the sales and service culture through coaching, guidance and staff motivation.
• Managing difficult situations with customers and providing them with a resolution, information or additional options. Ensure quick and proper response to all reasonable customer requests.
• Supervise the cleanness and keeping fix asset of the branch.
• Responsible to take hand-over the vault keys and while BM is on leave he/she should take handover the keys from Branch manager  and get his/her signature on Key Register.
• Reconcile Physical Cash with system report before day end and Close the branch Treasury (vault) as per Cash Management Procedure/Bank Instruction and Report immediately any Shortage in Cash to line manager.
• Has ability to solve incident issues.
• Take necessary responsibility of the branch in the absence of branch manager
• Any other task assigned by Line Manager or will be assigned other duties and responsibilities as may be required to meet the goals and objectives of the bank.

Education: Bachelor’s degree in business administration, Economics, banking and finance and master’s degree is preferred.

Experience: 3 Years Related Banking Experience

Skills and Competencies:

• Customer Service and Customer Service Relationship management
• Professional and innovative.
• Persuasiveness and disciplined
• Effective communication skills
• Fluent in English, Dari and Pashto
• Operation Control skills and Cost-benefit analysis skills
• Data analysis skills
• Emergency and disaster management skills
• Need to be a leader, a problem solver and be goal-oriented.
• Ability to analyze and improve process.
• Ability to work under pressure and meet deadlines
• Excellent written and verbal communication skills

Qualified and interested applicants should apply online to vacancies@bma.com.af or submit their CVs and applications to the BMA’s HRM department in Kabul (Bank-e-Millie Afghan (BMA), Head Office, Ibne-Sina Watt) or to any of the BMA’s city and provincial branch before the closing date.

When applying, please clearly mention vacancy name and number in subject line of your email and/or papers and only shortlisted candidates will be contacted.