Group Branch Controller (M/F) - Dakhla - Layoune

Company :

With over 30 years of expertise, the Arrawaj Foundation is a major economic and social player in the microfinance sector. 

Based in Morocco and with over 2,000 employees across more than 270 branches and 15 regions, the Arrawaj Foundation is proud to contribute to the financial inclusion of project holders and micro-entrepreneurs excluded from traditional financing channels by offering them diversified, local, adapted, and innovative products and services.

The success of our institution is based on a foundation of core values that inspire the actions of all our employees and guide our relationships with stakeholders:

• Commitment: We are determined together to see things through.
• Respect: To better appreciate each other
• Ethics: The foundation of our conduct
• Responsibility: A sense of duty at the heart of our mission

Company culture :

Fondation Arrawaj features a culture primarily shaped by innovation, promoting creativity, agility and experimentation to drive impact and transformation. This orientation is strengthened by a competitive dimension, reflecting a strong focus on performance and results. Collaboration and organizational structure further contribute to the overall balance by supporting teamwork, accountability and structured ways of working. The environment appeals to autonomous, committed profiles who thrive in dynamic and evolving contexts.

Job :

Management of the permanent control system for the group of branches

• Deploy and coordinate the permanent control plan across all branches of the group.
• Ensure the quality and regularity of controls carried out in each branch.
• Identify common risks and propose cross-functional mitigation plans.
• Ensure the synthesis of control results and the reporting of anomalies to the regional/head office permanent controller.
• Anticipate fraud and develop detection mechanisms.

Compliance and analysis of credit files

• Supervise the compliance of credit files before and after disbursement for the entire group.
• Support branch controllers in verifying and processing detected anomalies.

Strengthening internal control and adherence to procedures

• Ensure the consistent implementation of management rules, internal procedures, and regulatory standards.
• Alert on any observed breach or deviation and propose corrective actions.
• Monitor the effective implementation of recommendations from previous audits and controls.

Reporting and communication with management

• Prepare periodic control reports for the group of branches.
• Present major findings, risk trends, and areas for improvement.
• Contribute to fostering a culture of excellence, rigor, and transparency within the group.

Required profile :

• Education: Bachelor's degree (Bac+3) or higher in management, accounting, finance, or audit.
• Training in regulation, compliance, and internal control is a plus.
• Additional training desired in risk management, team management, or performance management.
• In-depth knowledge of branch operations and microfinance products.
• Proficiency in credit granting and monitoring processes.
• Ability to plan and manage control activities across multiple branches simultaneously.
• Aptitude for analyzing risk indicators and deriving areas for improvement.
• Critical thinking and rigor in handling anomalies.
• Strong organizational skills, ability to manage priorities, and adapt to urgent field needs.
• High sense of responsibility and reliability.
• Analytical and forward-thinking mindset.
• Neutrality, integrity, and diplomacy in conducting controls.
• Availability, autonomy, and geographical mobility.

Head office address :

Desired personality traits :

Conventional Will to persuade Rationalism Flexibility Need for reflection Involvement at work Organization