Credit and Recovery Officer at Association of Microfinance Institutions in Rwanda (AMIR): (Deadline 13 August 2025)

Credit and Recovery Officer at Association of Microfinance Institutions in Rwanda (AMIR): (Deadline 13 August 2025)

Terms of Reference (ToR) for credit and recovery Officers
Job Information
Job Title: Credit and Recovery Officer
Reports to: SACCO Manager
Location: In provinces outside Kigali
Start Date: As soon as Possible.
Background
The Association of Microfinance Institutions in Rwanda (AMIR), is the national body representing all the microfinance institutions in Rwanda. The association was created in 2007 with 32 founding members, today AMIR represents 455 MFIs (including Microfinance Limited Companies, Non-Umurenge SACCOs, and Umurenge SACCOs) as licensed by the National Bank of Rwanda. AMIR’s vision is to become a strong and efficient organization that contributes to the development of the microfinance industry through the promotion of transparent management systems in MFIs, innovative and market-led financial services, and products.
AMIR is implementing the Rwanda MSME Financing Program (Kataza Program) to enhance the capabilities of 28 microfinance institutions (MFIs and SACCOs) to serve MSMEs in fifteen districts namely Nyagatare, Gatsibo, Kirehe, Ngoma, Gakenke, Burera, Musanze, Nyamasheke, Rusizi, Rubavu, Nyabihu, Nyamagabe, Nyaruguru, Huye, and Nyanza. The Kataza program impact will contribute towards the Young Africa Works target in Rwanda by enabling at least 54,000 youth, especially young women, to access dignified and fulfilling work by 2027.
To ensure effective and efficient loan management under the Kataza program, including product marketing, appraisal, disbursement, monitoring, and recovery in line with project guidelines SACCOs will be supported to expand access to credit, build financial literacy, and improve livelihoods.
In this context, AMIR plans to hire credit and recovery officers to support implementation of Kataza program to the SACCOs located in above mentioned districts. The Credit and Recovery Officers will ensure efficient delivery of credit services in alignment with the program’s objectives and funding requirements.
Responsibilities
Under the supervision of SACCO Manager, he (she) will be responsible for:
A. Loan Processing and Appraisal

•  Promote SACCO loan products to targeted and existing members.
• Ensure the initial contact with targeted customers and explain to them all requirements in loan application process;
• Carry out field visits at clients’ businesses and domiciles to ensure their capacities in loan reimbursement;
• Analyze credit application files and help eligible customers complete the files;
• Ensure the client’s eligibility based on institutional; l policy and program requirements;
• Constitute the credit application files and make its proposal to the credit committee for analysis and approval;
• Ensure credit disbursements and inform customers;
• Receive and review loan applications for accuracy and completeness.
• Conduct creditworthiness assessments, including character, capacity, collateral, and conditions.
• Prepare loan appraisal reports for the Credit Committee.
• Ensure the proper delivery of services and customer satisfaction;

B. Loan Disbursement and Monitoring

• Ensure that all approved loans are disbursed in compliance with SACCO policies and guidelines.
• Maintain accurate loan files and documentation.
• Regularly monitor loan utilization and repayment.
• Visit clients in the field for verification and follow-up.

C. Loan Recovery and Portfolio Management

• Track loan repayment schedules and follow up with delinquent clients.
•  Prepare and submit regular loan performance and recovery reports.
•  Implement loan recovery strategies, including renegotiation and legal action when necessary.
•  Ensure the high quality of loan portfolio;
•  Maintain the loan portfolio at risk (PAR) within acceptable limits (e.g., <5%).
•  Make the list of non-performing/written off loans and establish the schedule and plan for their recovery and submit the execution report to the SACCO Manager;

D. Customer Service and Member Education

• Provide financial education to members on responsible borrowing and saving.
• Address client inquiries and complaints promptly and professionally.
• Support members in understanding loan conditions, repayment plans, and financial planning.

E. Reporting and Compliance

• Prepare monthly loan reports for management and the Board.
• Ensure compliance with internal policies, BNR regulations, and relevant cooperative laws.
• Participate in internal and external audits and implement recommendations.
• Ensure effective data collection as per the program requirements;
• Timely reporting to kataza program on the program performance and progress as per the requirements;
•  Ensure effective collaboration with program’s consortium members.

4. Qualifications and Experience

• Must be a Rwandan;
• Bachelor’s degree in Accounting, Finance, Business Administration, or related field
• At least 2 years of experience in microfinance, SACCO, or related financial institution.
• Knowledge of loan management systems and credit assessment techniques.
• Basic understanding of BNR regulations and SACCO operations in Rwanda.
• Knowledge of mortgage registration in RDB;
• Knowledge of CRB reporting;
• Women are encouraged to apply;
•  Fluent in English and Kinyarwanda would be an advantage;

5. Skills and Competencies

• Strong analytical and numerical skills.
• Excellent interpersonal and communication skills.
• High integrity and ethical standards.
• Proficiency in Microsoft Office would be an advantage;
• Have ease of communication, adaptation and writing;
• Be of good moral character and social reputation.

6. Application Process
Interested candidates should submit a CV with at least two references, cover letter, ID, criminal record, notified copies of academic qualifications and relevant certificates to AMIR. Please make one PDF document combining all your application documents and submit via email: info@amir.org.rw  no later than 13/08/2025. Only selected candidates will be contacted for next steps.

AMIR Management