Director of Credit
Description
Our Client, Cogebanque, has been in existence for the last 23 years. It has registered tremendous strategic expansions in line with its vision and core values as an economic operator in Rwanda. The bank currently operates with over 28 branches, over 385 active Bank agents and 36 ATMs across the country. The bank inaugurated a newly completed 8 storey property in 2018, which serves as its Headquarters at the heart of Kigali’s central business district.
In line with its vision to be a financial centre of excellence and a leading provider of innovative financial services, the Bank is looking to identify results-driven, visionary, strategic thinking experienced, and highly qualified leaders with excellent credentials, proven experience, demonstrated capacity, and know-how to fill the position of Director of Credit.
Reporting to the Chief Executive Officer, the Director of Credit will be responsible for planning and monitoring the growth and quality of the Bank’s credit portfolio in line with the bank’s mission and business plans. The role holder will also set targets and lending policies aiming to grow the bank’s lending products in a way that maximises profitability while maintaining quality.

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Key Responsibilities:
• Participate in the development and implementation of the Credit department’s strategic budgets and annual plans
• Develop, coordinate the implementation, monitor and evaluate commercial credit programmes/ work plans and risk strategies in line with the business plan to ensure business growth and mitigate risk
• Develop guidelines and for the bank’s lending operations that enable the maintenance of quality and maximisation of profitability
• Review retail and corporate business growth targets /trends and set benchmarks for the bank in line with the business plan
• Monitor the quality of the of the bank’s commercial credit portfolio, propose remedial actions in line with the business plan and the credit policies
• Liaise with the regional teams to implement credit supervision and monitoring activities for all branches in line with the divisional work plan and the regulatory framework, as well as the defined customer service standards
• Develop and review work systems, processes, policies and products for SME & corporate credit and make recommendations to management in line with the business plan of the bank
• Review credit applications, ensuring compliance of the application with regulations and assessing risk; approve as appropriate or make recommendations to management
• Manage the performance and development of staff in line with set HR guidelines; monitor productivity and efficiency of credit staff and recommend actions in line with the set productivity ratios and bank policies
• Sit in Management, Credit and Recovery Committees.

Requirements
• Be a holder of a Bachelor’s Degree in Business Administration, Finance, Accounting, Economics or Management and a Master’s in Business Administration or related field from a recognised University
• Have at least 10 years’ work experience in credit operations in a banking environment, five (5) of which should be at Senior Management level
• Be creative and innovative leader with strong background in credit management
• Have strong background in structuring transactions
• Have ability to understand balance sheet drivers.
• Strong data analytics competency
• Have knowledge in credit rating, modelling and utilization
• Portfolio management competency
• Proven data analytics and reporting skills
• Have strong command of digital lending processes
• Have strong risk structuring abilities
• Be a strong negotiator
• Have excellent relationship building and networking competency.

Submission Procedure
If you believe you meet the role requirements and can clearly demonstrate your abilities, please submit your application, including certified copies of relevant academic and professional certificates and testimonials, your curriculum vitae, details of your current position, current remuneration, as well as email and telephone contacts of three (3) referees who can speak of your competence, character, and integrity.
Email or hard copy applications will not be accepted. All applications must be submitted through the e-recruitment portal to be considered, and your application must be received by 27 January 2023
Apply for the position: https://apply.workable.com/deloitte-eastafrica/j/FEEED7E9D8/apply/