- Junior Internal Auditor
Background
As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.
IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.
- Junior Internal Auditor
Department: Audit and Compliance
Reporting to: Senior Internal Auditor
Number of Position: 1
Job Summary
We invite applications for the position of Internal Auditor. The Internal Auditor at IBAKWE SACCO GATSIBO plays a critical role in strengthening governance, risk management, and internal controls within the SACCO. The position ensures that operations, financial reporting, and compliance practices adhere to internal policies, applicable laws (including the SACCO governance laws in Rwanda), and best financial practices. The Internal Auditor reports to the Audit Committee of the Board (functionally) and administratively to the Managing Director.
Duties and Responsibilities:
- To work diligently on the assigned work on time and to produce results;
- To comply with the instructions of the employer or his/her representative;
- To comply with the laws, regulations and decisions of the Cooperative;
- To follow the principles and rules governing the conduct of the Cooperative’s business activities;
- To prepare a monthly, quarterly and annual audit plan based on activities that appear to be likely to cause damage or waste the Cooperative’s assets;
- Ensure that internal audit guidelines and principles are properly followed to prevent errors or possible malpractices;
- Report any shortcomings in the daily operations of the department with a view to preventing theft, embezzlement and misuse of funds;
- Establish a table of issues identified by the audit, recommendations made by the audit and the methods for their implementation;
- Review whether the internal audit system is working properly, identifying strengths and areas for improvement, and providing recommendations for action;
- Review whether the accounting has been carried out in accordance with International Financial Reporting Standards (IFRS), the regulations of the Central Bank of Rwanda (BNR), and that the information contained is complete and reliable to assist in making informed decisions;
- Verify whether all activities of the Cooperative comply with applicable laws and regulations;
Qualifications & Experience required:
- Bachelor’s degree in Accounting or Finance.
- Three (3) years of experience in auditing & 3years of work experience in management position related to Microfinance &banking and a thorough understanding of Microfinance Banking and accounting practices.
- Good strategic thinking, with risk and control consciousness.
- Strong analytic skills.
- Professional qualification in auditing is an added value;
- High attention to detail and excellent analytical skills.
- Excellent communication skills
- Professionalism and integrity.
- Proven knowledge of auditing standards and procedures, laws, rules and regulations.
- Advanced computer skills on MS Office and Core Banking Software
Application Procedure
Interested and qualified candidates are invited to submit their applications including:
- Application letter addressed to the Chairperson of BoD of IBAKWE SACCO GATSIBO;
- Updated Curriculum Vitae (CV);
- Copies of academic and professional certificates;
- Copy of National ID or Passport.
Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.
Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM
Note: Only shortlisted candidates will be contacted.
Done at Gatsibo, on 05th, November, 2026
HAKIZIMANA Claude
Chairperson of BOD
IBAKWE SACCO GATSIBO
Click here to visit the source
2. Junior Risk & Compliance Officer
Background
As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.
IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.
Position: Junior Risk & Compliance officer
Department: Audit and Compliance
Reporting to: Senior Risk & Compliance
Number of Position: 1
Job Summary
We invite applications for the position of Internal Auditor. The Internal Auditor at IBAKWE SACCO GATSIBO plays a critical role in strengthening governance, risk management, and internal controls within the SACCO. The position ensures that operations, financial reporting, and compliance practices adhere to internal policies, applicable laws (including the SACCO governance laws in Rwanda), and best financial practices. The Internal Auditor reports to the Audit Committee of the Board (functionally) and administratively to the Managing Director.
Duties and Responsibilities:
- To work diligently on the assigned work on time and to produce results;
- To comply with the instructions of the employer or his/her representative;
- To comply with the laws, regulations and decisions of the Cooperative;
- To follow the principles and rules governing the conduct of the Cooperative’s business activities;
- To prepare a monthly, quarterly and annual audit plan based on activities that appear to be likely to cause damage or waste the Cooperative’s assets;
- Ensure that internal audit guidelines and principles are properly followed to prevent errors or possible malpractices;
- Report any shortcomings in the daily operations of the department with a view to preventing theft, embezzlement and misuse of funds;
- Establish a table of issues identified by the audit, recommendations made by the audit and the methods for their implementation;
- Review whether the internal audit system is working properly, identifying strengths and areas for improvement, and providing recommendations for action;
- Review whether the accounting has been carried out in accordance with International Financial Reporting Standards (IFRS), the regulations of the Central Bank of Rwanda (BNR), and that the information contained is complete and reliable to assist in making informed decisions;
- Verify whether all activities of the Cooperative comply with applicable laws and regulations;
Qualifications & Experience required:
- Bachelor’s degree in Accounting or Finance.
- Three (3) years of experience in auditing & 3years of work experience in management positions related to Microfinance &banking and understanding accounting practices.
- Good strategic thinking, with risk and control consciousness.
- Strong analytic skills.
- Professional qualification in auditing is an added value;
- High attention to detail and excellent analytical skills.
- Excellent communication skills
- Professionalism and integrity.
- Proven knowledge of auditing standards and procedures, laws, rules and regulations.
- Advanced computer skills on MS Office and Core Banking Software
Application Procedure
Interested and qualified candidates are invited to submit their applications including:
- Application letter addressed to the Chairperson of BoD of IBAKWE SACCO GATSIBO;
- Updated Curriculum Vitae (CV);
- Copies of academic and professional certificates;
- Copy of National ID or Passport.
Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.
Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM
Note: Only shortlisted candidates will be contacted.
Done at Gatsibo, on 05th, November, 2026
HAKIZIMANA Claude
Chairperson of BOD
IBAKWE SACCO GATSIBO
Click here to visit the source
3. Senior Risk & Compliance Officer
Background
As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.
IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.
Position: Senior Risk & Compliance officer (1 Post)
Reports to: Head of Internal Audit & Compliance
Governance, Audit & Compliance Responsibilities
Under the supervision and guidance of the Head of internal audit & compliance is responsible:
- To work diligently on the assigned work on time and to produce results;
- To comply with the instructions of the employer or his/her representative;
- To comply with the laws, regulations and decisions of the Cooperative;
- To take good care of and manage the equipment assigned to him/her in his/her work;
- To be at work and to respect working days and hours;
- To maintain confidentiality of work;
- To provide basic identification documents before starting work;
- To follow the principles and rules governing the conduct of the Cooperative’s business activities;
- Works out a draft of the risk management strategy;
- Sets up and adjusts the risk and capital inventory;
- Conducts risk measurement and stress testing on future liquidity chocks;
- Defines and assesses the early warning indicators;
- Proposes instruments for risk steering;
- Drafts the risk management reports ensuring that major risks are identified and reported including measures and recommendations;
- Supports in the implementation of internal controls;
- Continuously, enhance policies, practices and other control mechanisms to manage risks;
- Investigating potential violations of compliance policies and regulations;
- Advising management on compliance with laws, regulations, directives, rules and standards applicable to the Cooperative;
- Assisting management to effectively manage the cooperative’s risk;
- Educating staff on compliance issues;
- Drafts the contingency plan to manage liquidity risk;
Perform other duties that are not contrary to the laws and regulations required by the head of internal Audit and Compliance his/her superior body.
Qualification and Experience Requirements
- Bachelor’s degree in Economics, Accounting, Finance or related field.
- Three (3) years of experience in auditing or having 5Years work experience in banking on management positions and a thorough understanding of Microfinance Banking and accounting practices.
- Deep Knowledge in Financial Risk Issues and Mitigations.
- Excellent understanding of banking and financial regulations.
- Good skills in Excel, Word, PowerPoint and other Microsoft Office packages.
- Good strategic thinking, with risk and control consciousness.
- Strong analytic skills.
- Professional qualification in auditing is added value;
- High attention to detail and excellent analytical skills.
- Excellent communication skills
- Professionalism and integrity.
- Proven knowledge of auditing standards and procedures, laws, rules and regulations.
Advanced computer skills on MS Office and Core Banking Software.
HOW TO APPLY
Interested and qualified candidates should submit the following documents:
- Motivation letter addressed to the Chairperson of the Board of Directors.
- Updated Curriculum Vitae (CV) with at least three (3) professional referees and their contact details.
- Copies of academic degrees and certificates.
- Copy of National ID.
- Certificates of service rendered or previous employment certificates proving relevant experience.
- Any other relevant supporting documents proving experience and competencies.
Please note that all required documents must be submitted as hard copies to IBAKWE
SACCO GATSIBO Headquarters. Applications sent by email will not be considered.
Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM
Note: Only shortlisted candidates will be contacted.
Done at Gatsibo, on 05th, November, 2026
HAKIZIMANA Claude
Chairperson of BOD
IBAKWE SACCO GATSIBO
Click here to visit the source
4. Branch Business Manager
Background
As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.
IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.
Position: Branch Business Manager (1 Posts)
Reports to: Branch Business Coordinator
Key Responsibilities
Under the supervision and guidance of the Branch Business Coordinator:
- To work diligently on the assigned work on time and to produce results;
- To comply with the instructions of the employer or his/her representative;
- To take good care of and manage the equipment assigned to him/her in his/her work;
- To be at work and respect working days and hours;
- To maintain the confidentiality of work;
- To provide basic identification documents before starting work;
- To follow the principles and codes of conduct governing the business activities of the Cooperative;
- Ensure day to day activities of the branch;
- Approves and authorizes of branch expenses within defined limits;
- Conducts inventory for cash and approval of daily summary of cash register according to deposit and withdrawal slips;
- Approves the closure of till;
- Prepares reports about activities in the branches;
- Provides approvals according to processes specified in policy and procedure manuals (e.g. transactions, account opening and closing);
- Manages and supervises branch staff (day-to-day supervision, performance review etc.) and interaction with HR department on disciplinary measures, needs assessment etc;
- Conducts the marketing for IBAKWE SACCO GATSIBO branch within the local community;
- Performs cash, revenue and expense planning and forecasting as well as regular status updates for the branch;
- Verifies and approves loan analysis and contract signing for loans;
- Performs issue handling for loans (e.g. misuse, rescheduling, delinquent loans);
- Communicates with the headquarter (provides information on branches and outlets and receives guidance from headquarter);
- Chairs the credit committee at branch level;
- To promote the activities of the branch in terms of products including loans, to collect at the branch level the responsible items of an action plan and a strategic plan;
- Collect information related to the establishment of profitable projects in accordance with the current vision;
- Encourage and motivate members and clients in general to save and deposit in the form of performance contracts;
- Submit timely reports to the relevant authority within the specified time frame;
- Comply with and support internal controls and procedures and obtain reliable management information for the branch;
- Implement decisions of the board of directors;
- Implement the recommendations of auditors;
- Report and monitor that the branch’s treasury does not exceed the predefined in cash management;
- Monitor the performance of branch staff through performance contracts and performance appraisals;
- To foster good relations with members, customers, employees, government agencies and other stakeholders;
- To monitor and verify the accuracy of financial management and accounting activities and on daily and monthly basis;
- To monitor the way in which funds are transferred to or withdrawn from the branch in their limits;
- To develop and expand the branch in all activities in accordance with the Cooperative’s mission;
- To analyze, manage and report on the problems’ root causes and serious problems at the branch level;
- To monitor and improve internal controls at the branch level;
- To ensure that branch staff work effectively and in accordance with the Cooperative’s mission and objectives;
- To participate in financial control in the event of over surplus and when there is a shortage of funds in the cash register;
- To perform any other duties that do not conflict with the laws and regulations that may be required by the supervisor or his /her superior authority.
Qualification and Experience Requirements
- At least Bachelor’s degree in Economics, Accounting, Finance or related topics.
- Three years’ of experience in microfinance or banking industry at least (loan & recovery officer and Operation position)
- In-depth understanding of banking processes
- Focused on customer service.
- Encouraging to team and staff, able to mentor and lead.
- Eager to expand branch with new accounts, clients, and businesses.
- Experienced at compiling and following strict budgets.
- Able to multitask, prioritize, and manage time efficiently.
- Knowledge of saving policies, loan management, finance, accounting, budgeting, cost accounting.
- Fluency in spoken and written English. Knowledge of French is added advantage.
- To have driving license category A is additional advantage.
HOW TO APPLY
Interested and qualified candidates should submit the following documents:
- Motivation letter addressed to the Chairperson of the Board of Directors.
- Updated Curriculum Vitae (CV) with at least three (3) professional referees and their contact details.
- Copies of academic degrees and certificates.
- Copy of National ID.
- Certificates of service rendered or previous employment certificates proving relevant experience.
- Any other relevant supporting documents proving experience and competencies.
Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.
Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM
Note: Only shortlisted candidates will be contacted.
Done at Gatsibo, on 05th, November, 2026
HAKIZIMANA Claude
Chairperson of BOD
IBAKWE SACCO GATSIBO
Click here to visit the source
5. Loan Officer (x3)
Background
As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.
IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.
Position: Loan Officer (3 position)
Reports to: Business Branch Manager
Key Responsibilities
Under the supervision and guidance of the Branch Business Manager:
- To work diligently on the assigned work on time and to produce results;
- To comply with the instructions of the employer or his/her representative;
- To take good care of and manage the equipment assigned to him/her in his/her work;
- To be at work and respect working days and hours;
- To maintain the confidentiality of work;
- To provide basic identification documents before starting work;
- To follow the principles and codes of conduct governing the business activities of the Cooperative;
- Meets with applicants to explain the loan products and application process, to obtain information for loan applications and to answer questions about the process;
- Compiles application documents, check for completeness and quality and submit applications to the respective authorized staff or committee;
- Negotiates payment arrangements with customers who have delinquent loans;
- Monitors the use of disbursed loans (member visit and documentation) and monitoring of loans for irregularities;
- Files all documents related to loans;
- Prepares documents related to loan rescheduling and loan refinancing for the decision-making authorities;
- To receive and analyze loan application files if they are complete, and to visit the collateral of loan applicants and the projects to be financed for determination of feasibility of granting a loan;
- Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;
- Monitoring the repayment of loans and participating in the recovery of non-performing loans (NPLs) while respecting the default criteria;
- Assessing the borrower’s ability to repay and providing technical advice to the Board of Directors’ Credit Committee for decision-making;
- Providing technical advice to members wishing to apply for loans and conducting awareness-raising activities on credit;
- Preparing provisions for loans in arrears and provisions for loans that have been written off;
- Preparing loan agreements and implementing the recommendations of the Board of Directors’ Credit Committee;
Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest;
- Providing sound advice to the Board of Directors’ Committee on Loans in a timely manner to ensure that the members’ requests are met;
- Providing advice on the performance of projects for which loans have been requested to members on the appropriate use of loans;
- Providing and evaluating loans in accordance with the loan policy and guidelines and the laws and regulations relating to loans;
- Submitting all requests from loan applicants for extension, modification or renewal to the Board of Directors credit committee, management or as provided in the policy;
- Maintaining and updating loan documents and credit committee meeting documentation in protected manner;
- Attending training, meetings and activities aimed at improving loan evaluation skills;
- Advise the credit committee or the board of directors on changes to be made to credit policies or regulations;
- Advise on alternative credit options for applicants who are able to repay but are unable to obtain the credit as requested;
- Assist management in preparing written documents explaining each stage of the credit process;
- Prepare and submit timely credit management reports to the department representative;
- Assist in conducting research, evaluation and other studies related to the development of the Department;
- Perform other duties that are not inconsistent with the laws and regulations as may be required by the supervisor or his/her superior authority.
Qualification and Experience Requirements
- Bachelor’s degree in accounting/business administration or related field.
- Having at least three years of experience in monitoring and collaborating with people in various activities.
- Having Driving license category, A is added value
- Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
- Familiarity with computers and banking applications/software.
- Good judge of character to make accurate assessments about people, especially their credibility and their reliability, in determining a loan.
- Excellent communication and interpersonal skills.
- Strong analytical and problem-solving skills.
- Strong dedication to accuracy.
- Good understanding of mathematical and numerical data.
- Must have license category A
HOW TO APPLY
Interested and qualified candidates should submit the following documents:
- Motivation letter addressed to the Chairperson of the Board of Directors.
- Updated Curriculum Vitae (CV) with at least three (3) professional referees and their contact details.
- Copies of academic degrees and certificates.
- Copy of National ID.
- Certificates of service rendered or previous employment certificates proving relevant experience.
- Any other relevant supporting documents proving experience and competencies.
Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.
Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM
Note: Only shortlisted candidates will be contacted.
Done at Gatsibo, on 05th, November, 2026
HAKIZIMANA Claude
Chairperson of BOD
IBAKWE SACCO GATSIBO
