Head of Operations
 JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
Head of operations (1)
Responsibilities & tasks : Under the supervision and guidance of the Managing Director :
- 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 rules governing the conduct of the Cooperative’s business activities ;
- Plans and monitors the day-to-day running of business to ensure efficiency and high quality of work in the department ;
- Supervise and support the staff in their roles of implementing their tasks and responsibilities ;
- Participates in all management meetings ;
- Creates strategies for the department with senior management ;
- Revises and/or formulates all related policies and promote their implementation ;
- Oversees compliance with regulations and procedures applicable to the department ;
- Manage relationships/agreements with staff, members/ customers and other external partners ;
- Prepares timely and detailed reports on financial and operational performance of the department ;
- Evaluates regularly the efficiency of business procedures according to RATWA SACCO HUYEs objectives and apply improvements ;
- To follow the principles and codes of conduct governing the business activities of the Cooperative ;
- To supervise and manage all employees in the operations department ;
- To review and coordinate the daily activities of the Cooperative on a timely basis ;
- Assist in the preparation of new policies and procedures and amendments or legal reform to the existing policies and regulations, especially those related to operations ;
- Comply with and implement laws, general regulations, policies and procedures and decisions of the Cooperative ;
- Assist in ensuring that there is an effective control system in the Cooperative ;
- Prepare and submit the reports of activities to the MD for approval ;
- Assist in the preparation of strategic plans and action plans ;
- Assist in the preparation and analysis of the budget ;
- Review and analyze the reports of activities prepared by employees ;
- Assist in conducting research, evaluation and other feasibility studies related to the development of the Cooperative ;
- Performing other duties as provided for in the policies and procedures governing the Cooperative ;
- Any other duty that does not conflict with the laws and regulations as requested by the Managing Director or his/her superior authority.
Qualification Criteria/Job Requirements:
- Master’s degree in accounting or Finance/ Accounting/Business Administration/Microfinance and related fields or Bachelor’s degree in Finance/ Accounting/Business Administration and related fields with 10 years of experience on senior management positions in Microfinance/banking industry
- Minimum five (5) of experience in operation.
- Excellent organisationnel and leadership abilities.
- Out standing communication and people skills.
- Strong decision-making abilities.
- Working knowledge of data analysis and performance/operation metrics.
- Advanced knowledge of MS Office including: Microsoft Word, Excel, and Outlook, Microsoft PowerPoint and Adobe Acrobat.
- Fluency in spoken and written English. Knowledge of French is added advantage.
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of the Board of Directors at RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting documents as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
RATWA SACCO HUYE
2. Accountant
JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
ACCOUNTANT (Head Quarters) (1)
Responsibilities & tasks : Under the supervision and guidance of the Head of Finance & Administration:
- To work diligently on the assigned tasks 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 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;
- Ensures that the accounting systems of the Institution comply with the accounting standards;
- Verifies the correctness of cash, general ledger account balance with balance carried; according to the month end cash collection and deposit report;
- Follows up the status of accounts receivables, and other collections and payables;
- Prepares the inventory for asset accounts in cooperation with the concerned departments;
- Reviews ledger accounts, track balances for correctness and prepares an interim annual financial statement and closes books of accounts on the end of every fiscal period;
- Facilitates audit activities, submits timely financial reports and provides required data and information that maybe required by auditors, implements auditor’s recommendations;
- Closes books of accounts, and prepares financial statements (income statement, balance sheets, etc.) and reports to various stakeholders (e.g. BNR) periodically;
- Reconciles accounts with debtor and creditors;
- Reconciles the interbranch, inter-district and interbank accounts and investigation on reasons for unbalanced/unreconciled accounts;
- Maintains share and member register;
- Checks and certifies correctness of payroll, travel allowances, per diem and related payments;
- Consolidates financial statements of branches;
- Processes banker’s cheque requests and transactions;
- Prepares the annual tax declaration;
- Any other duty that does not conflict with the laws and regulations as requested by the Head of Finance & Administration or his/her superior authority.
Qualification Criteria/Job Requirements :
- Bachelor’s degree in accounting or related field.
- Proven years of relevant experience.
- Accounting certification would be added value.
- Minimum five (5) of experience in Micro finance institution (MFIs)/ Banks.
- Advanced knowledge of related statutory and regulatory banking compliance regulations, accounting principles, and tax laws.
- Good skills in the use of computers and Core Banking Software.
- Good financial reporting skills.
- Good planning, organizational, analytical and decision-making skills.
- Integrity
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of the Board of Directors at RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting documents as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
RATWA SACCO HUYE
3. Branch Operation Officer
JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
 BRANCH OPERATION OFFICER (3)
Responsibilities & tasks: 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;
- Monitors all operations activities to ensure optimal standard of all services offered to the customers and members in the RATWA SACCO HUYE;
- Ensures that all security related standards are in place (e.g. key and access code management, monitoring of security personnel, security audit);
- Ensures that all equipment needed in the branch;
- Documents branch-level purchases and collecting and sending corresponding invoices to HQ;
- Is responsible for supervision operations of outlets/sub-branches and contact point for all branch and sub-branch staff;
- Is responsible for the inventory list of passbooks, bank cards, cheque books, PINs etc;
- First point of contact for agents operating in the branch’s region and monitoring of agents;
- To monitor all business activities carried out on a daily basis;
- To ensure that all financial security principles are in place and adhered to;
- To ensure that all equipment required by the branch is properly stored and recorded;
- Maintaining proper records of the branch in the field of purchasing and collecting and initiating or sending related receipts to the headquarters;
- Managing the list of member booklets, bank cards, checking books, passwords (PINs), etc.;
- Ensuring that the amount of cash is kept in accordance with the relevant laws and regulations;
- Receiving and coordinating daily reports and distributing money to the cashiers when necessary and ensuring that they work in accordance with the relevant policies and regulations;
- Checking the money that the cashier has issued and received;
- Receiving members or any other person in his/her duty;
- Reporting to the Branch Manager daily and monthly on the operational activities carried out in the branch;
- Keeping accurate records of cash receipts and disbursements;
- Checking the cash in the safe against the accounting books and systems;
- If necessary, he/she may assume the responsibilities of the branch manager in his/her absence;
- Transferring funds from one account to another when authorized;
- Reporting to the branch manager in the event of a loss/shortage or excess/surplus cash in the cash register;
- Reconciling the cash at bank on members’ accounts at the branch level;
- Keeping supporting documents for activities carried out in a timely and secure manner;
- Performing other duties that do not conflict with the laws and regulations required by the supervisor or the superior authority.
Qualification Criteria/Job Requirements :
- Bachelor’s degree in accounting/business administration or related field.
- In-depth understanding of banking processes.
- Focused on customer service and effective and efficient RATWA SACCO HUYE operations.
- Three years’ experience in the microfinance and banking industry.
- Able to multitask, prioritize, and manage time efficiently.
- Verifications and approvals according to the processes in the policy and procedure manuals.
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of the Board of Directors of RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting document as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
RATWA SACCO HUYE
4. Loan Officer (x3)
JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
LOAN OFFICER(3)
Responsibilities & tasksUnder 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 Criteria/Job Requirements
- Bachelor’s degree in accounting/business administration or related field.
- 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.
- Three years’ experience in the microfinance and banking industry.
- Excellent communication and interpersonal skills.
- Strong analytical and problem-solving skills.
- Strong dedication to accuracy.
- Good understanding of mathematical and numerical data.
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of the Board of Directors of RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting document as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
RATWA SACCO HUYE
5. Teller (x2)
JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
TELLER(2)
Responsibilities & tasks :Under the supervision and guidance of the Branch Operations Officer/Outlet 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 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;
- Conducts cash related services to customers/ members, e.g., withdrawals and deposits;
- Initiates transfers from customer/member accounts, e.g., interbranch transfer;
- Performs cheques related services to customers/ members, e.g., crediting a cheque;
- Performs disbursements of loans;
- Performs change of coinage and foreign exchanges;
- Supports in opening, filling, discharging, and closing a till;
- Performs cross-selling;
- To welcome and assist members who need services related to deposits and withdrawals;
- To receive and pay members or customers the approved amount;
- To manage the till/store he/she is responsible for;
- To fill out the member’s booklet correctly;
- Participate in the closing of the daily operations of the Cooperative, especially the control of funds;
- Provide all documents supporting his/her daily operations;
- Be held accountable for all errors that appear in his daily operations, including the
- Perform other duties that do not conflict with the laws and regulations required by the supervisor or his/her superior authority.
Qualification Criteria/Job Requirements
- At least secondary education (A2) in related domain.
- Basic IT literacy of CBS and Office.
- Ability to handle transactions accurately and responsibly.
- Good math skills.
- Attention to detail.
- Customer satisfaction oriented.
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of Board of Directors of RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting document as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
RATWA SACCO HUYE
6. Customer Care
JOB VACANCY ANNOUNCEMENT
The Management of RATWA SACCO HUYE informs all qualified and competent candidates that is recruiting for the following position :
 CUSTOMER CARE(1)
Responsibilities & tasks :Under the supervision and guidance of the Branch Operations Officer with Reporting line to 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;
- Welcomes members/customers, provides advice and recommendation where to find the right contact person;
- Handles complaints professional and provides a courteous approach to resolving complaints;
- Files documents of the SACCO, e.g., member documents;
- Initiates and updates all documents related to members information (e.g., electronic customer file, membership applications, authorizations, customer notes);
- To provide good and efficient service to customers;
- To follow up on customer complaints that have been referred to other appropriate authorities;
- Assist in resolving daily customer issues and ensure that they are timely responded in accordance with established customer service policies and regulations;
- Maintain knowledge of all products and services offered by the Cooperative and provide information on the Cooperative’s products and activities to members and customers in general;
- Receive and assist members and customers in general who require services related to deposits and withdrawals and ensure the security of related documents;
- Ensure that the information recorded in the member’s passbook matches with his/her account in the electronic system;
- Collect and report on unresolved customer complaints or issues and requests for follow-up, documentation and submission to the relevant authority for consideration;
- Assist in the implementation of the Cooperative’s policies, procedures and guidelines for customer care;
- Participate in the implementation of the customer care policy and in particular the protection of financial services consumers;
- Inform and explain to members and customers information regarding the contents of their accounts;
- Assist customers in completing any documents that may be required;
- Conduct Customer Satisfaction Surveys in accordance with the relevant regulations;
- Open new accounts and ensure that their documents are submitted to the relevant department or employee for approval;
- Maintain good relations with all customers, focusing on changes and new needs in the Cooperative;
- Issue bank statements to members and customers after payment of the required fees;
- To provide advice to members and clients in general by teaching them how to invest and maintain a culture of saving;
- To perform other duties that do not conflict with the laws and regulations required by the supervisor or his/her superior authority.
Qualification Criteria/Job Requirements
- At least secondary education (A2) in related domain.
- Excellent service orientation and attention to details regarding the atmosphere in the SACCO.
- Good communication and interpersonal skills.
- Two years’ experience in customer care services.
- Excellent multi-tasking skills and be able to function under pressure.
- Excellent negotiation skills and be able to influence people.
- Must be patient and willing to help others in solving problems while maintaining a positive attitude at all times.
Interested candidates are requested to submit :
- Application letter addressed to the Chairperson of the Board of Directors of RATWA SACCO HUYE
- Updated Curriculum Vitae(CV)
- Copies of academic certificates
- Copy of National ID
- Any other supporting document as proof of experience.
Submission details :
Applications should be submitted phyisically to :
RATWA SACCO HUYE – Head Office
Office of HR, Procurement and Logistic
The deadline for submission of applications is 19 October 2026 at 5Â :00 PM
Only shortlisted candidates will be contacted for further recruitment processes
Done at Huye 05/10/2026
DUSENGIMANA Osee
Chairperson of Board of Directors of RATWA SACCO HUYE
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