Chief Commercial and Credit Operations Officer at DUTERIMBERE IMF PLC | Kigali : Deadline: 28-07-2025

JOB ANNOUNCEMENT N° 005/2025

POSITION: CHIEF COMMERCIAL AND CREDIT OPERATIONS OFFICER

JOB TYPE: PERMANENT

REPORTING: CHIEF EXECUTIVE OFFICER

LOCATION: HEAD OFFICE, KIGALI, RWANDA.

1. INTRODUCTION

DUTERIMBERE-IMF PLC is a local community development microfinance institution established in 2004. Its mission is “to provide financial and non-financial services tailored to low-income entrepreneurs, primarily women, to help them improve their socio-economic conditions”. It is operating in 12 districts of Rwanda.

In order to provide efficient services to its clients, DUTERIMBERE-IMF PLC is seeking to recruit highly-skilled, self-motivated and experienced person to fill the position of Chief Commercial and Credit Operations Officer.

General Description:

The Chief Commercial and Credit Operations Officer (CCCO) at DUTERIMBERE IMF PLC is responsible for providing strategic leadership and oversight to the institution’s commercial and credit functions. The role ensures the growth, profitability, risk compliance, and operational excellence of the credit portfolio and all related commercial services. The CCCO drives business development, deposit mobilization, product innovation, and credit risk management to support the institution’s financial sustainability and social mission.

Key Accountabilities (Duties and Responsibilities)

1. Strategic Leadership

• Develop and implement integrated commercial and credit strategies aligned with DUTERIMBERE IMF PLC’s vision and objectives.
• Lead the design and review of credit, recovery, deposit, and product development policies and procedures.
• Provide strategic direction to all branch, credit, recovery, and commercial teams to ensure high performance and customer satisfaction.
  
  
  

2. Commercial Operations Oversight

• Supervise and guide the Senior Commercial Operations Manager, Branch Managers, Product Development and Marketing Manager, and Payment Systems Manager.
• Drive the institution’s deposit growth strategy through innovative product development, marketing, and customer engagement.
• Expand outreach and client acquisition, especially among women, youth, and underserved segments, in line with the institution’s mission.
• Build and maintain strategic relationships with partners, stakeholders, and clients to enhance business development.

3. Credit and Risk Management

• Provide oversight to credit analysis, disbursement, monitoring, and recovery processes.
• Supervise the Senior Credit Analyst Manager, Credit Disbursement Manager, and Recovery and Monitoring Manager to ensure operational efficiency and compliance.
• Review and approve large loan applications and chair the Central Credit Committee for high-value financing decisions.
• Monitor portfolio-at-risk (PAR), write-off rates, and implement corrective measures to maintain portfolio quality.
  
  
  

4. Compliance and Quality Assurance

• Ensure full adherence to internal policies, regulatory requirements, and client protection principles.
• Address audit observations and supervise the implementation of action plans.
• Oversee the legal and compliance checks related to all credit contracts and product offerings.

5. Performance Monitoring and Reporting

• Set and monitor performance indicators across all commercial and credit units.
• Oversee the preparation of consolidated reports on deposits, portfolio growth, credit risk, and recoveries for senior management and the Board.
• Use data and insights to guide improvements in operations and service delivery.

6. People Leadership and Capacity Building

• Build and mentor a high-performing commercial and credit team through training, coaching, and performance evaluations.
• Foster a results-driven, client-focused, and collaborative work culture across departments.
• Promote staff development initiatives aligned with business needs and growth priorities.
  
  
  

7. Other Responsibilities

• Represent DUTERIMBERE IMF PLC in key industry platforms, forums, and stakeholder engagements.
• Perform any other duties as may be assigned by the Chief Executive Officer.

Ideal Job competencies

Education & Experience:

• Master’s degree in Finance, Economics, Business Administration, or a related field.
• At least 8 years of progressive experience in commercial banking or microfinance, including 3 years in a senior leadership role in credit or business development.

Technical & Functional Skills:

• Strong knowledge of credit management, financial analysis, and risk assessment.
• Deep understanding of microfinance products, customer needs, and market trends.
• Proficiency in core banking systems, credit analysis tools, and Microsoft Office Suite.

Behavioral & Leadership Attributes:

• Strategic thinking with a focus on results and sustainability.
• Strong leadership, communication, and interpersonal skills.
• High integrity, professionalism, and ethical standards.
• Proven ability to manage teams, drive innovation, and deliver under pressure.
  
  
  

How to Apply?

Interested applicants fulfilling the above-mentioned criteria are invited to submit their application documents through the “Apply” Button by filling out the application form carefully. Only applications sent through the indicated channel will be considered.

Interested candidates should apply not later than 28^th July 2025.

N.B: Only candidates meeting the requirements will be invited for the written test and/or the interview.

Done at Kigali, on 22^nd July 2025.