Main Responsibilities:

1. Marketing new business and managing existing business to enable the bank to realize revenue targets which are prescribed without compromising on credit risk appetite.
2. Grow and monitor the SME banking asset and liability portfolio with ultimate aim of ensuring that it remains profitable and of quality. Particularly responsible for growing the SME Tier 1 portfolio as per the bank SME strategy and in the region assigned.
3. Maintain excellent relationship with existing and prospects SME clients to sustain business growth and increase wallet share and customer profitability.
4. Initiate credit facilities through in-depth quality preliminary analysis. Process credit applications within stipulate TAT to ensure delightful customer experience.
5. Resolve retail business customer inquire to improve customer satisfaction.
6. Prepare weekly sales report, Monthly portfolio report including credit reviews, monthly pipelines.
7. Monitoring loan facility, detect and restore to performing, all debts falling into arrears to performing debts with aim to insure minimum portfolio at risk. Properly handover to recovery units all loans downgraded to the grade 3.
8. Promote alternative channels through raising the usage of internet banking, Mobile banking, and cards by business customers. Acquire, train, and ensure retention of merchants & Agents through effective relationship management.
9. Managing strategic partnerships is important for SME Banking Growth.
10. Maintain and grow the Biashara Club proposition through onboarding of new members and retention of existing members
    
    
    

Daily Responsibilities.

1. To prepare daily, weekly, and monthly SME performance report
2. To meet, identify and evaluate customers’ or prospects’ financial needs to mobilize new accounts, deposits and quality loans.
3. To monitor the utilization of drawn facilities and prevent migration to NPL and overdrawn accounts.
4. Capture SME business credit applications in Credit Quest.
5. Mobilize deposits
6. Make customers’ business (prospects, existing, agents, merchants and partners) call visits.
7. Biashara Club Management
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in any business-related field
2. Minimum Five (5) Year’ experience in banking operations Sales, Credit appraisal and lending, Relationship Management

Click here to visit the website source

Main Responsibilities:

1. Contract Management: drive contract lifecycle from drafting through completion of negotiation process, review and contract execution.
2. Perform due diligence and risk assessment on contracts transactions including undertaking legal risk analysis and providing legal support for new and ongoing projects.
3. Ensure contracts are in compliance with applicable laws and regulations and remain up to date with legislative changes that could affect current and future contracts.
4. Investigate and draft legal responses to claims against the bank or other requests of legal nature.
5. Manage the litigation portfolio in which the Bank is a party to ensure adequate representation including appearing before any court or tribunal as a witness or to watch brief as necessary.
6. Liaise and instruct external lawyers and other external legal services providers in relation to any proceedings where external legal counsel may be required.
7. 7. Manage litigation costs and measure external lawyers and other external legal services providers to ensure efficiency.
8. 8. Provide legal opinions/guidance in relation to all aspects of contracts and litigations matters.
9. 9. Conduct Legal awareness training across business.
   
   
   

Daily Responsibilities.

1. Provide legal opinions/ guidance to the business and carry out legal research.
2. Draft/Review contracts to which the Bank is a party to.
3. Respond to legal correspondences.
4. Receive and assess claims against the Bank.
5. Instructing and liaising with external lawyers and other external legal services providers.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree LLB
2. Minimum (6) Year’ experience in Legal practice, Legal drafting, Legal communication &Advocacy
3. Professional qualification: Post Graduate Diploma in law Arbitration Mediation.

Click here to visit the website source

Main Responsibilities:

1. Installation, configuration and upgrading of T24 application environments whenever   required.
2. Perform T24 application tuning and performance monitoring
3. Administer the T24 unix servers and the High availability clustering solution and ensure system availability within the required RTO (Recovery time Objective) and RPO  (Recovery Point Objective).
4. Evaluate new T24 features and related products
5. Oversee all development and integrations aspects between T24 and 3rd Party Systems
6. Interface with Temenos Corporation for technical support.
7. Coordinate extraction of business/MIS reports and ensure distribution to relevant 3rd party systems such as Data warehouse in addition to availing the same to respective business units.
8. To ensure that all system changes are fully documented and to maintain the documentation to a professional level
9. Liaise with change management team and business sponsors in keeping up to date the   T24 software version by scheduling upgrades, patch release implementation and software development into the production environment.
10. Administer the T24 data storage and clustering infrastructure and formulating disk space management policies.
    
    
    

Daily Responsibilities.

1. T24 application tuning and performance monitoring.
2. Upgrades, patch release implementation and software development into the production environment.
3. Provide T24 test environments on request to various departments in the bank.
4. Troubleshoot, escalate and follow up resolution of errors warnings generated by the T24 unix servers, T24 application, in consultation with the relevant support consultants.
5. Coordinate with the T24 operators in resolving T24 operational and COB related issues by engaging the Temenos support desk and availing requested data and logs.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree Information Technology or related field
2. Minimum three (3) Years’ experience in Experience Unix Administration, Experience Backups & Storage, Experience T24 administration
3. Professional qualifcation: IT certification

Click here to visit the website source

Main Responsibilities:

1. Develop and implement the Treasury Sales Strategy to meet the targets set.
2. Grow the bank’s treasury customer base through recruitment of new clients as well as ensuring high levels of customer service and relationship management for existing clients.
3. Perform regular market analysis, ensuring that management is updated on Treasury market trends and behaviors; and appropriate responses are implemented.
4. Effectively market all Treasury Products to customers, and ensure action is taken on feedback received from stakeholders so that products remain fit for purposes.
5. Facilitate the understanding of treasury sales opportunities by staff in other departments i.e. Retail, Corporate etc. to achieve and surpass set targets.
6. Assist to promote treasury products and provide treasury advisory services to the bank’s customers
7. Work on business units’ referrals and structure tailor-made products /solutions to suit both customers’ hedging and investment needs.
8. Effectively cross-sell treasury products by organizing training programs and updating business units on treasury product developments
9. Gather treasury market intelligence to identify suitable products for product development.
10. Assist in product development.
    
    
    

Daily Responsibilities. 

1. Monitor Foreign Exchange gains and volumes performance and provide suggestions for improvement.
2. Own the Foreign Exchange trading and revaluation Profits and Loss account.
3. To strengthen the NGOs portfolio penetration by working closely with Business units.
4. Prepare and implement a weekly customer visit plan.
5. Participate in client meetings, analyze client requirements and ensure implementation of solutions within agreed timeframes.
6. Ensure compliance with the Regulatory framework and Internal policies.
7. Conclude the Foreign Exchange deals (sale or purchase currencies) with clients on phone.
8. Provide sales support for Treasury Management products and services
9. Will be responsible for follow-up on cross-sales of specific treasury management customers and/or specific treasury management products
10. Assist in internal training on treasury services & products for Corporate, Business Banking and Retail staff and other bank personnel, as appropriate.
11. Meets with business teams to review their accounts and identify prospective customers for Treasury and cash management services.
12. Drive implementation of sales team performance plans, coaching them and holding them accountable for productivity
    
    
    

Educational qualifications and work experience:

1. Bachelor’s degree in accounting, Business administration, any other related field
2. Professional Certification: ACI Certificate, is an added advantage
3. A master’s degree in a business-related field is an added advantage.
4. More than 5 years’ experience in Banking industry experience, Relationship Management, Treasury Sales, and Client Relationship Management

Excellent communication and stakeholder management skills

Click here to visit the website source

Main Responsibilities:

1. Develop, implement, and oversee Women Banking strategies to grow liabilities and assets, ensuring profitability and quality of the portfolio.
2. Design and deliver innovative products and services tailored to women-owned businesses, encouraging entrepreneurship and promoting financial literacy among women entrepreneurs.
3. Mobilize deposits and manage lending initiatives for Women SME clientele, ensuring alignment with the Bank’s objectives and social impact goals.
4. Identify and cultivate strategic partnerships with donors, NGOs, government agencies, and other stakeholders to support women empowerment initiatives.
5. Champion the creation of a robust ecosystem for women clients, providing training, coaching, and advisory services to enhance financial inclusion and business growth through Biashara Club.
6. Ensure a delightful customer experience by promptly addressing customer inquiries, resolving complaints, and continuously improving service delivery.
7. Coordinate cross-functional collaboration with relevant departments (e.g., Credit, Finance, Marketing) to ensure effective implementation of Women Banking strategies.
8. Conduct regular performance tracking and portfolio monitoring, providing insights and recommendations to enhance growth and mitigate risks.
9. Oversee the documentation, reporting, and record-keeping of all Women Banking projects and programs in compliance with regulatory and Bank standards.
10. Continuously drives a high-performance culture through effective team coaching, mentorship, and performance management.
    
    
    

Daily Responsibilities. 

1. Forecast and plan for portfolio growth, implementing strategies to meet daily sales and revenue targets within budget constraints.
2. Evaluate and oversee the quality of the Women Banking loan book, ensuring timely follow-ups on repayments and addressing any credit risks.
3. Engage with customers and partners, facilitating product education sessions, building relationships, and promptly resolving service issues.
4. Track marketing activities and measure their impact on Women Banking product uptake, adjusting tactics as needed.
5. Lead and motivate the Women Banking team, fostering collaboration across units to achieve set objectives and ensure a culture of service excellence.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in any business-related field
2. Minimum Five (5) Year’ experience in Sales and Relationship Management, Credit, Banking Operations, Business development

Click here to visit the website source

Main Responsibilities:

1. Conduct training and knowledge sessions across branches for easy cross-selling and appreciation of Trade products.
2. Offer relevant support to the branch network and corporate banking in Trade sales and structuring Trade related deals.
3. Develop and maintain a reliable portfolio of Trade customers for a focused growth strategy.
4. Follow up resolution of Trade Finance related complaints and queries within agreed SLA to derive customer satisfaction.
5. Business development – managing and retaining existing relationships and generating new business in the assigned market segments by providing Trade Finance solutions. This will include increasing the customer base, growth in trade balance sheet and off-balance sheet (agreed targets), increased facility utilization and actively cross-selling other bank products and services.
6. Deliver agreed product and income targets to enhance growth of the Trade Finance proposition.
7. Constantly review the Bank’s Trade revenue collection in order to ensure any income leaks are closed.
8. Identify and follow up business leads, including but not limited to credit approval, and disbursement within agreed service standards.
9. Depute the Trade Finance Manager in attending to Trade Finance matters if out of office.
10. Lead, motivate, and continuously develop a credible high performing team.
11. Review of portfolio performance
12. Customer engagements alongside relationship managers.
13. Stakeholder engagements with business functions on business performance
14. Monitoring business performance within the assigned ecosystem
15. Review and presentation of data and reports to Head and business segments.
    
    
    

Daily Responsibilities. 

1. Attend to both walk-ins and existing customers in need of Trade related services.
2. Handle and ensure timely resolution of customer complaints.
3. Ensure collection of Trade revenues to minimise income leakage
4. Maintain customer relationships through regular visits, calls etc.
5. Identify new business opportunities for cross sale.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in or any business related.
2. Professional qualifications in Trade Finance is an advantage.
3. At least Eight (8) Years’ experience in Banking experience, Relationship Management, Trade Finance, Credit, Foreign payments procedures/ regulations, Team supervision
4. Master’s Degree is an added advantage

Click here to visit the website source

Main Responsibilities:

1. Develop and execute comprehensive strategies to create new business opportunities for the bank in collaboration with senior management to accelerate revenue growth and build sustainable business.
2. To lead and direct synergies between business units (corporate, retail, treasury & DFS), enabling functions and subsidiaries in driving and delivering optimal ecosystem and value chain opportunities for overall growth of the bank’s revenue.
3. Delivery of sales, revenue and balance sheet targets for value chain business.
4. To establish and sustain a customer-centric culture, leveraging on people and technology.
5. Act as the custodian for optimal ecosystem service delivery and trusted customer experience to ensure client retention and loyalty.
6. Establish relationships with key value chain clients and business influencers in the country/regional customers.
7. Identify new business opportunities/ target markets and collaborate with product teams to develop and commercialize product solutions
8. Work with business functions to design tailored financial solutions for different ecosystem participants including development of value-based pricing mechanisms, focusing on creating innovative solutions with quick adoption of technology-driven solutions and catalyzing utilization of these solutions.
9. Ensure strong cross-selling of bank products to existing and new clients; and in this process, maintain effective liaison with all relevant business units in the bank.
10. Develop and implement processes and procedures that promote the growth of ecosystems banking.
11. Drive and manage the relevant ecosystems forums and provide input into portfolio reports on excess management, revenue and net profit growth relevant to ecosystems.
12. Develop and maintain productive strategic relationships with key stakeholders and partners.
13. Maintain a detailed and current understanding of the industry; (at a macro specific, current market structures; regulatory requirements and issues) to ensure opportunities and risk mitigation.
14. Manage the risks for ecosystems within the regulatory and compliance framework of the Bank and ensure compliance with Bank’s policies, procedures, and regulatory requirements.
15. Lead, motivate, and continuously develop a credible high performing team.
    
    
    

Daily Responsibilities. 

1. Review of portfolio performance
2. Customer engagements alongside relationship managers.
3. Stakeholder engagements with business functions on business performance
4. Monitoring business performance within the assigned ecosystem
5. Review and presentation of data and reports to Head and business segments.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in or any business related.
2. Professional qualification in any related field
3. At least Eight (8) Years’ experience in Sales and business development, Relationship and stakeholder management, Ecosystem banking, Management reporting and presentation, Project management, Fintech/digital financial services, Business (performance) analysis, Credit/lending, Banking operations.
4. Master’s Degree is an added advantage

Click here to visit the website source

Main Responsibilities:

1. Identify, Assess and Understand the Risks in Operations by ensuring KRIs and RCSA are updated to reflect these risks as per defined schedule by Risk and Compliance.
2. Close monitoring of unreconciled/outstanding items in NOSTROs’, Suspense accounts, Master, Visa Card Accounts and other internal transit/suspense accounts per the laid down Reconciliation Procedures for the Operation departments i.e.,
3. SOP reviews on both new and changes in existing SOPs.
4. Implement Control Assessments and Risk Reviews in all Operation departments under watch to ensure compliance with laid down policies and procedures.
5. Provide Monitoring and oversight of Reconciliation hub and other Operation Processing Functions.
6. Support the implementation of new policies that impacts Operations.
7. Relationships – Keep good relationships with Internal Audit Department, Forensic, Risk and Compliance so that risk identified would be discussed with them immediately to enable them to address it.
   
   
   

Daily Responsibilities. 

1. Close monitoring of unreconciled/outstanding items in NOSTROs’, Suspense and Master and Visa Card Accounts per the laid down Reconciliation Procedure for the Operation departments, KCBT- CRDB Customer Deposit account.
2. Ensure control standards are being applied in accordance with SLAs, control Frameworks for BPR Bank Rwanda Plc and KCB group are implemented effectively in the Ops departments.
3. Provide a monthly audit issues status to ascertain that audit issues have been closed, track and obtain progress actions on open issues with individual departments.
4. Follow-up and ensuring recovery of Bank operational Exposure, Ops Losses, Interest, and Insurance claims where possible.
5. Frequent update the departmental Risk Register and follow up on risk closure
   
   
   

Educational qualifications and work experience:

1.   Bachelor’s degree Banking/Business studies/ Finance/Risk

2. Minimum Five (5) Years’ experience in Banking Operations, Operational Risk &Controls Team supervision & Reconciliation.

Click here to visit the website source

Main Responsibilities:

1. Develop, implement, and review internal consumer protection strategy and policies to align with BNR regulations.
2. Act as the primary liaison with the BNR Consumer Protection Unit and ensure timely responses to regulatory requirements.
3. Oversee consumer education and awareness programs to enhance customer knowledge of their rights and responsibilities.
4. Advice and align with all departments on the initiatives to take to ensure full compliance with consumer protection regulations.
5. Monitor and assess compliance with consumer protection regulations across all departments.
6. Advocate for consumer rights within the bank and participate in national discussions on financial consumer protection policies.
7. Lead the development and publishing of consumer protection reports and disclosures.
8. Collaborate with internal teams (Compliance, Risk, Legal, and Customer Experience) to enhance consumer protection frameworks.
9. Train bank staff on consumer protection policies and ethical customer treatment.
10. Provide regular updates to senior management and the Board on compliance status, consumer complaints, and key trends.
11. Ensure the resolution of consumer protection-related complaints and regulatory concerns effectively and promptly.
    
    
    

Daily Responsibilities.

1. Engage with regulatory bodies and update policies as per new regulatory changes.
2. Review consumer complaints and track resolution timelines.
3. Coordinate staff training sessions and consumer awareness campaigns.
4. Prepare reports and presentations for management and regulatory submissions.
5. Ensure compliance monitoring across branches and digital banking and in all departments.

Educational qualifications and work experience:

1. Bachelor’s Degree in any business-related field
2. Professional Qualification – Customer Experience, Compliance
3. A master’s degree is an added advantage in any Business-Related field.
4. Minimum five (5) years’ experience in Legal services/ Customer Experience/ Banking Operations/ Audit/ Compliance experience

Click here to visit the website source

Main Responsibilities:

1. Contribute to and take appropriate actions in cascading and implementing the Retail Banking Strategy in the area where the branch operates by ensuring the bank’s retail objectives are met to ensure sustainable business growth.
2. Manage the branch retail’s liability and assets portfolios with the aim of ensuring that it remains profitable, competitive and promptly reacts to changes in both the internal and external environment.
3. Drive a sales culture within the branch staff with the aim of growing the NFI, products per customer, share of wallet, quality customer base and at the same time ensure staff productivity.
4. Oversee the branch operations to ensure superior service offered to all bank’s customers, reduction of operating costs through an efficient utilization of Bank’s resources and prevention of frauds & losses through implementation of first-class corporate governance and compliance with bank policies, procedures and processes.
5. Monitor and manage customer complaints, constantly review service delivery standards, and manage branch human resources in a way which ensures maintenance of the highest service standards.
6. Coach, mentor, and develop a high performing team and ensure an effective performance management framework.
7. Ensure effective migration of customers to electronic business channels through promoting channels usage (Mobile Banking, Internet Banking and Cards) and a high performance of branch alternative channels such as Agency Banking and Merchant Business
8. Ensure that branch processes are within agreed TAT to live customer satisfaction.
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in management/ business related field or equivalent
2. A master’s degree in a business-related field is an added advantage.
3. More than 8 years’ experience in Team Leadership, Sales, Relationship Management, Credit, and Bank Operations in a commercial bank setting
4. Demonstrated advanced knowledge of all credit related regulations.
5. Leadership experience
6. Excellent communication and stakeholder management skills

Click here to visit the website source

Main Responsibilities:

1. Accountable for developing and execution of operational strategy corresponding to overall bank’s business strategy in an efficient manner and good governance
2. Putting in place a safe and robust control environment by enhancing business processes and procedures improving TAT and customer satisfaction
3. Mitigate operational risks that may arise from centralized banking operations, through proactive validation of high value amount
4. Ensure and enforce adherence to ongoing regulatory, internal governance, policies, process standards across the country
5. Provide periodical reporting on central operations performance using accurate and reliable management information
6. Overseeing all business operations under central operations
   
   
   

Daily Responsibilities.

1. Ensure system uptime for successful payments and approve huge value amounts under authorization limits
2. Review period reporting to identify operational inefficiencies for timely actioning on their resolution
3. Attend senior level meetings to discuss strategic matters and find solutions/actions to improve banking operational efficiency
4. Follow up on daily operational processes (Payments, Account information, cards settlements, cheques processing, Interbranch CIT coordination and Cash sorting etc.)
5. 5.Follow up on implementation of action plans
   
   
   

Educational qualifications and work experience:

1. Bachelor’s degree in any business-related field
2. Minimum Five (5) Year’ experience in banking operations preferably central operations on a managerial level.

Click here to visit the website source