| Positions |
Job Level |
Duties and Responsibilities |
Job requirements |
| Chief Risk Officer
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Job Grade 2 |
Main Responsibilities
- Advise on, and protect BRD against risks inherent in their operations (identify, measure, monitor and enforce effective mitigation of risk exposures);
- Take role in management decisions, ensuring that decisions taken conform to the risk parameters approved by the Board of Directors;
- Develop risk management strategies to provide a structured and coherent approach to identifying and assessing the Bank’s risk;
- Develop the bank’s Risk Management Frameworks to provide the guidelines required in delivering proactive risk management for the bank;
- Develop the budget required for the successful implementation of the BRD Risk strategy to ensure timely allocation of budget;
- Develop the policies, procedures, and processes required to provide the guidelines required to undertake quality and timely risk management;
- Develop implementation plans for the risk and compliance functions, to ensure the teams are guided in the effective and efficient implementation of the strategy;
- Define the banks risk appetite and advice management on strategies to strike a balance between actively managing the risk transferring the risk through insurance;
- Establish an early warning or trigger system for breaches of the bank’s risk appetite or limits and influencing to reduce the response time on potential risk;
- Undertake risk analysis of all functional areas to identify areas of vulnerability and identify ways of risk avoidance;
- Monitor the loan and investment portfolio quality and stress test the Bank’s financial variables in relation to environmental changes and impact on Bank’s performance;
- Continually measure and monitor the risk environment and the performance of the Bank’s risk management strategies to inform decision making;
- Inculcate a bank wide risk awareness culture to enhance a comprehensive and holistic approach to risk management;
- Periodically report to the Board of Directors on creation of probability distributions of all material risk and their portfolio effects, to inform the possible impact on the bank’s key performance metrics;
- Develop and implement the bank’s business continuity plan processes to address disaster recovery, business recovery and emergency response management;
- Review the global change agenda and advise the bank on the interlinkages of regulatory changes across jurisdictions to prevent subsequent fines and penalties;
- Evaluate new laws and regulations and stay abreast of all legislative and regulatory developments both locally and internationally and analyse their potential impact on the Bank;
- Advise the business on potential ways to gain strategic advice by intelligently managing risk;
- Express concern about decisions to the executive management or board of directors, in case risk related positions are made against the recommendations of the risk manager;
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Professional, academic qualifications and experience
- Master’s degree in Finance or any other related field
- Bachelor’s degree in Accounting, Commerce, Business Administration/ or related field
- A Professional Certificate in Risk Management, Association of Chartered Certified
- Accountant (ACCA)/ Certified Public Account (CPA)., Chartered Financial Analyst (CFA) will be an added advantage
- A minimum of ten (10) years’ experience in accounting and finance management (preferably in risk management), two (2) of which must be in a senior management level in a similar institution
Core competencies
- Understanding of risk and compliance strategies, policies and procedures
- Good understanding of banking regulations, practices, and standards
- Understanding of risk management and compliance systems
- Understanding of regulatory and professional standards
- Knowledge risk and compliance risk concepts and environment
- Strategic Investment Analysis
- High level of accuracy in the evaluating financial records and documents
- Knowledge of best practice risk and compliance frameworks
- Excellent modelling and scenario testing
- People and Team Management
- Advanced Reporting Skills
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| Head, Information Technology and Digital Innovation
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Job Grade 3 |
Main Responsibilities
- Lead the development and implementation of the bank’s IT strategy to ensure the business strategy is supported by a sound integrated IT framework that supports innovation;
- Develop the IT budget and seek for timely allocation of resources to support the implementation of the ICT strategies;
- Lead the development of policies, procedures and processes that ensure compliance with the relevant regulations that govern banking in Rwanda and international best practices for development banks;
- Implement IT Service Delivery in line with set targets of satisfaction level and availability, thereby ensuring that the Bank’s IT requirements are adequately addressed;
- Develop and update standard operating procedures and best practices to improve the efficiency and effectiveness of the systems and their usage;
- Lead the development and testing of new programs developed to ensure responsiveness to user needs;
- Coordinate the development and implementation of ICT business continuity plans to provide an IT framework that is responsive to the unpredictable operating environment;
- Lead the development and implementation of change management strategies on ICT products and services for successful implementation;
- Oversee the deployment, monitoring, maintenance, development, upgrade and support of al IT systems including database, the core banking system, network infrastructure, operating systems, software applications, disaster recovery, backups and peripherals to ensure that they are in line with the Banks’s needs and requirements;
- Approve system changes to ensure system integrity in line with set policy and procedure, as a risk mitigation and control measures;
- Approval of user authorizations to ensure conformity with requirements of the user’s job role thereby ensuring appropriate rights allocation, and minimizing attendant risks;
- Monitor systems Analysis to confirm requirements/specifications for new systems that are required to address the Bank’s automation requirements and ensure its security features;
- Control the existence of all written documentation, including system and user manuals, license agreements, and documentation of modifications and upgrades to ensure all systems have supporting documents to guide the usage;
- Study the Bank’s business processes on an on-going basis in order to identify opportunities for digitization, digitalization and innovation;
- Evaluate Staff Performance in line with set objectives/targets within the IT Unit to ensure achievement of the department’s strategy;
- Address IT Staffing & Training Requirements to meet skill and manpower needs, in order to adequately address the Bank’s IT requirements;
· Coordinate and develop IT staff members duties by following up their activities to ensure the IT department serves the users efficiently and effectively and at their satisfaction; |
Professional, academic qualifications and experience
- Master’s degree in Computer Sciences/ Management Information system or a relevant field
- Bachelor’s Degree in computer science, Information Technology/ or related field
- Professional certification in IT
- A minimum of ten (10) years’ experience in IT, two (2) of which must be in a senior management level in a similar institution
Core competencies
- Knowledge of ICT Policies and Procedures
- Knowledge in Project Management
- Network Management
- Disaster Recovery Management
- Recovery Management
- System Administration and integration
- IT Data Security
- Cybercrime
- Firewall network security
- Innovation
- Business Acumen & Process management
- Knowledge of IT Programs and Applications
- People and Team management
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| Manager, Energy Portfolio
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Job Grade 5 |
Main Responsibilities
- Develop and implement BRD sectoral strategies, policies and procedure to support the achievement of BRD’s strategy, the national strategy and the SDG (Sustainable Development goals);
- Manage the work of direct reports by assisting in setting work programs, providing guidance, monitoring and development, problem solving and assessing performance at regular intervals;
- Identify the budget requirements to deliver against the portfolio strategy,
- Responsible for the development of the sector Departmental budget setting and KIPs by setting up departmental annual target with their KPIs to ensure the running of the department contributes to the growth of the Bank’s portfolio;
- Establish an active pipeline by identification of new opportunities through visiting potential customers, organizing roadshows, marketing our products to grow the Bank’s portfolio;
- Follow up the banks project in the sector during the implementation and postimplementation phases and proactively advise the bank on the best measures to avoid migration of deteriorating projects;
- Follow up the appraisal and present the loans restructuring proposals to the banks approvals authorities;
- Supervise the activities of the sector Department, to ensure the activities of the department run efficiently and effectively and ensure quality of services;
- Review the appraisal reports on loans prepared by the departments’ officers to ensure that viable projects are approved for financing to improve financial performance of the Bank;
- Follow up the loans collections and ensure timely loans servicing to avoid loan book deterioration;
- Lead stakeholder management for the sector, ensuring information sharing as appropriate, and engagements in various forums;
- Prepare regular sector reports (monthly, quarterly, annually) as required by the banks’ internal departments;
- Collect and analyses the sectors portfolio data to keep abreast of the developments in the sector and tap into available opportunities;
- Present eligible investments to the Senior Manager, Investments to ensure alignment with BRD’s strategy;
- Coordinate with Credit risk department to ensure local regulatory, tax and reporting compliance in investment geographies;
- In consultation with Human Capital, establish talent plans for the unit, ensuring the availability and retention of a highly qualified and motivated team;
- Carry on any other assignment delegated by the line managers
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Professional, academic qualifications and experience
- Bachelor’s Degree in finance, Business Administration or related field
- Master’s degree in relevant field
- A minimum of five (5) years’ experience in similar position, two (2) of which must be in a management level in a similar institution
- Core competencies
- Experience with due diligence and analysis of investment opportunities
- Computer literacy
- Analytical skills
- Experience building and/or managing investment portfolio monitoring systems.
- Familiarity with legal documentation common to debt and equity transactions. •
- Demonstrated flexibility and success in rapidly changing environments.
- Demonstrated ability to design, launch and scale new projects and initiatives Financial and management reporting skills.
- Interpersonal skills.
- Analytical skills, attention to detail, ability to work with deadlines and schedules and strong follow through capacity.
- Negotiation skills.
- Communication skills
- Customer care skills
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| Manager, Housing and Infrastructure
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Job Grade 5 |
Main Responsibilities
- Develop and implement BRD sectoral strategies, policies and procedure to support the achievement of BRD’s strategy, the national strategy and the SDG (Sustainable Development goals);
- Manage the work of direct reports by assisting in setting work programs, providing guidance, monitoring and development, problem solving and assessing performance at regular intervals;
- Identify the budget requirements to deliver against the portfolio strategy,
- Responsible for the development of the sector Departmental budget setting and KIPs by setting up departmental annual target with their KPIs to ensure the running of the department contributes to the growth of the Bank’s portfolio;
- Establish an active pipeline by identification of new opportunities through visiting potential customers, organizing roadshows, marketing our products to grow the Bank’s portfolio;
- Follow up the banks project in the sector during the implementation and postimplementation phases and proactively advise the bank on the best measures to avoid migration of deteriorating projects;
- Follow up the appraisal and present the loans restructuring proposals to the banks approvals authorities;
- Supervise the activities of the sector Department, to ensure the activities of the department run efficiently and effectively and ensure quality of services;
- Review the appraisal reports on loans prepared by the departments’ officers to ensure that viable projects are approved for financing to improve financial performance of the Bank;
- Follow up the loans collections and ensure timely loans servicing to avoid loan book deterioration;
- Lead stakeholder management for the sector, ensuring information sharing as appropriate, and engagements in various forums;
- Prepare regular sector reports (monthly, quarterly, annually) as required by the banks’ internal departments;
- Collect and analyses the sectors portfolio data to keep abreast of the developments in the sector and tap into available opportunities;
- Present eligible investments to the Senior Manager, Investments to ensure alignment with BRD’s strategy;
- Coordinate with Credit risk department to ensure local regulatory, tax and reporting compliance in investment geographies;
- In consultation with Human Capital, establish talent plans for the unit, ensuring the availability and retention of a highly qualified and motivated team;
- Carry on any other assignment delegated by the line managers
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Professional, academic qualifications and experience
- Bachelor’s Degree in finance, Business Administration or related field
- Master’s degree in relevant field
- A minimum of five (5) years’ experience in similar position, two (2) of which must be in a management level in a similar institution
Core competencies
- Experience with due diligence and analysis of investment opportunities
- Computer literacy
- Analytical skills
- Experience building and/or managing investment portfolio monitoring systems.
- Familiarity with legal documentation common to debt and equity transactions.
- Demonstrated flexibility and success in rapidly changing environments.
- Demonstrated ability to design, launch and scale new projects and initiatives Financial and management reporting skills.
- Interpersonal skills.
- Analytical skills, attention to detail, ability to work with deadlines and schedules and strong follow-through capacity.
- Negotiation skills.
- Communication skills
- Customer care skills
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| Manager, Collateral Management
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Job Grade 5 |
Main Responsibilities
- Assist Investment team during the whole process of project appraisal from end to end;
- Assist in the preparation and review of legal documentation to ensure compliance with the set regulations.
- Research and prepare statistical data on legal matters to advice the Manager, Legal Services on changes or updates of any legal policies or procedures.
- Draft all kinds of BRD projects loan, security contracts and other transactional agreements and submit them to the Manager for review before submission to the CS&GC.
- Draft/Review all legal documents including MOUs, transactional agreements, NDAs, and provide appropriate feedback to the Manager, legal Services for review.
- Negotiate all financing and security agreements with clients and other stakeholders to ensure clarity of the contractual terms and conditions of each party as well as timely implementation of conditions precedent to contract drafting, signing and disbursement.
- Carry out projects site visit and conduct proper and timely legal due diligence on all projects to be financed by BRD and submit the Legal Due Diligence report to Manager for review and approval before submission to the CS&GC.
- Prepare periodical (weekly, monthly, quarterly and annual) and adhoc report related to legal services unit and submit them to the Manager for review and approval before submission to the CS&GC.
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Professional, academic qualifications and experience
- A minimum of 5 years of working experience.
- Ability to work independently.
- Excellent writing and speaking skills.
- Demonstrated experience in matters collateral perfection and management.
- Demonstrated experience in matters insurance.
- Demonstrated experience in overseeing legal recoveries with regard to collateral and securities.
- Demonstrated working experience of the Rwandan judicial process and dispute settlement mechanisms.
- A good working knowledge of transactional law
- Have any of the following academic qualifications LLB, LLM, ILDP Certificate
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| Investment Officers
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JG 6 |
Main Responsibilities
- Identify and initiate proposals for new facilities or facility modifications in line with the assigned sector(s) of the banks’ portfolio in order to grow a healthy portfolio. The investment officer is responsible for the quality of recommended credit applications and is the first line in managing his/her credit portfolio risk.
- Undertake the pre-appraisal analysis for credit proposals and carry out onsite visits of projects at pre-appraisal stage to assess the project viability.
- Organize deal forum meetings with credit risk and legal departments to discuss credit proposals and seek their technical inputs;
- Collect the required project data and information to enable the detailed appraisal. The investment officer will provide advice and guidance to potential clients on their business proposals to mitigate risks;
- Proactively identify and analyses and submit to the sector manager the loans restructuring proposals to be presented to the banks approvals authorities, with the support of portfolio monitoring and Credit documentation officers;
- Undertake detailed appraisal for approved proposals and facility restructuring proposals and present them to the banks’ approval authority;
- Collect M&E data while assessing projects that will facilitate the social economic impact assessment to be reported to stakeholders (during appraisal);
- Liaise with credit documentation and legal department for loan documentation (term sheet, notification, facility agreement, etc.) drafting and distribute it to the promoters for their signature;
- The investment officer will fast track the first and subsequent disbursements;
- Follow up the loan collections and ensure timely loans servicing to avoid loan book deterioration;
- Issue loans repayment reminder and notice letters to clients as per the credit policies and procedures;
- Visit each customer/project in his portfolio with a monitoring officer at least once a year;
- Pro-actively and timeously identify potential problems on credit files and formulate appropriate risk mitigating strategies.
- With the support of monitoring and credit documentation officers, the investment officer shall prepare and present the restructuring proposal to the approving authority.
- Ensure at all time adherence to the Bank’s turnaround time standards for processing credit applications, to all the Bank Policies and Procedures the Credit Policy, the internal code of conducts, the latest market best practices and all banking laws and regulations applicable.
- The investment officer will handle his/her client inquiries throughout the loans’ lifespan (from initiation to the settlement of the loan account);
- Carry on any other assignment delegated by the line managers.
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Professional, academic qualifications and experience
- Bachelor’s Degree in finance, Business Administration or related field
- A minimum of 3 (three) years in similar position
- Experience with due diligence and analysis of investment opportunities
- Experience building and/or managing investment portfolio monitoring systems.
- Familiarity with legal documentation common to debt and equity transactions. •
- Demonstrated flexibility and success in rapidly changing environments.
- Demonstrated ability to design, launch and scale new projects and initiatives Financial and management reporting skills.
- Interpersonal skills.
- Analytical skills, attention to detail, ability to work with deadlines and schedules and strong follow-through capacity.
- Negotiation skills.
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| Deal/Project Origination Agents
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Main Responsibilities
- Involvement in identification of new developmental projects that fall within the Bank’s priority sectors, meet the bank’s borrowing criteria and refer them to the Bank for financing.
- Build/maintain relationships with new investors on board and maintain an ability to demonstrate a thorough understanding of the Bank’s products.
- Present the financing proposals to the Bank.
- Assist the client to provide the required information and fulfilment of the requirements including service commission payment to the Bank accounts.
- Establishing a list of prospective regional companies to multinationals that intend to invest in the country for the Bank to propose tailor made financing solutions in advance.
- Providing advice and guidance to the investors on their business proposals to ensure they are bankable and maintained in line with BRD’s risk appetite.
- Identifying viable companies both local, regional and international that have expansion plans falling in BRD’s development mandate.
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Professional, academic qualifications and experience
- A degree in finance, management, accounting, economics or related discipline is an added advantage.
- Minimum 2 years of work experience in deals and business originations for financial institution (Banks)
- Up to date with legal, compliance and market risk related issues to project financing
- A thorough understanding of the entire lending process
- Knowledge of relevant industry sector challenges
- Business development and client relationship skills
- Interpersonal skills and ability to communicate clearly with clients
- Ethical practices and ability to deliver on job deliverables without misrepresenting the Bank in his or her deals originations and referrals to the Bank
- Good knowledge of business principles and marketing techniques, good public relation skills, organizational management skills and understanding of the key business issues such as, strategic and operational planning
- Good Negotiation skills and interpersonal relationship building skills
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