1. Job Title: Information Systems (IS) Auditor

Job Purpose:

To give objective and independent assurance to management that the Information systems in place are appropriate, well utilized, reliable, and secure while giving commensurate recommendations on areas of improvement

Main Responsibilities:

• Be part of the Audit Team in performing Information Systems audits, both technical and end-user across BPR Bank Rwanda in line with Internal Audit Methodology, processes, procedures, and timeframes.

• Giving an assurance that access to electronically stored corporate information is adequately protected and managed appropriately to the risks.

• Make maximum use of Computer Assisted Audit Tools e.g., Teammate, IDEA, or any other automation tool used by the Audit department.

• Performance of special Audits as and when called upon.

Educational qualifications and work experience:

• Bachelor’s degree in information technology or related field

• Professional Qualifications: Network infrastructure security, data science, Phyton courses

• 2+ years of experience in Information Technology

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2. Job Title: Credit Monitoring Manager

Job Purpose:

Responsible for tracking and reporting on day-to-day customer performance of individual credit facilities and loan portfolio to ensure early warning signs are identified, investigated and action is promptly taken to address situations where credit risks have, or could, move outside risk appetite or there is potential to deteriorate further.

 Main Responsibilities:

• Provide the daily system credit monitoring and management reports, identify delinquent accounts with irregularities and proactively follow up to ensure corrective action is taken in line with credit policy.

• Review of the entire portfolio is carried out with an emphasis on the following for day-to-day monitoring purposes: arrears amount and days of borrowers, excess on limits, expired and expiring limits, follow-up on restructured loans which are to be kept under cooling period in observation of BNR regulation.

• Provide the slippages review report: ensuring mitigation of the loan portfolio deterioration through daily communication with the business units, a review of the vintage analysis reports, and monitoring of loans near downgrade point.

• Provide the report on monitoring of the insurance renewal period for collateralized loans & covenants tracking.

 Educational qualifications and work experience:

• Bachelor’s Degree in a business-related field.

• 3+ years of experience in credit in the banking sector.

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3.Job Title: Credit Reporting Manager

Job Purpose:

Responsible for ensuring reporting of the day-to-day performance of credit facilities is done, by providing on a regular basis the appropriate portfolio report and ensuring these are submitted to internal and external stakeholders in line with their requirements.

Main Responsibilities:

• Generates and maintains loan credit reports for presentation to the Management, and provides monthly reports on the same, in accordance with the credit policy and BNR regulations. Analysis and reporting should provide portfolio insights and inform strategic decision-making.

• Preparation of quarterly Board Credit Committee deck presenting credit portfolio information, trends analysis, and confirmation of adherence to credit policy and risk appetite limits.

• Provide statutory returns and reports in an accurate and timely manner, upholding adherence to internal and statutory reporting calendars.

 Educational qualifications and work experience:

• Bachelor’s Degree in a business-related field.

• 3+ years of experience in credit in the banking sector

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4.Job Title: Credit Analyst (3)

Job Purpose:

Supporting the Bank in achieving its asset growth targets whilst maintaining a quality-lending book and delivering a professional service to the business units.

Main Responsibilities:

• Evaluate and recommend credit proposals.

• Identify, quantify, and evaluate sources of risk.

• Build relationships with Branch Managers and account analysts,

• Visiting customers to discuss/explain the structure and conditions of lending and follow up on such conditions.

Educational qualifications and work experience:

• Bachelor’s degree in finance, commerce, or Economics.

• A certificate in Credit Analysis will be an added advantage.

• 2+ years in credit analysis in a financial institution

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5.Job Title: Quantity Surveyor (2)

Job purpose:

To assess the value of properties given to the bank as collaterals, carry out bills of quantities for the construction projects to be financed by the bank, and carry out progressive reviews of commercial and residential properties under construction.

Main Responsibilities:

• To appraise prospective fundable construction infrastructure projects and monitor the performance of those projects financed by the bank.

• To carry out a regular valuation and or counter–valuation of the bank’s assets and those offered to the bank as securities.

• To carry out technical visits of projects under construction and provide technical support at both the study stage and the implementation stage of maintenance or rehabilitation of the bank’s buildings.

• To provide technical support in any construction engineering upon the request of the bank

Educational qualifications and work experience:

• Bachelor’s degree in civil engineering, quantity surveying, estate management, and valuation.

• 3+ years of experience in a civil engineering company, property valuation, or any closely related field.

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6.Job Title: Senior Legal Manager, Commercial

Job Purpose:

To provide legal services to the business with an emphasis on commercial legal aspects more particularly in end-to-end contract life cycle management as well as new product implementation by the business.

Main Responsibilities:

• Ensure the prompt preparation and management of contracts for an assigned portfolio of work including leases and other general commercial law issues.

• Provide oversight for the contract lifecycle from drafting through completion of the negotiation process, review, and contract execution.

• Review and draft major contracts as well as develop templates and standard commercial agreements across for business needs.

• Support contract negotiation and collaborate with business teams on developing effective relationships with contractors and vendors.

• Maintain a deep understanding of contract templates, contract policy, legal risk and liability, and company position on various matters.

Educational qualifications and work experience:

• Master’s degree in LLM.

• Diploma in legal practice (ILPD)

• 5+ years of experience in legal in the banking sector.

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7. Job Title: Legal Officer, Security Documentation (2)

Job Purpose:

To render quality and cost-effective in-house legal services to the bank.

Main Responsibilities:

• Drafting and reviewing various loan contracts with their different related documents.

• Registration of the Bank’s collaterals within the office of the registrar general.

• Follow up on the perfection of security and documentation.

• Keeping track of the latest amendments and regulations in law.

• And any other duties deemed necessary by the Line Manager and Head of legal services.

Educational qualifications and work experience:

• Bachelor’s degree in law.

• Diploma in Legal Practice (ILPD) will be an added advantage.

• Minimum Experience of 3 years in Legal in the banking sector.

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8. Job Title: Legal Officer

Job Purpose:

To render quality and cost-effective in-house legal services to the bank.

Main Responsibilities:

• Ensure timely review and drafting of contracts in support of the bank’s strategy.

• Follow up the safekeeping and recording of all contracts of the Bank.

• Verify supporting documents used in the review of contracts to ensure correctness and legality.

• Prepare periodic reports that show the contracts that have been reviewed to measure performance.

Educational qualifications and work experience:

• Bachelor’s degree in law.

• Diploma in Legal Practice (ILPD) will be an added advantage.

• Minimum Experience of 2 years in Legal practice.

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9.Job Title: Senior Manager, Retail Sales

Job Purpose:

Responsible for the development and implementation of strategies to deliver superior sales performance in direct sales and branch models for all units.

Main Responsibilities:

• Develop sales strategies for specific product channels, customer segments, and regional segments.

• Formulating sales-related business strategy primarily for secured/unsecured personal banking lending and liability drive.

• Develop and grow multiple aggressive sales units for all products.

• Build adequate processes in the sales function and structure to prevent mis-selling, misrepresentation, and fraud and adhere to the bank’s procedures and ethics policy.

• Initiate and conduct Bank DST monthly, quarterly, and annual reviews.

• Be part of the review and evaluation of retail banking product proposition with a view to making improvements.

Educational qualifications and work experience:

• Bachelor’s degree in business, MBA.

• 6 years of experience in sales

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10. Job Title: Regional Sales Manager (2)

Job Purpose:

Drive the growth of Retail business at the regional level by implementing strategies to deliver superior sales performance in DSR and branch models for all business lines.

Main Responsibilities:

• Driving sales strategies for all retail products, channels, and customer segments in the region.

• Meets regional sales financial objectives by forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances; and initiating corrective actions.

• Drive multiple aggressive sales campaigns for all products with a vision to maintain market leadership.

• Responsible for retaining and growing all localized relationship business for both asset and liabilities growth.

• Manage all Regional Sales Budgets.

• Analysis of sales performance and giving feedback to Branches and sales teams recommending appropriate remedial measures to improve performance.

Educational qualifications and work experience:

• Bachelor’s degree in business, MBA.

• 4 years of experience in sales and marketing

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11.Job Title: Manager, Premium Banking

Job Purpose:

Responsible for developing and rolling out innovative business development initiatives and redefining the relationship and sales models.

Main Responsibilities:

• Execute Premium / Advantage Banking tactical plan and grow the bank’s emerging Premium / Advantage Banking customer base, deposits, assets, and high-value yield per customer.

• Review and/or develop commercially viable innovative products, services, and channels that position BPR Bank competitively in the market.

• Working closely with the Marketing division to communicate Premium / Advantage Banking products.

• Develop and maintain strong relationships with stakeholders in the other units and external business industry sectors to tap into banks’ value chain and new market innovation opportunities.

• Managing business risks in line with the Bank’s policies and standard operating procedures (SOPs). This included AML, KYC, and combating the financing of terrorism (CFT

Educational qualifications and work experience:

• Bachelor’s/master’s degree in business

• 4 years of experience on the Management level in an affluent/high-net-worth service sector or Retail banking

• 3 years of experience in business research and product development

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12. Job Title:Mortgage Relationship Manager

Job Purpose:

To deliver exceptional mortgage sales performance by supporting branch business, generating new business, and building relationships to grow the mortgage portfolio under the personal banking segment.

Main Responsibilities:

• Appraising and recommending mortgage credit loan applications

• To manage directly all internal and external matters relating to the assigned portfolio

• Perform sales and marketing presentations to new and existing customers to close sales.

• Monitoring of loans already disbursed.

• Coaching and mentoring of staff.

• Market intelligence for product development.

• organizations to develop business through competitive penetration rate management.

Educational qualifications and work experience:

• Bachelor’s degree in a Business-Related field.

• 2 years of experience in general banking, credit analysis, relationship management, and customer service.

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13. Job Title:Business Analyst

Job Purpose:

To generate and analyze data and provide information on retail performance to all cross-functional units within retail.

Main Responsibilities:

• Precise collation of data/reports and subsequent compilation, analysis, and presentation of the same for branches, regions, retail sector heads, management review, and major segments of the business.

• Analyze data collated and promptly do reports with clear explanations on variances or raise/advise on concerns of business trends.

• Preparation of monthly reports on performance and highlight key milestones made within the month and make proposals on the way forward.

• Design user-friendly templates for use by retail sector heads in tracking weekly and monthly performance in their respective lines of products and financials.

• Hold custody of the business targets for the year in focus and update or revise as advised by the board through the head of retail banking.

• Assist in preparing business and product proposals.

Educational qualifications and work experience:

• Bachelor’s degree in business or mathematics/statistics.

• Master’s degree in data science.

• Professional Qualification: SQL, Python courses.

• 3 years of experience in general banking.

• 5 years of experience in business analytics, Business Intelligence.

• 3 years of experience in data science.

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14. Job Title:SME Relationship Manager (3)

Job Purpose:

Responsible for developing and maintaining business account relationships to maintain and grow the SME business banking balance sheet (Customers Deposits and Loans & Advances) and sustain a profitable business banking portfolio.

Main Responsibilities:

• Marketing new business and managing existing business to enable the bank to realize revenue targets which are prescribed without compromising on credit risk appetite.

• Grow and monitor the SME banking asset and liability portfolio with the aim of ensuring that it remains profitable and of quality. Particularly responsible to grow the SME Tier 1 portfolio as per the bank SME strategy and in the region assigned.

• Maintain excellent relationship with existing and prospective SME clients to sustain business growth and increase wallet share and customer profitability.

• Initiate credit facilities through in-depth quality preliminary analysis. Process credit applications within stipulate TAT to ensure delightful customer experience.

• Resolve retail business customer inquiries to improve customer satisfaction.

• Maintain and grow the Biashara Club proposition through the onboarding of new members and retention of existing members.

Educational qualifications and work experience:

• Bachelor’s degree in business or related field.

• Professional Qualification in Banking

• MBA

• 5 years of experience in sales, Credit appraisal and lending, general banking, relationship management, and stakeholder management.

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15. Job Title:Branch Manager (9)

Job Purpose:

Responsible for the overall leadership, management, growth, and profitability of the branch business and implementation of an efficient and effective operational, risk management, customer service, and sales culture.

Main Responsibilities:

• 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.

• Manage the branch retail’s liability and assets portfolios with the aim of ensuring that it remains profitable, and competitive and promptly reacts to the changes in both the internal and external environment.

• Drive a sales culture within the branch staff with the aim of growing the NFI, products per customer, the share of wallet, and quality customer base and at the same time ensure staff productivity.

• Oversee the branch operations to ensure superior service offering to all bank’s customers, reduction of operating costs through efficient utilization of the bank’s resources, and prevention of frauds & losses through implementation of first-class corporate governance and compliance with bank’s policies, procedures, and processes.

• Monitor and manage customer complaints, constantly review service delivery standards, and manage branch human resources in a way that ensures maintenance of the highest service standards.

• Coach, mentor, and develop a high-performing team and ensure an effective performance management framework.

• Ensure effective migration of customers to electronic business channels through promoting channel usage (Mobile Banking, Internet Banking, and Cards) and high performance of branch alternative channels such as Agency Banking and Merchant Business

• Ensure that branch processes are within the agreed TAT to achieve customer satisfaction.

Educational qualifications and work experience:

• Bachelor’s degree in business or related field

• Professional Qualification in Banking

• Master’s degree in business

• 10 years of experience in team management, sales, relationship management, credit and bank operations.

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16.Job Title: Manager, Card Acquiring

Job Purpose:

Responsible for the strategy, growth, profitability, and the overall leadership of the Card Acquiring business.

 Main Responsibilities:

• Provide leadership in business development and lead the execution of the Card Acquiring strategy for the Bank.

• Responsible for portfolio growth through a series of aggressive Merchants acquisition, sales, and relationship management activities.

• Coordinate with Cards Center and IT for any support required by a merchant or complaints reported regarding merchant POS and/or cards.

• Conduct Market research to identify competitive information on new developments in the market and suggest any developments and enhancements related to the overall Acquiring business.

• Work closely with the marketing team on required marketing material to promote acquiring business and ensure proper display and awareness at the merchant level.

• Manage the merchant collection process for cardholder payments to merchants as well as any payments.

• Training of merchants in conjunction with Retail and Branch teams to ensure quality service standards are maintained.

Educational qualifications and work experience:

• Bachelor’s degree in business/Economics

• Professional Qualification: CPA/ACCA or business-related.

• Master’s degree in business/management.

• 3 years of experience in sales & lead generation, and bank operations.

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17.Job Title:Senior Manager, IMT

Job Purpose:

Responsible for business growth of international money transfers, and relationship management of IMT partners.

Main Responsibilities:

• Drive revenue growth across the branch, sub-agent, and digital IMT networks.

• Relationship management of IMT sub-agents.

• Recruitment and onboarding of new IMT partners and sub-agents.

• Initial and ongoing training of IMT products, systems, service standards, operational procedures, and AML/KYC compliance.

• Conduct POS audits and mystery shopping on branches and sub-agent locations to ensure compliance with service standards and identify areas of improvement to close gaps.

• Performance monitoring and reporting and actively reducing dormant locations in branches and sub-agent locations.

Educational qualifications and work experience:

• Bachelor’s degree in commerce

• Professional Qualification: CPA/CFA

• Master’s degree in strategic management

• 4 years of experience in IMT sales and operations.

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18.Job Title:Executive Assistant to the Managing Director (MD)

Job Purpose:

Provides high-level administrative support to the office of the MD, ensuring all schedules and communications to various stakeholders i.e., Board, Group, Management, Customers, Regulators, Staff, etc. are managed with the efficiency required for the effective functioning of the office.

 Main Responsibilities:

• Manage the MD’s diary.

• Manage and coordinate workflows in the office of the MD.

• Provide logistical support for Board meetings, including travel and accommodation arrangements for directors both into the country and within Kigali.

• Plan for and manage the MD’s engagement events, which include Branch visits, customer visits, town halls, and staff meetings.

• Provide Quarterly CRM escalation report for MD’s office.

• Serve as the focal point of communication between Board Members, EXCOM, BPR and KCB Group staff, and the MD.

• Maintaining an efficient office system including Data management and filing.

• Coordinate with Group Executive Assistants regarding tickets, accommodation, airport transfers, and transportation within Kigali for visiting Group Executives.

• Take minutes, maintain records, and follow up on matters arising for meetings as may be required by the MD.

Educational qualifications and work experience:

• Bachelor’s degree in administration, secretariat services, or any other Business/ Social Sciences related degree.

• 3 years of experience in administrative work, and stakeholder management

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19.Job Title:Information Risk Officer

Job Purpose: 

To conduct objective, fact-based risk assessments on existing and new technologies and communicate the findings to stakeholders within the information system, further supporting the achievement of business objectives by providing reasonable assurance regarding the achievement of the bank objectives.

 Main Responsibilities:

• Coordinate with the IT team to ensure proper escalation of all significant risks through weekly and monthly reports in line with Bank Risk Policies.

• Develop a framework for regular discussions with the IT team to ensure that risks and opportunities are well understood and in line with IT standards, procedures, policies, and the bank’s risk appetite including KRIs.

• Support information risk management in ensuring Bank security policies and controls are effectively developed, implemented, and regularly maintained so as to mitigate IT risks.

• Proactively looking at IT risk factors prior to business decisions to ensure the risks are identified and appropriate measures are put in place to mitigate the risks within IT risk appetite using appropriate metrics and other key risk indicators.

• To report to Management through a risk assessment report, the newly identified risks, any outstanding IT audit issues, and any other control weaknesses, and recommended controls to mitigate residual risks.

Educational qualifications and work experience:

• Bachelor’s degree in IT

• Professional Qualification: CISSP (Certified Information Systems Security Professional), CRISC (Certified in Risk and Information Systems Control) Cyber security-related certificate, any other IT certificate.

• 1 year of experience in general banking operations.

• 2 years of experience in Information Technology.

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20.Job Title:Digital Channels Support Engineer

Job Purpose: 

To provide first-level support to all digital channel systems that are deployed in the bank to provide high availability and exceptional customer experience on a 24/7hour basis. These include card systems, mobile banking, internet banking, agency banking, and digital payment services.

Main Responsibilities:

• Ensures provision of first-level support to the existing E-Channel business i.e., ATMs, POS, Cards, Money Transfer, Agency Banking, Internet, and Mobile banking.

• Perform daily E-Channels monitoring, verifying the integrity and availability of all E-Channels to the Customers.

• Technical engagement in Projects that involve digital channel solutions implementation.

• Develop subject matter expert knowledge of Mobile, Internet technologies, e-commerce, and other payment banking technologies.

• Develop Business Continuity plans for both mobile & internet channel solutions.

Educational qualifications and work experience:

• Bachelor’s degree in information technology, Computer Science, Computer Engineering, or a related field.

• 3+ years’ experience in a busy IT environment

• Experience and Expertise in mobile and internet-based financial systems technologies as well as SMS and USSD connectivity.

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