JOB ANNOUNCEMENT N° 002/2025

POSITION: BUSINESS OFFICER

JOB TYPE: PERMANENT

REPORTING: BUSINESS BRANCH MANAGER

LOCATION: THE INCUMBENT SHOULD BE ABLE TO WORK FROM ALL DUTERIMBERE-IMF PLC OPERATIONAL AREAS.

1. INTRODUCTION

DUTERIMBERE-IMF PLCis 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 Business Officer. 

General Description:

The Job holder is responsible of developing DUTERIMBERE-IMF PLC customer base while maintaining the quality of its portfolio both in terms of loans and in terms of membership and deposits.

Job description

• Promote various deposit products and services, including savings accounts, fixed deposits, and other specialized services to meet the financial needs of customers
• Proactively acquire new and existing savings, term and current deposit accounts
• Identify and pursue opportunities to attract high-value depositors and long-term savings clients.
• Create and manage own loan portfolio
• Conducting direct promotion and/or other marketing activities on a regular basis;
• Screening prospects’ eligibility, taking loan applications and arranging appointments with clients;
• Conducting loan analyses by visiting the business and household of clients, visiting the business/employer of guarantors and preparing a complete loan assessment according to DUTERIMBERE-IMF PLC’s credit procedures;
• Presenting loan proposals to the credit committee;
• Informing the client about the decision of the credit committee;
• Arranging loans disbursement
• The BO is fully responsible for his/her loan portfolio and has to ensure punctual repayments, contacting and visiting clients. In case of late payments, the BO has to take immediate measures, including contacting client and guarantors, on-site visits and assisting in any legal procedures until full repayment of the loan.
• The BO is responsible for complying with DUTERIMBERE-IMF PLC’s credit policy, the credit procedures and all memos and regulations concerning the credit department at all times;
• All necessary credit forms have to be filled in by the BO before presenting a loan proposal to the credit committee;
• The BO conducts monitoring client visits on a regular basis in order to be always up to date with the financial and personal situation of clients in his/her portfolio;
• The BO participates in the credit committee and/or the recovery committee. His/her participation is active, critical and conscientious.
• The BO is obliged to reach all quantitative and qualitative targets set and attributed to him/her.
• Required to comply with DUTERIMBERE-IMF PLC’s Code of Conduct, to treat clients and colleagues according to the code, and inform his/her superiors about any violation of the code
• Other tasks that may be assigned by the position applicable professional hierarchy from time to time;

Requirements

• Bachelor’s degree in Marketing, Business Administration or related field
• At least 1 year of experience in the field of marketing or customer management
• Good communication skills

Documents to submit

1. Application letter
2. CV
3. Copy of Academic credentials

Interested candidates should submit the above documents on email at hr@duterimbereimf.co.rw not later than 18^th February 2025.

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

Done at Kigali, on 13/02/2025.