Letshego Holdings Limited was incorporated in 1998; it’s headquartered in Gaborone and has been publicly listed on the Botswana Stock Exchange (BSE) since 2002. It is an inclusive finance focused group with consumer, micro-lending and deposit-taking subsidiaries across sub-Saharan Africa.

An opening has arisen within Letshego Rwanda Limited LRL for the below-mentioned position. This role is tenable at LRL. The incumbent is highly expected to serve the department.. The requirements of the role are outlined below:

POSITION: CREDIT RISK MANAGER

Reports to: Head of Risk

Location: HEAD OFFICE( KIGALI RWANDA)

Purpose of the Job:

The Credit Manager will lead all credit risk management strategies for the bank, Key tasks includes overseeing all loan underwriting work, generate portfolio performance of LR Plc, Agric and Individual clients, perform credit monitoring, ensure early and late-stage delinquency procedures are being complied with, and reporting to regulators. Provide capacity building to the credit team as well as the business team

Key Accountabilities:

Enhance credit quality

• Capacity build credit analysts as well as sales officers on financial statement analysis and the overall loan management.
• Work with the Head of credit & Riskto enhance the loan underwriting standards and ensuring the portfolio quality is maintained within approved risk appetite, and provide recommendation to the management for product review whenever necessary.
• Perform monthly Portfolio reviews; investigate and make recommendations for action to Country Management Committee (CMC) for any underperforming credit facility.

Management

• Build and develop a cohesive and effective relation with the underwriting business team to ensure generation of high-quality loans.
• Monitor the performance of approved loans for any divergences and notify the CMC.
• Actively participate in improving LR plc by developing and making recommendations for creative and innovative ways of discharging duties, cutting down costs, and working more efficiently and effectively.

Data Analysis

• Analyse portfolio trends, historical performance of the 3 key broad loan grouping of LR Plc on weekly and monthly basis and provide an executive summary to the senior management.
• Lead on all key internal reporting on problem loans and watch list to the management and the board.
• Provide data analysis in terms of client performance to the management so to ease decision making.

Reporting 

• Provide period reports on the lending approval process, turn around, observed challenges and other recommendations that would enhance the bank’s underwriting and analysis
• Lead the all the activities related to monthly write-off and ensure monthly loan loss provisioning is completed every end of the month.
• Other duties as necessary to accomplish the LR’s mission and as requested by Management.
• Ensure that all statutory reporting to the regulator, the Board and the shareholder are timely processed every end of the month.

Experience and Qualifications Required of Job Holder:

• Bachelor’s degree in business, finance, economic or any other related fields; poses a professional qualification such as CPA, Certified Credit Analyst is a plus,
• 5+ years of professional experience in economic development, microfinance, financial services sector, with 3+ years in credit analysis or credit administration role. Prior experience working as a credit manager is a plus;
• Experience managing credit portfolio and analysing and underwriting credit applications;
• Strong analytical skills and a high level of attention to detail;
• Strong organizational skills, including effective time management and prioritization of competing demands/multiple deadlines.
• Strong written, verbal and computer-based communication and presentation skills

Embrace the Group uniquenesses

The job holder shall, at all times embrace Group uniqueness’s set out below:

• Simple - Straight forward and uncomplicated
• Appropriate - Relevant and suitable
• Accessible - Welcoming and consistent
• Ethical - Honest and principled
• Responsive - Receptive and compassionate
• Inclusive - Embracing and proactive

Essential and Desired Competencies

• Deciding and Initiating Action
• Leading and Supervising
• Working with People
• Adhering to principles & values
• Relating and Networking
• Persuading and Influencing
• Presenting and Communicating Information
• Writing and Reporting
• Learning & Researching
• Planning and Organizing
• Coping with Pressures and Setbacks
• Commercial Thinking
• Analytical

Additional Information:

Jobholder should be a person of high integrity and discretion with confidential matters.

Multi-cultural awareness and the ability to interact with a wide range of differing levels and sectors of staff, society, social and business, is an essential characteristic of the person holding this position.

Deadline:Monday, 16^th June 2025

How to apply:

Send your CV & Degree to rw_recruitment@letshego.com

Must put the position you are applying for in the subject line.

Only Shortlisted candidates will be invited for interviews