COPEDU PLC, is a trading company engaged in savings and credits. It was registered as a trading company in the Development Bank (RDB) on February 21, 2013 and licensed by the Central Bank of Rwanda (BNR) on 13/03/2014 to operates as a microfinance institution in Rwanda.

COPEDU PLC wishes to encourage all qualified, capable, and interested candidates to apply for the Head of Credit Department position.

General Description:

The Head of Credit Department is responsible for overseeing all aspects of the organization's credit operations. This role involves managing credit risk, ensuring the quality of the credit portfolio, and supporting the organization's growth through the implementation of effective credit policies and strategies.

Job description

• Develop and enforce credit policies aligned with financial objectives, risk tolerance, and regulatory requirements;
• Lead the assessment and mitigation of credit risks by analyzing and evaluating clients' creditworthiness; oversee credit approvals, limits, and terms;
• Oversee the credit portfolio to ensure healthy performance with manageable risks and delinquency levels;

• Monitor loan performance regularly and take corrective actions in case of defaults or potential losses;
• Lead and manage the credit team, providing continuous training, guidance, and mentorship;
• Supervise and ensure the effective collection of credits;
• Ensure compliance with internal policies and regulatory framework;
• Ensure compliance with consumer protection in credit operations; promote fairness and transparency; report any concerns or violations to Management;
• Promote the effective use and enhancement of digital tools and technologies for credit management;
• Ensure the quality and sustainability of the credit portfolio;

Required Qualifications and Skills:

• Bachelor’s degree in finance, Economics, Business, or a related field.
• At least five (5) years of experience in credit management roles, including a minimum of three (3) years in a managerial position.
• Strong understanding of credit risk assessment, financial analysis, and portfolio management.
• Comprehensive knowledge of financial sector regulatory requirements.
• Excellent communication and interpersonal skills.
• Proven leadership and team management experience.

• Ability to work under pressure and meet strict deadlines.
• Strategic thinker with a focus on sustainable financial growth.
• Strong awareness of industry trends, market dynamics, and economic factors impacting credit.
• High standards of integrity and professionalism.

All applications must include:

• A motivation letter,
• A copy of the National ID,
• A detailed Curriculum Vitae (CV),
• Copies of academic and professional certificates.

These documents should be sent to the following e-mail address: hr-recruitment@copeduplc.rw Additionally, candidates are required to complete the online application form at the following link: https://forms.gle/6VfexVWDCZa2nTCa7no later than Wednesday, 21^st May 2025. Only selected candidates will be contacted.

Done on May 7, 2025.

MUYANGO Raïssa

Managing Director