Vacancy title:
Retail Micro Credit and Social Inclusion Analyst

[Type: FULL_TIME, Industry: Finance, Category: Accounting & Finance]

Jobs at:
Equity Bank

Deadline of this Job:
Wednesday, October 8 2025

Duty Station:
Rwanda | Kigali | Rwanda

Summary
Date Posted: Friday, October 3 2025, Base Salary: Not Disclosed

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JOB DETAILS:

To support credit appraisal, underwriting, and monitoring of retail and micro-borrower segments. The analyst will review small-ticket loans (salary-based, group lending, working capital, micro-assets), ensuring quality assessment, compliance with RAAC, and adherence to TAT requirements.

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Key Responsibilities

Credit Appraisals & Underwriting

• Review retail and micro credit applications (salary loans, microbusiness loans, group loans).
• Assess borrower repayment ability using salary slips, bank statements, business records, and group guarantees.
• Prepare concise credit proposals ensuring compliance with RAAC and BNR guidelines.
• Ensure collateral or guarantor adequacy as per product design.

Portfolio Monitoring & Risk Management

• Track performance of retail and micro loan portfolios.
• Flag early warning signals (arrears, delinquency trends).
• Provide input into portfolio reports and support remedial action.

Client & Stakeholder Engagement

• Liaise with Relationship Officers, Branch Managers, and Credit Committees.
• Support front-line staff in structuring and documenting retail/micro loans.

Process & Governance

• Ensure proper documentation and file completeness.
• Support loan documentation checklists and contribute to TAT improvements.
• Uphold transparency, consistency, and ethical standards.

Qualifications & Experience

• Bachelor’s degree in Business, Finance, Economics, or related field.
• Minimum 2 years’ experience in credit analysis, microfinance, or retail lending.
• Demonstrated exposure to retail and micro loan files.
• Familiarity with BNR guidelines, consumer lending rules, and microfinance dynamics.

Core Competencies

• Strong numeracy and credit analysis basics.
• Ability to assess repayment from limited documentation.
• Report writing and communication skills.
• Knowledge of microfinance group lending models and retail products.
• Attention to detail and file management discipline.

Behavioral Skills

• Integrity, professionalism, and accountability.
• Willingness to learn and adapt.
• Team player with strong collaboration skills.
• Ability to manage pressure and high transaction volumes.
• Customer sensitivity while maintaining prudent credit judgment.

Performance Metrics

• Accuracy and timeliness of loan appraisals.
• Portfolio quality (PAR ≤ 5% for retail/micro).
• Compliance with TAT requirements.
• Quality of file documentation.
• Feedback from supervisors and committee reviews.

Work Hours: 8

Experience in Months: 24

Level of Education: bachelor degree

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