Central Credit Analyst

Rubavu, 07th October 2026

VACANCY ANNOUNCEMENT

INGANJI SACCO RUBAVU is a Savings and Credit Cooperative operating across the 12 sectors of Rubavu District. As part of its commitment to strengthening its institutional capacity, improving service delivery, enhancing risk management and internal controls, and ensuring effective management of its credit portfolio,INGANJI SACCO RUBAVU invites applications from qualified, competent, committed, proactive and self-motivated individualsto fill the following vacant positions:

1. Central Credit Analyst – 1 Position
   Department: Credit

The successful candidates will be expected to demonstrate a high level of professionalism, integrity, commitment, analytical ability and understanding of the operations of financial cooperatives, banking and/or microfinance institutions, depending on the position applied for.

Detailed Job Descriptions, duties and responsibilities, qualifications, experience and other requirementsfor each position are provided below/in the attached Job Descriptions. Interested and qualified candidates are invited to submit their application documents, including:

• A cover letter;
• An updated Curriculum Vitae (CV);
• Copies of relevant academic, professional and training certificates; and
• A copy of a valid National Identity Card or Passport.

All application documents should be combined intoone PDF documentand submitted by email to:  inganjisaccorecruitment@gmail.com.  Hard-copy applications are also accepted and must be deposited at the Headquarters of INGANJI SACCO RUBAVU.Applications must be submittednot later than Tuesday, 20 October 2026 at 5:00 PM.

Done at INGANJI SACCO RUBAVU Headquarters, on 07 October 2026.

HABINSHUTI Dominique
Chairperson, Board of Directors
INGANJI SACCO RUBAVU

Central Credit Analyst

Department: Head of Credit

Reporting to: Head of Credit Officer.

Number of positions: 1 

Job Summary

We invite applications for the position of Central Credit Analyst. The Central Credit Analyst plays a key role in managing and safeguarding the INGANJI SACCO RUBAVU’s loan portfolio by ensuring that all credit decisions are based on rigorous financial analysis and aligned with the SACCO's credit policies and risk tolerance. This position reports to the Head of Credit and supports effective loan appraisal, monitoring, and risk assessment processes. 

Duties and Responsibilities:

Under the supervision and guidance of Head of Credit Officer, Central Credit Analyst shall be tasked with performing the following duties and responsibilities:

• Evaluates loan analysis from branches and outlets/sub-branches and provides advice to the loan officers at branch and outlet/sub-branch level;
• Ensures loan policies are adhered to for all loans;
• Oversees the quality of the loan portfolio and regularly discusses measures with the loan officers in the branches;
• Safeguarding the collateral used to obtain loans and preparing all necessary documents for the registration of collateral;
• Ensuring the loan agreements and the recommendations of the Board of Directors' Credit Committee are implemented at headquarters level;
• Submitting monthly and other reports as necessary to the higher authority showing the status of loans and their interest at headquarters level; 
• Assist management in preparing written documents explaining each stage of the credit process;
• help with conducting research, evaluation and other studies related to the development of the Department;

Qualifications,  Experience  and Condition required:

• Bachelor's degree in finance and banking, accounting, or any relevant field.
• Minimum 3 years of working experiences in credit function of financial industry, preferably microfinance institutions.
• Candidates should be Rwandan by nationalilty.
• Candidates should be not more than 45 years of age at the time of application.
• Good understanding of the bank branch operations, rules and regulations, laws, granting loans, and credit risk management.
• Strong analytical and problem-solving skills.
• Good negotiation, interpersonal and convincing skills.
• Patience and understanding of emotions to deal with members and SACCO staff.
• Ability to make fair and ethical decisions in tough circumstances.
• Excellent organizing, recording and filing skills.
• Strong dedication to accuracy and efficiency

How to apply

All interested and qualified candidates are invited to submit their applications with a cover letter (indicating their motivation, suitability, knowledge and experience), Curriculum Vitae, copies of their academic, professional and training certificates and copies of identity cards or passports in one Pdf document by email All interested and qualified candidates are invited to submit their applications with a cover letter (indicating their motivation, suitability, knowledge and experience), Curriculum Vitae, copies of their academic, professional and training certificates and copies of identity cards or passports in one Pdf document by email toinganjisaccorecruitment@gmail.com or Hardcopy at HQ  not later than Tuesday, 20/10/2026 at 5:00 pm.

Done at INGANJI SACCO RUBAVU HQ, on 07th October, 2026

Chairperson of Board of Directors of INGANJI SACCO RUBAVU

HABINSHUTI Dominique