Terms of Reference (ToRs) 

Credit and Recovery Officers

I. Job Information

Job Title: Credit and Recovery Officer

Reports to: SACCO Manager

Location: In provinces outside Kigali

Start Date: As soon as Possible.

2. Background

The Association of Microfinance Institutions in Rwanda (AMIR) is the umbrella organization for microfinance institutions and Savings and Credit Cooperatives (SACCOs) in Rwanda. AMIR promotes financial inclusion by supporting the growth, sustainability, and professionalization of its member institutions. Through advocacy, capacity building, digital transformation, and policy engagement, AMIR plays a central role in advancing the microfinance ecosystem and contributing to inclusive economic development.

AMIR is implementing the Rwanda MSME Financing Program, commonly referred to as the Kataza Program, to assist youth-owned MSMEs, particularly in agriculture, tourism, and hospitality. The program enhances the financing and operational capabilities of 22 MFIs and SACCOs across 17 districts in Rwanda. Kataza aims to contribute toward the Young Africa Works strategy by enabling at least 54,150 youth—especially young women—to access dignified and fulfilling work by 2027.

To ensure effective and efficient loan management under the Kataza program—including product marketing, appraisal, disbursement, monitoring, and recovery in line with project guidelines—SACCOs will be supported to expand access to credit, build financial literacy, and enhance livelihoods. In this regard, there is a need for dedicated personnel to facilitate the effective implementation of these activities at the SACCO level.

In this context, AMIR plans to recruit Credit and Recovery Officers to assist the implementation of the Kataza program in SACCOs located in the above-mentioned districts. These officers will ensure the efficient delivery of credit services in alignment with the program’s objectives and funding requirements.

3. Responsibilities

Under the supervision of SACCO Manager, he (she) will be tasked with:

A. Loan Processing and Appraisal

• Promote SACCO loan products to targeted and existing members.
• Ensure the initial contact with targeted customers and explain to them all requirements in loan application process;
• Carry out field visits at clients’ businesses and domiciles to ensure their capacities in loan reimbursement;
• Analyze credit application files and help eligible customers complete the files;
• Ensure the client's eligibility based on institutional; l policy and program requirements;
• Constitute the credit application files and make its proposal to the credit committee for analysis and approval;
• Ensure credit disbursements and inform customers;
• Receive and evaluate loan applications for accuracy and completeness.
• perform creditworthiness assessments, including character, capacity, collateral, and conditions.
• produce loan appraisal reports for the Credit Committee.
• Ensure the proper delivery of services and customer satisfaction;

B. Loan Disbursement and Monitoring

• make sure that all approved loans are disbursed in compliance with SACCO policies and guidelines.
• keep accurate loan files and documentation.
• Regularly track loan utilization and repayment.
• Visit clients in the field for verification and follow-up.

C. Loan Recovery and Portfolio Management

• Track loan repayment schedules and follow up with delinquent clients.
• produce and submit regular loan performance and recovery reports.
• execute loan recovery strategies, including renegotiation and legal action when necessary.
• Ensure the high quality of loan portfolio;
• keep the loan portfolio at risk (PAR) within acceptable limits (e.g., <5%).
• Make the list of non-performing/written off loans and establish the schedule and plan for their recovery and submit the execution report to the SACCO Manager;

D. Customer Service and Member Education

• deliver financial education to members on responsible borrowing and saving.
• Address client inquiries and complaints promptly and professionally.
• assist members in understanding loan conditions, repayment plans, and financial planning.

E. Reporting and Compliance

• produce monthly loan reports for management and the Board.
• Ensure compliance with internal policies, BNR regulations, and relevant cooperative laws.
• Participate in internal and external audits and execute recommendations.
• Ensure effective data collection as per the program requirements;
• Timely reporting to kataza program on the program performance and progress as per the requirements;
• Ensure effective collaboration with program’s consortium members.

4. Qualifications and Experience

• Must be a Rwandan;
• Bachelor’s degree in Accounting, Finance, Business Administration, or related field (Notified degree)
• At least 2 years of experience in Microfinance (MFI) & SACCO.
• Knowledge of loan management systems and credit assessment techniques.
• Basic understanding of BNR regulations and SACCO operations in Rwanda.
• Knowledge of mortgage registration in RDB;
•  Knowledge of CRB reporting;
• Women are encouraged to apply;
• Fluent in English and Kinyarwanda would be an advantage;

5. Skills and Competencies

• Strong analytical and numerical skills.
• Excellent interpersonal and communication skills.
• High integrity and ethical standards.
• Proficiency in Microsoft Office would be an advantage;
• Have ease of communication, adaptation and writing;
• Be of good moral character and social reputation.

6. Application Process

Interested candidates are requested to submit the following documents: a CV with at least two references, a cover letter, a copy of ID, a criminal record, notarized copies of academic qualifications, and relevant certificates.

All application documents should be combined into a single PDF file. The email subject line should read: “Application for Credit and Recovery Officer.”

Applications should be submitted via email to info@amir.org.rw no later than 27 April 2026.

Only shortlisted candidates will be contacted for the next steps.

Done on 21 April 2026

AMIR Management