Job description

The Development Bank of Rwanda (BRD) Plc is Rwanda’s only National Development Bank mandated to support Rwanda’s Vision 2050 development agenda. Over the past five years, the bank has registered exponential growth contributing to socio-economic development, strengthening institutional and human capacity, fostering corporate governance and risk management practices.

The Bank is implementing the revised strategic plan for 2024-2028 which is appropriately aligned to the country’s strategic direction enabling the Bank to unlock better value creation for its stakeholders by supporting entrepreneurs, addressing market failures, and impactful socioeconomic development.

To deliver on its bold vision and impactful objectives, the Bank’s expanded and refocused mandate is underpinned on four strategic focus areas:

• Availing transformational finance.
• Increasing green financing for a resilient future.
• Driving scale and impact.
• Fostering innovation and technology.

To achieve its strategic mandate, BRD recognizes the importance of strengthening its human and institutional capital to drive sustainable development and ensure the Bank remains a center of excellence in the financial sector.

BRD is committed to respecting gender equality and disability norms. We promote gender-responsive practices. Qualified candidates particularly females and persons living with disabilities are encouraged to apply.

To help accomplish this ambitious and exciting vision, the Development Bank of Rwanda (BRD) would like to recruit suitable qualified candidates to fill the following positions:

OFFICER, GUARANTEE RISK (1)

Background Information

Job Title: Officer, Guarantee Risk,

Department: Credit Guarantee 

Reports to: Manager, Credit Guarantee Risk 

Contract Terms: Open Ended

Purpose of the Job: 

The Risk Officer will be responsible for supporting BRD Guarantee instrument’s risk management function, implementing BRD’s risk management framework through day-to-day risk assessment, analysis, reporting, and control and monitoring activities. 

This role is critical in managing and mitigating the credit risks (individual and portfolio) associated with the Guarantee instrument’s operations, enabling it to meet its objective of strengthening MSMEs in Rwanda through increased access to finance.

Key Responsibilities: 

• Support due diligence and risk assessment of Participating Financial Institutions (PFIs) under BRD’ Credit Guarantee.
• Conduct risk reviews of guarantee applications, renewals, and rescheduling requests in line with BRD policies.
• Appraise guarantee claim submissions and provide recommendations based on compliance with guarantee terms.
• Monitor Credit Guarantee portfolio performance, identify early warning signals, and follow up on high-risk accounts.
• Maintain risk monitoring tools and ensure accurate risk data in the MIS.
• Conduct risk-based monitoring activities, including periodic portfolio reviews and onsite/offsite PFI assessments.
• Prepare risk reports and portfolio analysis updates for management decision-making.
• Ensure compliance with internal risk policies, guarantee guidelines, and regulatory standards.
• Recommend improvements to Credit Guarantee department risk processes, tools, and controls.
• Carry on any other assignment delegated by the line managers or the Management of the Bank

Performance Indicators

The performance of the Credit Guarantee Risk Officer will be assessed based on key performance indicators related to BRD’s adherence to set risk limits and its risk management framework, as well as the quality of the Portfolio and timeliness of their support to the Credit Guarantee Risk Manager and operations team, and among other financial indicators.

Professional, academic qualifications and experience

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.
• At least Three years of experience in credit risk management, enterprise risk, portfolio analysis, or lending operations within a financial institution or guarantee scheme.
• Strong knowledge of credit assessment, portfolio monitoring, and early warning systems.
• In-depth and up-to-date knowledge of the Rwandan banking and (M)SME finance sector, including Rwandan banking regulations.
• Strong problem-solving skills to identify and address credit-related issues effectively.
• Excellent analytical and financial modelling skills with advanced Excel proficiency.
• Strong people management skills. 
• A strong understanding of compliance, as well as knowledge of KYC (Know Your Customer), AML (Anti-Money Laundering), and CFT (Combating the Financing of Terrorism) procedures, laws, and regulations, is highly advantageous.
• Experience in conducting training, developing credit manuals, and portfolio reporting is desirable.
• Strong written and verbal communication skills and ability to engage with diverse stakeholders. 
• Excellent communication and interpersonal skills to effectively engage with stakeholders.
• Ability to conduct thorough analyses and ensure accuracy in credit assessments.

Application Guidelines:

?Interested candidates should apply online (https://www.brd.rw/careers/)?and upload application documents including Curriculum Vitae, copies of degree certificates and professional certificates, motivation letter, names of three previous supervisors (as one document) as well as their emails and telephone.

Only online applications shall be considered.

Email-only for inquiries (not application): recruitment@brd.rw

Address all applications to the Director, People, Culture and Corporate Services of BRD.

Deadline for application: December 19, 2025.

The employment package is highly competitive and attractive.

Only Candidates with the right qualifications and relevant experience shall be shortlisted and contacted for Interviews. 

Done in Kigali, Monday December 9, 2025.