Retail Credit Analyst, Micro Credit Analyst and Social Inclusion Analyst

RETAIL, MICRO CREDIT AND SOCIAL INCLUSION ANALYSTS

Job Titles: Retail Credit Analyst, Micro Credit Analyst and Social Inclusion Analyst

Department: Credit Risk / Underwriting

Reports to: Head of Credit Underwriting (Director of Credit retains oversight)

Location: H/Q

Role Purpose

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

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 and ensure compliance with RAAC and BNR guidelines.
• Ensure collateral or guarantor adequacy as per product design. Portfolio Monitoring s Risk Management
• Track performance of retail and micro loan portfolios.
• Flag early warning signals (arrears, delinquency trends).

Core Competencies

• Strong numeracy and credit analysis basics.
• Ability to assess repayment from limited documentation.
• Report writing and communication skills.
• Knowledge of micro­nance group lending models and retail products.
• Attention to detail and ­le management discipline.
• Behavioral Skills
• Integrity, professionalism, and accountability.
• willing 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).
• TAT compliance.
• Quality of ­le documentation.
• Feedback from supervisors and committee reviews.

If you meet the above requirements, submit your application quoting the job opportunity you are applying for as subject of your email through the email address below by 8th October 2025. Please include detailed Curriculum Vitae, copies of the relevant certi­cates, testimonials, and daytime telephone contact and email address. Only short-listed candidates will be contacted.

Email to: jobsrwanda@equitybank.co.rw

Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights, values and what they bring to the workplace.