VisionFund Rwanda (VFR), is Rwanda’s largest microfinance Institution. VFR is committed to the development of Rwanda through providing affordable financial services (savings and loans) to the less privileged throughout its 4 zones in Rwanda.

VFR is the institution where you can develop your expertise working with the best people worldwide in a dynamic, team focused high performance environment. If you are looking for interesting but challenging work where you can make a difference in the world, then VFR has the will to make it so.

VisionFund Rwanda (VFR) has zero tolerance to abuse and sexual exploitation of children and adults beneficiaries. We expect all our employees/affiliates to commit to protecting children and adult beneficiaries from harm and abide by our safeguarding policy.

Responsibilities or duties

Job Purpose

• Ensure the effective performance of all branch activities
• Ensure significant extension, monitoring and documentation of the branch operations
• Ensure the quality of loan portfolio and level of deposit in branch.

Main Responsibilities

1. The sound extension, planning, monitoring and loan documentation of branch Operations;
   • Work with branch staff to come up with branch operating projections in regards to KPIs
   • Analyse the monthly branch performance vis a vis the approved branch targets and adopt remedial measures if necessary,
   • Exchanges information with the Branch Leader and other departments and secures an adequate information flow within the branch;
   • Monitors loan collaterals submitted by clients; and as recommended by the sites, controls and facilitates the selling of these collaterals in coordination with the institution’s legal officer;
   • Make sure to visit the clients before new loan is given
   • Ensures compliance to all existing regulations;
   • Ensures that policies and procedures are applied consistently and uniformly across the branch
   • Ensures if the proper loan documentation is in place.
   • Follow up of bad borrowers and help in loan recovery
   • Visit and verifying the clients during group training.
   • Plan and supervise marketing and promotional activities in the Branch working area
2. The efficiency of Credit Operations,
   • Supervises the day-to-day credit activities of a branch to ensure that the targets set and agreed upon are met;
   • Consults with the MIS department any monitoring or reporting related issues, and resolves the issues at the soonest possible time;
3. Maintain the quality of the loan portfolio of the credit officers
   • “Champions” the efforts in managing loan delinquency by closely monitoring the branch and ensuring strict compliance to all policies and procedures;
   • Physical verification and appraisal of businesses before issuing loans
   • Witnesses every disbursement within the branch
4. Clients Complaints handling,
   • Ensuring that client’s complaint are well recorded in client’s complaints register at the Branch.
   • Following up on the received client’s complaints and providing feedback timely as per VFR client’s complaints handling policy,
   • Compiling all client’s complaints received at the Branch and send the report to the person in charge of client’s complaints management at Head officer before 5th of the month.
5. Management of the staff in the branch
   • Principal advisor of Head of operations on all matters relating to Branch staff.
   • Staff are actively managed through regular coaching, performance reviews, and developmental feedback to foster accountability and growth.
   • Clear guidance is provided to ensure individual roles and team objectives align with VFR’s strategic goals and service standards.

Qualifications or requirements (e.g., education, skills)

The following may be acquired through a combination of formal or self-education, prior experience or on-the-job training:

• University degree in economics, accounting, business administration;
• Four (4) years of related experience in Microfinance or Banking Branch operations
• Having knowledge on savings groups functionality would be an advantage,
• Determined personality with initiative, perseverance and the ability to motivate and manage a team
• Capability and willingness to take responsibility and highly developed sense of rectitude
• Ready to comply and live up to and in accordance with the organization Ideals and Core Values
• Be proficient in Microsoft office applications
• Able to plan and manage finances, including a basic understanding of accounting.
• Be a good trainer, facilitator, mentor, and coach
• Very good communication and marketing skills

Attributes Desired:

• A committed Christian, able to stand above denominational diversities.
• Able to lead and participate in the leadership of daily devotions.

• The sound extension, planning, monitoring and loan documentation of branch Operations;
• Work with branch staff to come up with branch operating projections in regards to KPIs
• Analyse the monthly branch performance vis a vis the approved branch targets and adopt remedial measures if necessary,
• Exchanges information with the Branch Leader and other departments and secures an adequate information flow within the branch;
• Monitors loan collaterals submitted by clients; and as recommended by the sites, controls and facilitates the selling of these collaterals in coordination with the institution’s legal officer;
• Make sure to visit the clients before new loan is given
• Ensures compliance to all existing regulations;
• Ensures that policies and procedures are applied consistently and uniformly across the branch
• Ensures if the proper loan documentation is in place.
• Follow up of bad borrowers and help in loan recovery
• Visit and verifying the clients during group training.
• Plan and supervise marketing and promotional activities in the Branch working area
• The efficiency of Credit Operations,
• Supervises the day-to-day credit activities of a branch to ensure that the targets set and agreed upon are met;
• Consults with the MIS department any monitoring or reporting related issues, and resolves the issues at the soonest possible time;
• Maintain the quality of the loan portfolio of the credit officers
• “Champions” the efforts in managing loan delinquency by closely monitoring the branch and ensuring strict compliance to all policies and procedures;
• Physical verification and appraisal of businesses before issuing loans
• Witnesses every disbursement within the branch
• Clients Complaints handling,
• Ensuring that client’s complaint are well recorded in client’s complaints register at the Branch.
• Following up on the received client’s complaints and providing feedback timely as per VFR client’s complaints handling policy,
• Compiling all client’s complaints received at the Branch and send the report to the person in charge of client’s complaints management at Head officer before 5th of the month.
• Management of the staff in the branch
• Principal advisor of Head of operations on all matters relating to Branch staff.
• Staff are actively managed through regular coaching, performance reviews, and developmental feedback to foster accountability and growth.
• Clear guidance is provided to ensure individual roles and team objectives align with VFR’s strategic goals and service standards.

• Determined personality with initiative, perseverance and the ability to motivate and manage a team
• Capability and willingness to take responsibility and highly developed sense of rectitude
• Ready to comply and live up to and in accordance with the organization Ideals and Core Values
• Be proficient in Microsoft office applications
• Able to plan and manage finances, including a basic understanding of accounting.
• Be a good trainer, facilitator, mentor, and coach
• Very good communication and marketing skills

• University degree in economics, accounting, business administration;
• Four (4) years of related experience in Microfinance or Banking Branch operations
• Having knowledge on savings groups functionality would be an advantage,