MUHABURA SACCO BURERA is a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 17 U-SACCOs operating within BURERA District, in accordance with the Government of Rwanda SACCO's consolidation framework.

MUHABURA SACCO BURERA is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following positions at Head office and Branch level:

Responsibilities or duties

Under the supervision and guidance of the Branch Business Operator, the Branch Business Manager has the main responsibilities:

• To work diligently on the assigned work on time and to produce results;
• To comply with the instructions of the employer or his/her representative;
• To take good care of and manage the equipment assigned to him/her in his/her work;
• To be at work and respect working days and hours;
• To maintain the confidentiality of work;
• To provide basic identification documents before starting work;
• To follow the principles and codes of conduct governing the business activities of the Cooperative;
• Ensure day to day activities of the branch;
• Approves and authorizes of branch expenses within defined limits;
• Conducts inventory for cash and approval of daily summary of cash register according to deposit and withdrawal slips;
• Approves the closure of till;
• Prepares reports about activities in the branches;
• Provides approvals according to processes specified in policy and procedure manuals (e.g. transactions, account opening and closing);
• Manages and supervises branch staff (day-to-day supervision, performance review etc.) and interaction with HR department on disciplinary measures, needs assessment etc;
• Conducts the marketing for MUHABURA SACCO BURERA branch within the local community;
• Performs cash, revenue and expense planning and forecasting as well as regular status updates for the branch;
• Verifies and approves loan analysis and contract signing for loans;
• Performs issue handling for loans (e.g. misuse, rescheduling, delinquent loans);
• Communicates with the headquarter (provides information on branches and outlets and receives guidance from headquarter);
• Chairs the credit committee at branch level;
• To promote the activities of the branch in terms of products including loans, to collect at the branch level the responsible items of an action plan and a strategic plan;
• Collect information related to the establishment of profitable projects in accordance with the current vision;
• Encourage and motivate members and clients in general to save and deposit in the form of performance contracts;
• Submit timely reports to the relevant authority within the specified time frame;
• Comply with and support internal controls and procedures and obtain reliable management information for the branch;
• Implement decisions of the board of directors;
• Implement the recommendations of auditors;
• Report and monitor that the branch's treasury does not exceed the predefined in cash management;
• Monitor the performance of branch staff through performance contracts and performance appraisals;
• To foster good relations with members, customers, employees, government agencies and other stakeholders;
• To monitor and verify the accuracy of financial management and accounting activities and on daily and monthly basis;
• To monitor the way in which funds are transferred to or withdrawn from the branch in their limits;
• To develop and expand the branch in all activities in accordance with the Cooperative's mission;
• To analyze, manage and report on the problems’ root causes and serious problems at the branch level;
• To monitor and improve internal controls at the branch level;
• To ensure that branch staff work effectively and in accordance with the Cooperative's mission and objectives;
• To participate in financial control in the event of over surplus and when there is a shortage of funds in the cash register;
• To perform any other duties that do not conflict with the laws and regulations that may be required by the supervisor or his /her superior authority.

Qualifications or requirements

• At least Bachelor’s degree in Economics, Business Administration, Finance or related
• In-depth understanding of banking
• Focused on customer
• Encouraging to team and staff, able to mentor and
• Eager to expand branch with new accounts, clients, and
• Experienced at compiling and following strict
• Able to multitask, prioritize, and manage time

Experience needed

• Three years’ experience in the microfinance and banking

• To work diligently on the assigned work on time and to produce results;
• To comply with the instructions of the employer or his/her representative;
• To take good care of and manage the equipment assigned to him/her in his/her work;
• To be at work and respect working days and hours;
• To maintain the confidentiality of work;
• To provide basic identification documents before starting work;
• To follow the principles and codes of conduct governing the business activities of the Cooperative;
• Ensure day to day activities of the branch;
• Approves and authorizes of branch expenses within defined limits;
• Conducts inventory for cash and approval of daily summary of cash register according to deposit and withdrawal slips;
• Approves the closure of till;
• Prepares reports about activities in the branches;
• Provides approvals according to processes specified in policy and procedure manuals (e.g. transactions, account opening and closing);
• Manages and supervises branch staff (day-to-day supervision, performance review etc.) and interaction with HR department on disciplinary measures, needs assessment etc;
• Conducts the marketing for MUHABURA SACCO BURERA branch within the local community;
• Performs cash, revenue and expense planning and forecasting as well as regular status updates for the branch;
• Verifies and approves loan analysis and contract signing for loans;
• Performs issue handling for loans (e.g. misuse, rescheduling, delinquent loans);
• Communicates with the headquarter (provides information on branches and outlets and receives guidance from headquarter);
• Chairs the credit committee at branch level;
• To promote the activities of the branch in terms of products including loans, to collect at the branch level the responsible items of an action plan and a strategic plan;
• Collect information related to the establishment of profitable projects in accordance with the current vision;
• Encourage and motivate members and clients in general to save and deposit in the form of performance contracts;
• Submit timely reports to the relevant authority within the specified time frame;
• Comply with and support internal controls and procedures and obtain reliable management information for the branch;
• Implement decisions of the board of directors;
• Implement the recommendations of auditors;
• Report and monitor that the branch's treasury does not exceed the predefined in cash management;
• Monitor the performance of branch staff through performance contracts and performance appraisals;
• To foster good relations with members, customers, employees, government agencies and other stakeholders;
• To monitor and verify the accuracy of financial management and accounting activities and on daily and monthly basis;
• To monitor the way in which funds are transferred to or withdrawn from the branch in their limits;
• To develop and expand the branch in all activities in accordance with the Cooperative's mission;
• To analyze, manage and report on the problems’ root causes and serious problems at the branch level;
• To monitor and improve internal controls at the branch level;
• To ensure that branch staff work effectively and in accordance with the Cooperative's mission and objectives;
• To participate in financial control in the event of over surplus and when there is a shortage of funds in the cash register;
• To perform any other duties that do not conflict with the laws and regulations that may be required by the supervisor or his /her superior authority.

• In-depth understanding of banking
• Focused on customer
• Encouraging to team and staff, able to mentor and
• Eager to expand branch with new accounts, clients, and
• Experienced at compiling and following strict
• Able to multitask, prioritize, and manage time

• At least Bachelor’s degree in Economics, Business Administration, Finance or related