Background Information

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:

TEAM LEAD, GUARANTEE MONITORING (1)

1. Background Information

Job Title: Team Lead, Credit Guarantee Monitoring

Department: Credit Guarantee

Reports to: Manager, Credit Guarantee Risk

2. Contract Terms: – Open-ended contract

3. Purpose of the Job:

The Team Lead, Guarantee Monitoring is responsible for providing strategic oversight of the monitoring and performance management of all guarantee schemes under the Credit Guarantee Unit. The role ensures that guarantee operations are implemented in line with approved frameworks, risk appetite, and regulatory requirements by overseeing portfolio performance tracking, risk matrix updates, claim validation, recovery follow-up, and adherence to monitoring standards across PFIs.

The Team Lead will lead the continuous review of guarantee-backed portfolios, identify emerging risks, validate data integrity, monitor compliance with GFAs and operational manuals, and ensure timely reporting to management and funders. This includes supervising the transition and integration of legacy BDF portfolios, strengthening monitoring tools and templates, and ensuring consistent application of best practices across schemes.

4. Key Responsibilities:

• Oversee monitoring of all guarantee schemes, including portfolio performance, arrears, NPL trends, and recoveries.
• Ensure accuracy and integrity of monitoring data through continuous validation and reconciliation.
• Update and maintain the guarantee risk matrix and monitor adherence to exposure limits and eligibility criteria.
• Review claim submissions, verify documentation, and follow up on recovery efforts with PFIs.
• Monitor PFI compliance with GFAs, reporting obligations, and guarantee procedures.
• Lead the integration and ongoing monitoring of the legacy BDF portfolio.
• Prepare monitoring dashboards, performance reports, and analytical briefs for management and funders.
• Strengthen monitoring templates, tools, and workflows to improve quality and consistency.
• Engage PFIs through periodic reviews, capacity building, and follow-up to enhance portfolio quality and reporting.
• Monitor guarantee fees, invoice processes, and ensure timely billing, reconciliation, and follow-up with PFIs on outstanding payments.
• Collaborate closely with Risk, Operations, Finance, and MIS teams to support coordinated monitoring activities.
• Undertake any additional responsibilities assigned by management to support the integration process and continuous improvement of the Guarantee Monitoring function.

5. Performance Indicators

The performance of the Team Lead, Guarantee Monitoring, will be assessed based on the effective oversight and coordination of monitoring activities across all guarantee schemes, ensuring high-quality portfolio performance tracking and adherence to risk management standards. Key indicators include the accuracy, completeness, and timeliness of portfolio monitoring reports; proactive identification and escalation of emerging risks; and the ability to provide data-driven insights that support decision-making at departmental and management levels.

Performance will also be measured by the quality of engagement with PFIs, the leadership provided in integrating and monitoring the legacy BDF portfolio, the effectiveness of claim and recovery validation processes, and the robustness of updates to the risk matrix and monitoring tools. Additional emphasis will be placed on maintaining strong data integrity across systems, ensuring timely reconciliation of fees and invoices, supporting process improvements, and fostering cross-functional collaboration with Risk, Operations, Finance, and MIS teams to strengthen the overall monitoring framework.

6. Professional, academic qualifications and experience

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.
• Minimum of 5 years of progressive experience in credit risk management, portfolio monitoring, financial analysis, or banking operations, within a financial institution or guarantee scheme.
• Advanced understanding of credit assessment frameworks, portfolio performance indicators, early warning systems, and guarantee scheme operations preferably.
• Strong expertise in risk management, including exposure analysis, concentration risk, arrears tracking, NPL management, claims assessment, and recovery follow-up.
• Demonstrated experience in managing and analyzing large datasets, with excellent financial modelling and advanced Excel skills; knowledge of MIS systems or digital monitoring tools is an added advantage.
• Proven ability to lead and coordinate portfolio monitoring processes, including supervising junior staff, guiding monitoring workflows, and supporting cross-functional alignment.
• Strong problem-solving and analytical capabilities with the ability to interpret complex portfolio trends and provide actionable insights.
• Experience in developing monitoring templates, and risk registers.
• Excellent communication, stakeholder engagement, and report-writing skills, with ability to interface effectively with PFIs, internal teams, and external partners.
• Proven ability to work independently and manage multiple priorities, ensuring accuracy, timeliness, and adherence to monitoring standards.

• Oversee monitoring of all guarantee schemes, including portfolio performance, arrears, NPL trends, and recoveries.
• Ensure accuracy and integrity of monitoring data through continuous validation and reconciliation.
• Update and maintain the guarantee risk matrix and monitor adherence to exposure limits and eligibility criteria.
• Review claim submissions, verify documentation, and follow up on recovery efforts with PFIs.
• Monitor PFI compliance with GFAs, reporting obligations, and guarantee procedures.
• Lead the integration and ongoing monitoring of the legacy BDF portfolio.
• Prepare monitoring dashboards, performance reports, and analytical briefs for management and funders.
• Strengthen monitoring templates, tools, and workflows to improve quality and consistency.
• Engage PFIs through periodic reviews, capacity building, and follow-up to enhance portfolio quality and reporting.
• Monitor guarantee fees, invoice processes, and ensure timely billing, reconciliation, and follow-up with PFIs on outstanding payments.
• Collaborate closely with Risk, Operations, Finance, and MIS teams to support coordinated monitoring activities.
• Undertake any additional responsibilities assigned by management to support the integration process and continuous improvement of the Guarantee Monitoring function.

• Advanced understanding of credit assessment frameworks, portfolio performance indicators, early warning systems, and guarantee scheme operations preferably.
• Strong expertise in risk management, including exposure analysis, concentration risk, arrears tracking, NPL management, claims assessment, and recovery follow-up.
• Demonstrated experience in managing and analyzing large datasets, with excellent financial modelling and advanced Excel skills; knowledge of MIS systems or digital monitoring tools is an added advantage.
• Proven ability to lead and coordinate portfolio monitoring processes, including supervising junior staff, guiding monitoring workflows, and supporting cross-functional alignment.
• Strong problem-solving and analytical capabilities with the ability to interpret complex portfolio trends and provide actionable insights.
• Experience in developing monitoring templates, and risk registers.
• Excellent communication, stakeholder engagement, and report-writing skills, with ability to interface effectively with PFIs, internal teams, and external partners.
• Proven ability to work independently and manage multiple priorities, ensuring accuracy, timeliness, and adherence to monitoring standards.

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.
• Minimum of 5 years of progressive experience in credit risk management, portfolio monitoring, financial analysis, or banking operations, within a financial institution or guarantee scheme.