Background

As part of Rwanda’s ambitious long-term development plan to become a high-income country by 2050, we are transforming our financial sector through innovative initiatives. The Umurenge Savings and Credit Cooperatives (U-SACCOs), now consolidated into District SACCOs (D-SACCOs), play a pivotal role in creating inclusive financial systems across Rwanda. We are seeking an exceptional leader to drive this transformation forward.

IBAKWE SACCO GATSIBO refers to a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 14 Umurenge Savings and Credit Cooperative (USACCO’s) operating within Gatsibo District, in accordance with the Government of Rwanda SACCO’s consolidation framework and under the supervision of the National Bank of Rwanda (BNR) IBAKWE SACCO GATSIBO is looking for qualified, competent, committed, proactive and self-motivated individual to occupy the following position.

Position: Branch Business Manager (1 Posts)

Reports to: Branch Business Coordinator

Key Responsibilities

Under the supervision and guidance of the Branch Business Coordinator:

• 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 IBAKWE SACCO GATSIBO 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.

Qualification and Experience Requirements

• At least Bachelor’s degree in Economics, Accounting, Finance or related topics.
• Three years’ of experience in microfinance or banking industry at least (loan & recovery officer and Operation position)
• In-depth understanding of banking processes
• Focused on customer service.
• Encouraging to team and staff, able to mentor and lead.
• Eager to expand branch with new accounts, clients, and businesses.
• Experienced at compiling and following strict budgets.
• Able to multitask, prioritize, and manage time efficiently.
• Knowledge of saving policies, loan management, finance, accounting, budgeting, cost accounting.
• Fluency in spoken and written English. Knowledge of French is added advantage.
• To have driving license category A is additional advantage.

HOW TO APPLY

Interested and qualified candidates should submit the following documents:

• Motivation letter addressed to the Chairperson of the Board of Directors.
• Updated Curriculum Vitae (CV) with at least three (3) professional referees and their contact details.
• Copies of academic degrees and certificates.
• Copy of National ID.
• Certificates of service rendered or previous employment certificates proving relevant experience.
• Any other relevant supporting documents proving experience and competencies.

Please note that all required documents must be submitted as hard copies to IBAKWE SACCO GATSIBO Headquarters. Applications sent by email will not be considered.

Deadline for application: Deadline Date 18th/11/2026 at 5h:00 PM

Note: Only shortlisted candidates will be contacted.

Done at Gatsibo, on 05th, November, 2026

HAKIZIMANA Claude

Chairperson of BOD
IBAKWE SACCO GATSIBO