Bank of Kigali Employment Opportunities

Bank of Kigali is the leading bank in Rwanda with a market share of 31% of total banking assets The Bank also account for over 50% of the banking sector profit performance. It is the only credit rated company in Rwanda and has been awarded the Bank of the Year award by the Financial Times two years running in 2009 and 2010.

“Bank of Kigali aspires to be the best and most innovative provider of financial solutions in the region.”


‘We endeavour to provide the best financial services and solutions to our business and retail customers in order to create value for our stakeholders. We invest in our employees and provide them with meaningful rewards that encourage them to make significant contributions to the company and the community’

The Bank aims to be the leader position in human capital and skills development in the financial services and employer of choice in Rwanda. To this end the Bank is seeking self motivated persons to further these objectives.


Job Position: Head of Retail Product Development

Job Description

• Reporting to Deputy CEO/COO, develop and design new retail banking lending and deposit products and re‐design and re‐launch the current retail product lineup

• The Bank is investing in the expansion of branch network and electronic channels, and plans to establish an agent network to be capable of serving 500,000 retail clients in 2‐3 years; the generic, payroll‐specific, prepaid card, and other current accounts and bundles should meet the expectations of the market/relevant segments and scale easily; payroll debit card overdrafts, utility bill pay and remittances are to be made easily accessible for activation and use through ATMs & online, as well as branches;

• Update regularly the term deposit product lineup and launch a savings account as part of the current account bundles;

• Payment, e‐wallet and/or m‐wallet solutions to be launched in accordance with the evolving requirements of the market;

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• The Bank’s current lending lineup of payroll, general‐purpose cash consumer loans, mortgage loans etc is to be augmented by launching revolving credit cards, instant/POS consumer loans and other scorecard‐based lending products;

• Responsible for establishing product sales targets and business objectives for each product and channel and for the development of the text‐based and video product guides and training manuals for the front‐office staff and video tutorials for clients and call centre sales scripts;

• Conduct monthly channel visits and monitoring to ensure “best practice” is consistently delivered network‐wide;

• Work closely with the channel management to develop challenging but realistic sales targets across all products and channels;

• Responsible for the competitive benchmarking of each core product from a market‐share, pricing and feature/usability standpoint;

• Build and manage a team of professional product development managers to develop products and services to increase bank's retail market share/profitability in each identified product group, in close co‐operation with IT, retail credit risk and channel management;

• Assist the front office sales/channel management in designing cross‐selling campaigns for specific client segments and monitor and drive the penetration rate of key products.


Desired Profile

• 5‐10 years relevant experience acquired in a dynamic retail banking environment

• IT literacy and ability to liaise effectively with the developers

• Good communication and leadership skills

• Integrity, open minded and goal focus


















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JOB POSITION: Head of Retail Credit Risk Management

Job Description
• Build and manage a team of retail credit risk analysts

• Design, modify, communicate and explain lending credit policies which would anticipate/reflect market conditions (thus ensuring improvement in the portfolio quality and maximising profitability)

• Develop a generic scorecard and other required decision‐making tools to scale mass‐market retail lending

• Continually develop management information and portfolio segmentation MIS to clearly identify the risk drivers so that these are controlled and aligned to forecasted portfolio performance. Work closely with Product Managers to provide value added risk feedback to assist the business in achieving sustainable & profitable growth for all products

• Provide feedback on risk matters concerning new products, changes to existing products (through the CAD process) and participate in the key business management/strategic decisions

• Where required make appropriate and timely corrective actions on lending policies and provide active suggestions on soft and hard collection strategies

Desired Profile

• 5‐10 years relevant experience acquired in a dynamic retail banking environment

• Excellent numerical and analytical skills are required to understand the underlying credit risks at both customer and product portfolio level

• Familiarity with consumer banking credit management, credit tools and best‐practice policies / procedures is essential

• Knowledge of all key functions of retail credit operations with in‐depth knowledge on general‐purpose consumer loans, instant/POS consumer loans, credit cards and payroll‐backed products

• A working knowledge of credit scoring and management of scorecards to ensure continued validity and acceptable performance is essential

• Solution oriented and able to persuade and influence colleagues and superiors of the validity of solutions proposed based on rational argument, supporting data and appropriate previous experience
• Rational, pragmatic, disciplined and methodical

• IT literacy and ability to liaise effectively with the developers

• Good analytical and interpersonal communication skills

• Focus and attention to detail

If you fit the above job specification, please submit your application letter, current CV together with a filled Personal Record Form (PRF Form) which can be downloaded from BK website not later than 20th September 2011 to:

Head of Human Resources & Administration,

Bank of Kigali,

P.O.Box 175

Kigali, Rwanda

E-mail: ;
Bank of Kigali Employment Opportunities Bank of Kigali Employment Opportunities Reviewed by Unknown on 1:08:00 AM Rating: 5

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