ACCESS TO FINANCE RWANDA

Request for Proposals

For

Consultancy Services (Senior Software Full Stack Developer) On the Credit Market Infrastructure- INDIVIDUAL CONSULTANT

REQUEST FOR PROPOSALS

PROCUREMENT REFERENCE NUMBER: AFR/RFP-SENIOR SOFTWARE FULL STACK DEVELOPER/OCTOBER/2025.

1. INTRODUCTION 

About Access to Finance Rwanda (AFR)

Access to Finance Rwanda (AFR) a Rwandan not-for-profit company established in 2010 to promote financial inclusion and financial sector development in Rwanda. AFR is currently funded by Sweden, MasterCard Foundation, Global impact/ Co-Develop and Jersey Overseas Aid. 

AFR is part of the broader Financial Sector Deepening (FSD) network in Africa, which seeks to contribute to more inclusive and sustainable economic growth through financial inclusion and financial sector development by working with policymakers, regulators, financial service providers, and other market actors. 

AFR supports the removal of systemic barriers that hinder access to financial services by low-income people, particularly the rural poor, women, youth, and MSMEs. AFR is guided by the Market System Development (MSD) approach recognizing that efforts to increase financial inclusion and financial sector development must be market-led, profitable, and sustainable. 

About the project/ Overview of the project

Digital Public Infrastructure (DPI) serves as the backbone of a digital economy, unlocking opportunities for financial inclusion, enabling digital identity systems, strengthening payment infrastructure, and fostering secure data exchange. 

RISA has embraced Digital Public Infrastructure (DPI) as a framework to guide interoperable, sustainable, and inclusive digital transformation initiatives. One of the key business cases under this approach is the Credit Market Infrastructure (CMI).

The CMI is a DPI initiative designed to modernize Rwanda’s credit market ecosystem. It aims to address critical market inefficiencies by creating a shared digital platform that connects financial service providers, data providers (credit bureaus, identification, certification bodies, satellite data service providers, Agriculture value chain data etc..) and borrowers through standardized APIs and automated processes. By enabling a single, trusted source of credit-related data, the CMI will enhance credit risk assessment, strengthen financial inclusion, and support responsible lending practices.

2. Objective of the assignment

The Senior Full-Stack Software Developer will play a hands-on role in designing, coding, and deploying secure, scalable, and interoperable Credit Market Infrastructure (CMI). They will embed DPI design principles and safeguards into every layer of development, ensuring systems foster openness, inclusion, and trust. By driving technical decisions and contributing directly to the codebase, the developer will empower the engineering team to build, maintain, and continuously evolve high-quality solutions within the DPI ecosystem. The Senior Full-Stack Software Developer will work within a phased delivery framework. This phased approach enables iterative learning and scaling toward a full-featured scalable DPI solution, in close collaboration with the Senior Technical Architect and Delivery Lead.

Interested bidders (Individual consultants) must confirm their intention to submit a bid by Thursday October 16, 2025, at 17h00 HRS CAT

Any requests for clarifications to the RFP may be submitted by Tuesday, October 21, 2025, 17h00 HRS CAT.

Bidders should submit their proposals no later than Friday 24, 2025, 14:00 HRS CAT

Responding bidders are advised that this solicitation does not in any way obligate AFR to make a contract award or compensate the responding individuals for any costs associated with the preparation and submission of their proposals. Additionally, AFR may award a contract without conducting negotiations; all proposals should be submitted initially using your most favorable terms. AFR reserves the right to award any resultant contract to other than the offeror submitting the lowest price proposal based on technical excellence, schedule superiority or client request.

All communications regarding this RFP should be addressed via email: procurement02@afr.rw

Below is the summary planned procurement schedule:

Note: This procurement is open to local consultants.

Cordially,

Jean Bosco Iyacu

Chief Executive Officer