1. Risk analytics, data analysis, and trend identification

1. Analyze AB Rwanda data including portfolio performance, disbursements, PAR/NPL trends, sector concentration, and client behavior.
2. Identify emerging risks and early warning signals through data analysis and trend monitoring.
3. Develop risk dashboards, analytical reports, and performance indicators for management decision-making.
4. Identify root causes behind portfolio deterioration and recommend corrective actions.
5. Monitor portfolio performance by branch, product, client segment, and loan officer and provide regular insights to management.
6. Monitor and analyze ABR’s credit risk exposure on a regular basis.
7. Ensure proper classification and monitoring of risk assets in accordance with regulatory requirements.
8. Monitor ABR’s credit position across market segments and identify areas of risk concentration.
9. Support the development and improvement of credit strategies and policies based on data analysis.
10. Ensure that risk exposure remains aligned with profitability and growth objectives.

2. Development and implementation of risk management framework

1. Develop and implement a comprehensive risk management framework aligned with international risk management standards and the requirements of the National Bank of Rwanda.
2. Strategic leadership and ongoing responsibility for portfolio risk management tools, potentially including portfolio guarantees and/or insurance options
3. Support the development and implementation of enterprise risk management (ERM) processes across AB Rwanda.
4. Define risk tolerance levels and risk acceptance criteria for different business areas.
5. Ensure risk management processes are integrated into daily business operations
6. Continuously review and improve ABR’s risk management framework.

 3. Risk identification, control effectiveness, and compliance monitoring

1. Coordinate the identification, assessment, and documentation of risks across all departments and business processes.
2. Monitor the effectiveness of internal controls and recommend improvements where necessary.
3. Coordinate the identification and reporting of control weaknesses, fraud risks, and operational risks.
4. Support inspection, regulatory, and statutory examinations of ABR’s activities
5.  Stay updated on industry risks, fraud trends, and regulatory changes affecting the microfinance sector.

4. Team leadership, investigation, and information security oversight

1. Supervise and coordinate the work of the team
2. Ensure effective investigation of suspicious transactions, fraud cases, and operational irregularities
3. Support the development of data-driven risk culture across the institution.
4. Train and guide staff on risk awareness, early warning indicators, and data-based decision-making.
5. Promote a proactive risk management culture focused on prevention rather than reaction.

PROFILE & REQUIREMENTS

• Bachelor’s degree in Statistics, Mathematics, Economics, Finance, Data Science, Risk Management, or related field
• Master’s degree in Risk Management, Data Analytics, Finance, or Statistics is a strong advantage
• Minimum 5 years of experience in risk, credit analysis, portfolio analysis, or data analytics in a financial sector or Telecommunication sector
• Strong analytical and problem-solving skills
• Advanced knowledge of data analysis and reporting tools (Excel, Power BI, SQL or similar tools)
• Strong understanding of microfinance portfolio indicators (PAR, NPL, portfolio trends, risk segmentation, etc.)
• Strong curiosity and ability to identify patterns and trends in data
• Strategic and forward-thinking mindset with ability to anticipate risks and opportunities
• High level of energy, initiative, and ownership
• Good communication and presentation skills
• Strong integrity and attention to detail