Credit Specialist

Background Information

Job Title:  Credit Specialist

Department: CEO’s office 

Reports to: E-Moto - Project Coordinator

Project Introduction

The Rwanda Development Bank (BRD), through the project Accelerating the Deployment of E-Motos in Rwanda, is leading the implementation of the E-Moto Credit Enhancement Facility (E-CEF), a flagship initiative aimed at promoting the transition to electric motorcycles across the country. As the implementing agency, BRD is responsible for managing the facility, coordinating stakeholders, deploying financial instruments such as guarantees and results-based incentives, and ensuring robust monitoring and reporting.

To support this effort, BRD will establish the E-CEF Finance Advisory Team, tasked with Mobilizing finance for e-moto manufacturers and operators to expand access to affordable electric motorcycles and delivering economic and environmental impact, initially in Kigali, by reducing emissions and creating green jobs.

This initiative directly contributes to Rwanda’s green growth and climate goals by fostering sustainable urban transport and inclusive development. 

Contract Terms: Open-Ended

Purpose of the Job 

The Credit Specialist will be a core member of the E-Moto Finance Advisory Team responsible for developing structured finance, blended finance, and credit enhancement approaches that meet bankability requirements; conducting credit due diligence assessments for proposed transactions; designing sector-specific credit products; and managing associated risks to support financing for e-moto manufacturers and operators. The role also involves stakeholder engagement, portfolio monitoring, and capacity building to strengthen BRD’s credit delivery and risk management for structured finance, blended finance, and credit enhanced transactions in the e-mobility with possible application to other sectors

Key Responsibilities: 

• Develop structured finance and other approaches that meet bankability requirements based on worldwide proven financial best practices. 

• Conduct credit due diligence assessments for proposed transactions to determine creditworthiness, analyzing financial statements, cash flow projections, business plans, and other information as needed to assess the viability of proposed financing requests.

• Develop risk assessment models and frameworks specific to the e-moto sector.

• Design and implement innovative credit products that cater to the unique needs of the e-mobility market, including structured finance solutions.

• Collaborate with the Transaction Specialist to ensure that proven structured finance techniques, credit enhancements, and credit products are effectively integrated into financing offers for e-moto initiatives.

• Identify and mitigate potential risks associated with lending to e-moto manufacturers and operators, ensuring compliance with BRD’s risk management policies.

• Monitor the performance of credit portfolios and provide insights for risk management strategies.

• Work closely with financial institutions, microfinance organizations, and other stakeholders to facilitate access to credit enhancements and financing solutions.

• Engage in discussions with national and local government and regulatory bodies to promote favorable credit conditions and an enabling environment for the e-mobility sector.

• Prepare regular reports on credit performance, including delinquency rates, defaults, and recovery efforts, providing recommendations for improvement.

• Ensure comprehensive documentation of all credit transactions and adherence to BRD’s reporting standards and that of other funder(s).

• Conduct training sessions for BRD staff and stakeholders on credit risk assessment, management practices, and best practices in lending with a focus on structured finance and credit enhancements.

• Promote knowledge sharing and continuous improvement within the team regarding credit solutions and market trends.

• Carry on any other assignment delegated by the line manager or the Management of the Bank.

Performance Indicators

The performance of the Credit Specialist will be assessed based on key performance indicators related to adherence to set risk limits and risk management framework, effectiveness of credit products developed, portfolio performance (e.g., default and recovery rates), and the level of stakeholder engagement and training delivered.

Professional, academic qualifications and experience

• A bachelor’s or master’s degree in finance, economics, business administration, or a related field.

• At least five years of progressive experience in credit analysis, risk management, or lending within the financial services sector in Rwanda. 

• In-depth and up-to-date knowledge of the Rwandan banking and (M)SME finance sector, including Rwandan banking regulations.

• Proven experience in assessing creditworthiness and managing credit portfolios.

• Strong analytical skills with the ability to develop and assess investment proposals, financial models, complex financial data, and make informed decisions. 

• Strong knowledge of best practices in structured finance, blended finance, credit enhancement techniques, guarantees, export financing mechanisms, and international trade practices is desirable.

• Experience in conducting training, developing credit manuals, and portfolio reporting is desirable.

• Strong written and verbal communication skills and ability to engage with diverse stakeholders. 

• Excellent communication and interpersonal skills to effectively engage with stakeholders.

• Ability to conduct thorough analyses and ensure accuracy in credit assessments.

• Strong problem-solving skills to identify and address credit-related issues effectively.

Application Guidelines: 

Interested candidates should apply online via the apply button and upload application documents including Curriculum Vitae, copies of degree certificates and professional certificates, motivation letter, names of three previous supervisors (as one document) as well as their emails and telephone. 

Only online applications shall be considered. 

Email-only for inquiries (not application): recruitment@brd.rw

Address all applications to the Head, Human Capital, and Corporate Services of BRD. 

Deadline for application: June 7, 2025. 

The employment package is highly competitive and attractive. 

Only Candidates with the right qualifications and relevant experience shall be shortlisted and contacted for the next step. 

Done in Kigali, May 27, 2025.