Central Loan Recovery Officer

Organization

INGANJI SACCO RUBAVU is a District Savings and Credit Cooperative (D-SACCO) established following the consolidation of 12 Umurenge Savings and Credit Cooperatives (USACCOs) operating within Rubavu District. Operating under the supervision of the National Bank of Rwanda (BNR), INGANJI SACCO RUBAVU is part of Rwanda's ambitious long-term development plan to transform the financial sector and create inclusive financial systems across the country.

Position Overview

• Department: Head of Credit
• Reports to: Head of Credit Officer
• Number of positions: 1
• Location: Gisenyi, Rwanda

Job Summary

The Central Loan Recovery Officer is responsible for ensuring effective loan repayment, minimizing credit risk, and maintaining the health of INGANJI SACCO RUBAVU's loan portfolio. The role focuses on tracking overdue loans, engaging with members to secure timely repayments, negotiating repayment arrangements, and taking appropriate actions on delinquent accounts in alignment with the SACCO's credit policies and regulatory requirements. This position supports financial stability and helps maintain strong member relationships while protecting the SACCO's financial interests.

Key Responsibilities

• Analyze and review non-performing loans on a regular basis
• Track and monitor overdue loan accounts
• Engage with members to secure timely loan repayments
• Negotiate repayment arrangements with delinquent borrowers
• Take appropriate actions on delinquent accounts in accordance with SACCO credit policies
• Ensure compliance with regulatory requirements
• Maintain and strengthen member relationships during recovery processes
• Support the overall financial stability of the organization

About the Role

You will work under the supervision and guidance of the Head of Credit Officer, playing a critical role in protecting the SACCO's financial interests while maintaining professional and respectful member interactions.