Position title: Micro Small and Medium Enterprises (MSME)
Manager
Date: 24th June, 2026
Reporting to: Chief Commercial Officer (CCO)
Expected starting date: 20th July 2026
Employment Contract type: Open Ended
About the ASA International (Rwanda) Plc:
WHO WE ARE
ASA International (Rwanda) Plc (subsequently referred to as
“ASA Rwanda”) is a for-profit, deposit taking Microfinance Institution
licensed by National Bank of Rwanda and incorporated under The Companies Act,
No.103495622 in Rwanda in 2014 and started operations in 2016, currently
serving small business through Loans and savings in 37 branches across the
country. ASA Rwanda is a subsidiary of ASA International listed
on London Stock Exchange, one of the world’s largest international Microfinance
institutions in the world operating in 13 countries in Africa and Asia.
As a financial company and ASA international (Rwanda) plc is
mostly engaged to work for the low-income people of the country and as long as
there is a possibility of financial irregularities in the activities, the
company created a department/position to work to prevent any sorts of
misappropriation.
Vision: Reduce poverty by improving the lives of
the underprivileged with a key focus on female entrepreneurs.
Mission: We have a strong commitment to
financial inclusion and socioeconomic progress.
Objective: Providing Microfinance loans for
business purpose to low-income entrepreneurs with an objective of improving
financial inclusion and realize socioeconomic progress. Our loans provide an
alternative to low-income entrepreneurs without access to credit from
traditional banks. We provide these loans using the ASA Model.
JOB PROFILE
The Micro Small and Medium Enterprises (MSME) Manager is
responsible for driving the growth and management of the MSME portfolio, with a
strong focus on women entrepreneurs. The role supports customer acquisition,
relationship management, credit management, financial literacy, and business
development in line with ASA Rwanda’s mission of promoting financial inclusion
and socio-economic empowerment for low-income entrepreneurs. The SME Manager
leads the development of a quality, diversified MSME loan portfolio while
championing the adoption of digital financial services and the capacity development
of both clients and lending staff.
KEY RESPONSIBILITIES
A. Business Development & Portfolio Growth
- Develop
and implement strategies to acquire, onboard, and retain MSME customers,
with a particular focus on women entrepreneurs and women-owned businesses.
- Promote
and cross-sell MSME products and services, including loans, savings,
micro-insurance, and digital financial solutions.
- Mobilize
deposits and grow a profitable, diversified, and high-quality MSME
portfolio in line with business targets.
- Identify
eligible Small Business Loan (SBL) customers and facilitate their
migration into the MSME portfolio.
- Build
and maintain strong relationships with clients, prospects, merchants, and
business partners to drive customer loyalty and portfolio growth.
- Conduct
regular market visits to identify business opportunities, deepen customer
engagement, and strengthen the institution's market presence.
B. Credit Management & Portfolio Quality
- Conduct
comprehensive business assessments, financial analysis, and credit
appraisals to evaluate customer eligibility, repayment capacity, and
business viability.
- Process
and recommend loan applications within established turnaround times and in
compliance with approved credit policies and procedures.
- Monitor
loan utilization, repayment performance, and overall portfolio quality to
ensure sustainable portfolio growth.
- Proactively
manage Portfolio at Risk (PAR) and minimize non-performing loans through
early identification of risk indicators and timely intervention.
- Support
collection and recovery activities by following up on delinquent accounts
and collaborating with the Recovery team to resolve arrears.
C. Financial Literacy & MSME Capacity Building
- Design,
organize, and facilitate financial literacy programs, business clinics,
workshops, and customer engagement forums for MSME clients.
- Deliver
capacity-building initiatives aimed at enhancing business management,
financial planning, record keeping, and responsible borrowing practices,
particularly among women entrepreneurs.
- Provide
training and technical support to lending staff on MSME products, credit
assessment methodologies, portfolio management practices, and financial
inclusion principles.
- Promote
the adoption and effective utilization of digital banking channels,
including mobile banking, agency banking, and digital payment solutions.
D. Performance Monitoring & Reporting
- Prepare
and submit accurate and timely portfolio performance reports to management
in accordance with established reporting requirements.
- Monitor
and report on key performance indicators, including customer acquisition,
portfolio growth, deposit mobilization, collections, and portfolio
quality.
- Track
and report on SBL-to-MSME migration performance, pipeline development, and
business growth opportunities.
- Analyze
portfolio trends, identify emerging risks, and provide recommendations to
support informed decision-making.
- Escalate
portfolio concerns, operational issues, and market intelligence to
management in a timely manner and propose appropriate corrective actions.
QUALIFICATIONS AND EXPERIENCE
- Bachelor's
Degree in Business Administration, Banking & Finance, Economics,
Accounting, Commerce, Marketing, or a related field.
- Professional
qualifications in Banking, Credit Management, Microfinance, or Risk
Management will be an added advantage.
- Certification
in MSME Banking, Financial Inclusion, Women's Banking, or Credit Analysis
is desirable.
- Minimum
of 4 years' experience in banking, microfinance, SME/MSME lending, or
business banking, with at least 2 years in a supervisory role.
- Proven
experience in MSME customer acquisition, portfolio growth, and
relationship management.
- Strong
experience in credit appraisal, financial analysis, loan processing, and
portfolio management.
- Demonstrated
ability to manage portfolio quality, control Portfolio at Risk (PAR), and
support loan recovery initiatives.
- Experience
in deposit mobilization, cross-selling financial products, and achieving
business growth targets.
- Experience
in delivering financial literacy training, customer engagement programs,
or capacity-building initiatives will be an added advantage.
CORE COMPETENCIES
- Strong
understanding of MSME lending methodologies, credit risk assessment, and
portfolio management principles.
- Sound
knowledge of banking regulations, credit policies, and financial inclusion
best practices.
- Ability
to analyze business financial statements, cash flows, and business
performance indicators.
- Strong
business development, negotiation, and relationship management skills.
- Excellent
communication, presentation, facilitation, and stakeholder engagement
skills.
- Strong
analytical, problem-solving, and decision-making abilities.
- Proficiency
in Microsoft Office applications and banking management systems.
Job location
Kigali, Rwanda
Application process
Interested candidates should submit their resume
and cover letter to asarecruitment@asarwanda.rw with subject line
mentioning MSME Manager. Submission of Application should be
before 3rd July 2026 at 5:00 PM. Only shortlisted candidates
will be contacted for further evaluations. If you do not hear from us in 2
weeks after the deadline, know that you are not meeting our requirements.
ASA International Rwanda Plc is an equal opportunity
employer and welcomes applications from individuals of all backgrounds. We are
committed to diversity, inclusion, and creating a supportive work environment
where all employees can thrive.
Christian Salifou
Chief Executive Officer
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