Credit Monitoring Manager

About the role

BPR Bank Rwanda is looking for a Credit Monitoring Manager within its Credit Department. The role leads the credit monitoring team and keeps close track of the loan portfolio, working with business units and management to mitigate credit risk and support regulatory compliance.

Key responsibilities

• Lead, organise and coordinate the credit monitoring team's tasks and assignments.
• Produce daily credit monitoring reports, identify delinquent accounts and irregularities, and follow up so corrective action is taken in line with credit policy.
• Review the portfolio daily: arrears amount and days, excess on limits, expired and expiring limits, and follow-up on restructured loans under the cooling period required by BNR regulation.
• Develop and implement strategies to upgrade accounts under watch back to normal in line with BNR regulations and bank policy.
• Review slippage reports, communicate daily with business units, review vintage analysis and monitor loans near downgrade points.
• Monitor insurance renewal periods for collateralised loans, track covenants, and follow up on annual loan reviews.
• Follow sectoral concentrations and single obligor limits, and prepare monthly reports on loan status and overdrawn accounts for management.
• Ensure compliance with bank policies, regulatory requirements and best practice to minimise credit risk.
• Facilitate internal, external and central bank audits, ensure timely closure of audit findings, and assist in preparing management and board presentations (e.g. MCRC decks).
• Custodian of the credit risk register and follow up on updating the credit business continuity plan.

Required profile

• Bachelor's degree in Business, Finance, Accounting or Management.
• At least 4 years of total experience, including 1 year in monitoring and reporting and 3 years in credit.