Credit Risk Analyst Job Vacancy in Kigali, Rwanda – Banking & Financial Services

Job Description

Position: Credit Risk Analyst

Company: I&M Bank Rwanda

Location: Kigali, Rwanda

Experience: 3-5 years in credit risk analysis within banking

Education: Bachelor’s degree in Finance, Economics, or related field

Employment Type: Full-time

Industry: Banking & Financial Services

Department: Credit Risk Management

Salary: SSP 800,000 – 1,200,000 per month

Vacancies:1

Company Overview

I&M Bank Rwanda is a leading commercial bank that has been operating in Rwanda since 2012, offering a comprehensive suite of retail, corporate, and SME banking solutions. As part of the I&M Bank Group, the institution combines regional expertise with a strong commitment to financial inclusion, digital innovation, and sustainable growth. The bank’s robust risk management framework underpins its reputation for stability and customer trust, making it an attractive employer for professionals seeking to advance their careers in a dynamic, forward‑looking environment. I&M Bank Rwanda continuously invests in talent development, technology, and community initiatives, positioning itself as a top choice for ambitious finance specialists looking for rewarding Rwanda Jobs.

Job Overview

The Credit Risk Analyst will play a pivotal role in assessing the creditworthiness of corporate and individual borrowers, supporting the bank’s strategic objective of maintaining a high‑quality loan portfolio. This position involves conducting detailed financial analyses, preparing risk assessment reports, and collaborating with relationship managers to structure appropriate credit solutions. The analyst will also monitor existing exposures, identify emerging risk trends, and contribute to the development of risk mitigation strategies. By joining I&M Bank Rwanda, you will be part of a team that drives sound credit decisions, enhances profitability, and upholds the highest standards of regulatory compliance. Visit our careers page to learn more about this exciting opportunity.

Key Responsibilities

• Perform comprehensive financial statement analysis and cash‑flow modeling for loan applicants.
• Prepare detailed credit risk assessment reports, including risk ratings and recommendation summaries.
• Collaborate with relationship managers to structure loan terms that align with risk appetite and client needs.
• Monitor and review existing loan portfolios, identifying early warning signals and recommending corrective actions.
• Assist in the development and enhancement of credit risk policies, scoring models, and underwriting guidelines.
• Stay updated on regulatory changes, market developments, and industry best practices affecting credit risk.
• Contribute to periodic risk reporting for senior management and regulatory bodies.

Required Skills

• Strong analytical abilities with proficiency in financial modeling and ratio analysis.
• Excellent written and verbal communication skills for clear risk reporting.
• Proficiency in MS Excel; experience with credit risk software (e.g., Moody’s Analytics, SAS) is a plus.
• Attention to detail and ability to work under tight deadlines.
• Solid understanding of Rwandan banking regulations and Basel III requirements.
• Team‑oriented mindset with the ability to collaborate across departments.

Education

A minimum of a Bachelor’s degree in Finance, Economics, Accounting, or a related discipline is required. Professional certifications such as CFA, FRM, or equivalent are advantageous and demonstrate a commitment to continuous learning.

Experience

Candidates should possess 3‑5 years of hands‑on experience in credit risk analysis, underwriting, or loan portfolio monitoring within a reputable banking institution. Experience in the Rwandan market or East African region is highly valued.

Salary

The compensation package ranges from SSP 800,000 to 1,200,000 per month, commensurate with experience and qualifications. Performance‑based bonuses and incentives are also part of the total rewards structure.

Benefits

• Comprehensive health insurance covering medical, dental, and vision.
• Retirement savings plan with employer contributions.
• Paid annual leave, sick leave, and public holidays.
• Professional development allowance for certifications and training.
• Employee assistance program and wellness initiatives.

Training

• On‑boarding program covering I&M Bank’s risk framework and systems.
• Continuous learning workshops on advanced credit analysis techniques.
• Access to e‑learning platforms for finance and risk management courses.
• Mentorship opportunities with senior risk officers.

Working Environment

I&M Bank Rwanda offers a modern office environment in the heart of Kigali’s financial district, equipped with state‑of‑the‑art technology and collaborative workspaces. The culture promotes innovation, integrity, and a balanced work‑life approach, encouraging employees to contribute ideas and grow professionally.

Application Process

Interested candidates should submit their updated CV and a cover letter outlining their relevant experience through the online application portal. Applications will be reviewed on a rolling basis, and shortlisted candidates will be contacted for interviews. For additional information about the recruitment timeline, please visit our partner site.

Equal Opportunity Statement

I&M Bank Rwanda is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees, regardless of gender, ethnicity, religion, disability, or sexual orientation. Our hiring practices reflect our dedication to fairness and meritocracy, ensuring that every applicant receives equal consideration.