Micro, Small and Medium Enterprises (MSME) Manager at ASA International (Rwanda) Plc
Micro, Small and Medium Enterprises (MSME) Manager at ASA International (Rwanda) Plc
Organization: ASA International (Rwanda) Plc
Position: Micro, Small and Medium Enterprises (MSME) Manager
Number of Positions: 1
Location: Kigali, Rwanda
Employment Type: Full-time (Open-Ended Contract)
Reporting to: Chief Commercial Officer (CCO)
Expected Start Date: 20 July 2026
Application Deadline: 03 July 2026 – 5:00 PM
About ASA International (Rwanda) Plc
ASA International (Rwanda) Plc is a licensed deposit-taking microfinance institution regulated by the National Bank of Rwanda (BNR). Established in Rwanda in 2014 and operational since 2016, ASA Rwanda provides loans and savings services through a network of 37 branches across the country.
The company is a subsidiary of ASA International, one of the world's leading international microfinance institutions listed on the London Stock Exchange, with operations in 13 countries across Africa and Asia.
ASA Rwanda is committed to promoting financial inclusion and improving the livelihoods of low-income entrepreneurs, with a special focus on women-owned businesses.
Our Vision
To reduce poverty by improving the lives of underserved communities, with a key focus on women entrepreneurs.
Our Mission
To promote financial inclusion and socio-economic development through accessible and responsible financial services.
Job Summary
ASA International (Rwanda) Plc is seeking a highly motivated and experienced Micro, Small and Medium Enterprises (MSME) Manager to lead the development and growth of its MSME portfolio.
The successful candidate will drive customer acquisition, portfolio growth, credit quality, financial literacy initiatives, and business development while strengthening relationships with MSME clients and supporting women entrepreneurs across Rwanda.
Key Responsibilities
1. Business Development & Portfolio Growth
- Develop and implement strategies to grow the MSME customer base.
- Promote financial services including loans, savings, insurance, and digital banking solutions.
- Mobilize deposits and build a profitable, diversified, and high-quality MSME portfolio.
- Identify eligible Small Business Loan (SBL) customers and support their migration into the MSME portfolio.
- Build and maintain strong relationships with customers, merchants, and business partners.
- Conduct regular market visits to identify business opportunities and strengthen customer engagement.
2. Credit Management & Portfolio Quality
- Conduct business assessments, financial analysis, and credit appraisals.
- Process loan applications in line with approved credit policies.
- Monitor loan utilization and repayment performance.
- Proactively manage Portfolio at Risk (PAR) and reduce non-performing loans.
- Support loan recovery activities in collaboration with the Recovery Team.
3. Financial Literacy & Capacity Building
- Organize financial literacy training, business clinics, and customer engagement workshops.
- Strengthen MSME clients' business management, financial planning, record-keeping, and responsible borrowing practices.
- Train lending staff on MSME lending methodologies, portfolio management, and financial inclusion.
- Promote the use of digital financial services, including mobile banking and digital payment platforms.
4. Performance Monitoring & Reporting
- Prepare accurate portfolio performance reports for management.
- Monitor key performance indicators including customer acquisition, portfolio growth, deposits, collections, and portfolio quality.
- Track MSME portfolio development and identify emerging business opportunities.
- Analyze portfolio trends and recommend corrective actions where necessary.
- Escalate operational risks and provide recommendations to improve business performance.
Qualifications & Experience
Applicants should possess:
- 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 are an added advantage.
- Certification in MSME Banking, Financial Inclusion, Women's Banking, or Credit Analysis is desirable.
- Minimum of 4 years of experience in banking, microfinance, SME/MSME lending, or business banking.
- At least 2 years of supervisory experience.
- Proven experience in MSME customer acquisition, relationship management, and portfolio growth.
- Strong experience in credit appraisal, financial analysis, loan processing, and portfolio management.
- Experience in deposit mobilization, loan recovery, and financial literacy programs will be an added advantage.
Core Competencies
The ideal candidate should demonstrate:
- Strong knowledge of MSME lending methodologies and credit risk management.
- Sound understanding of banking regulations and financial inclusion principles.
- Ability to analyze financial statements, business performance, and cash flows.
- Excellent business development, negotiation, and relationship management skills.
- Strong communication, presentation, and stakeholder engagement abilities.
- Excellent analytical, problem-solving, and decision-making skills.
- Proficiency in Microsoft Office applications and banking management systems.
Job Location
Kigali, Rwanda
How to Apply
Interested and qualified candidates should submit:
- Updated Curriculum Vitae (CV)
- Cover Letter
Email: asarecruitment@asarwanda.rw
Subject Line: MSME Manager
Application Deadline: 03 July 2026 at 5:00 PM
Only shortlisted candidates will be contacted for further assessment. Applicants who do not receive feedback within two weeks after the application deadline should consider their applications unsuccessful.
Equal Opportunity Employer
ASA International (Rwanda) Plc is an equal opportunity employer committed to diversity, inclusion, and creating a supportive work environment. Qualified candidates from all backgrounds are encouraged to apply.
Signed
Christian Salifou
Chief Executive Officer
ASA International (Rwanda) Plc
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