MANAGER, MICRO BANKING AND PARTNERSHIPS

Position: Manager, Micro Banking and Partnerships
• Department: MSME Banking
• Reports to: Head of MSME Banking.
• Location: Equity Bank Rwanda Plc
MANAGER, MICRO BANKING AND PARTNERSHIPS
Job Purpose
The Manager, Micro Banking & Partnerships drives financial inclusion, business growth, and profitability
within the micro and small enterprise segment. The role develops and manages strategic partnerships with
cooperatives, development organisations, fintechs, government institutions, associations, and other
ecosystem partners to expand access to appropriate financial solutions and strengthen the Bank’s outreach
within underserved and emerging business segments.
Key Responsibilities and Accountabilities
• Develop and implement microbanking and partnership initiatives aligned with the SME Banking
strategy.
• Deliver agreed annual targets for deposits, loan growth, customer acquisition, transaction volumes,
digital adoption, and non-funded income.
• Develop and execute portfolio growth strategies to achieve sustainable revenue and profitability
targets.
• Ensure proactive portfolio quality management through credit structuring and streamlined review
processes, early warning identification, collection strategies, and remedial actions.
• Drive cross-selling and up-selling of the Bank's products and services across assigned customer
segments.
• Grow and manage a profitable portfolio of micro enterprise customers.
• Identify, establish, and maintain strategic partnerships with cooperatives, NGOs, development
agencies, fintechs, government institutions, associations, and other relevant partners.
• Identify new business opportunities and design appropriate products to deliver continuous customer
acquisition targets, deposits, lending, transactions, and fee income.
• Design and implement financial solutions tailored to micro businesses, small enterprises, farmers,
cooperatives, and other targeted customer segments.
• Develop partnership frameworks, service-level agreements, and performance scorecards to ensure
effective execution and mutual value creation.
• Conduct periodic reviews of partnership performance and recommend corrective actions where
necessary.
• Monitor portfolio performance, loan repayment, portfolio quality, profitability, and risk exposure.
• Drive utilisation of the Bank’s lending, savings, payments, digital banking, and transactional
solutions.
• Drive adoption of digital financial services (DFS), including mobile banking, agency banking,
merchant payments, internet banking, and other innovative digital solutions among micro and small
enterprises.
• Collaborate with Digital Banking teams to develop and scale ecosystem-based digital solutions for
targeted segments.
• Coordinate with branches, credit, digital banking, operations, and other business units to ensure
effective delivery of micro banking solutions.
• Monitor market trends, customer needs, competitor activity, and emerging opportunities within the
micro and SME ecosystem.
• Support capacity-building initiatives for customers and partners on relevant banking products and
financial inclusion programmes.
• Provide coaching, mentoring, and performance management support to micro banking team
members to foster a high-performance and customer-centric culture.
• Prepare regular reports on portfolio performance, partnership activities, pipeline, revenue, and
impact.
• Ensure all activities comply with regulatory requirements, internal policies, credit standards, and
governance procedures.
KEY MEASURES OF SUCCESS
• Growth in Micro Banking portfolio.
• Portfolio at Risk (PAR) levels.
• Deposit mobilized.
• Number and quality of strategic partnerships established.
• New customer acquisition.
• Non-funded income growth.
• Digital banking adoption rates.
• Loan book quality and collection performance.
• Financial inclusion outreach metrics.
KEY SKILLS & ATTRIBUTES
• Strong understanding of micro banking, SME banking, and financial inclusion.
• Strong partnership development and relationship management skills.
• Excellent business development and commercial skills.
• Strong negotiation and contract management capabilities.
• Good understanding of credit assessment and portfolio management.
• Strong stakeholder engagement and networking skills.
• Excellent communication, presentation, and interpersonal skills.
• Strong analytical and performance-monitoring capabilities.
• Strategic thinking and problem-solving ability.
• Project management and organisational skills.
• Customer-centric and results-oriented approach.
• Understanding of digital banking, payments, and financial technology solutions.
• High level of integrity, professionalism, and compliance awareness.

Position: Manager, Micro Banking and Partnerships
• Department: MSME Banking
• Reports to: Head of MSME Banking.
• Location: Equity Bank Rwanda Plc
MANAGER, MICRO BANKING AND PARTNERSHIPS
Job Purpose
The Manager, Micro Banking & Partnerships drives financial inclusion, business growth, and profitability
within the micro and small enterprise segment. The role develops and manages strategic partnerships with
cooperatives, development organisations, fintechs, government institutions, associations, and other
ecosystem partners to expand access to appropriate financial solutions and strengthen the Bank’s outreach
within underserved and emerging business segments.
Key Responsibilities and Accountabilities
• Develop and implement microbanking and partnership initiatives aligned with the SME Banking
strategy.
• Deliver agreed annual targets for deposits, loan growth, customer acquisition, transaction volumes,
digital adoption, and non-funded income.
• Develop and execute portfolio growth strategies to achieve sustainable revenue and profitability
targets.
• Ensure proactive portfolio quality management through credit structuring and streamlined review
processes, early warning identification, collection strategies, and remedial actions.
• Drive cross-selling and up-selling of the Bank's products and services across assigned customer
segments.
• Grow and manage a profitable portfolio of micro enterprise customers.
• Identify, establish, and maintain strategic partnerships with cooperatives, NGOs, development
agencies, fintechs, government institutions, associations, and other relevant partners.
• Identify new business opportunities and design appropriate products to deliver continuous customer
acquisition targets, deposits, lending, transactions, and fee income.
• Design and implement financial solutions tailored to micro businesses, small enterprises, farmers,
cooperatives, and other targeted customer segments.
• Develop partnership frameworks, service-level agreements, and performance scorecards to ensure
effective execution and mutual value creation.
• Conduct periodic reviews of partnership performance and recommend corrective actions where
necessary.
• Monitor portfolio performance, loan repayment, portfolio quality, profitability, and risk exposure.
• Drive utilisation of the Bank’s lending, savings, payments, digital banking, and transactional
solutions.
• Drive adoption of digital financial services (DFS), including mobile banking, agency banking,
merchant payments, internet banking, and other innovative digital solutions among micro and small
enterprises.
• Collaborate with Digital Banking teams to develop and scale ecosystem-based digital solutions for
targeted segments.
• Coordinate with branches, credit, digital banking, operations, and other business units to ensure
effective delivery of micro banking solutions.
• Monitor market trends, customer needs, competitor activity, and emerging opportunities within the
micro and SME ecosystem.
• Support capacity-building initiatives for customers and partners on relevant banking products and
financial inclusion programmes.
• Provide coaching, mentoring, and performance management support to micro banking team
members to foster a high-performance and customer-centric culture.
• Prepare regular reports on portfolio performance, partnership activities, pipeline, revenue, and
impact.
• Ensure all activities comply with regulatory requirements, internal policies, credit standards, and
governance procedures.
KEY MEASURES OF SUCCESS
• Growth in Micro Banking portfolio.
• Portfolio at Risk (PAR) levels.
• Deposit mobilized.
• Number and quality of strategic partnerships established.
• New customer acquisition.
• Non-funded income growth.
• Digital banking adoption rates.
• Loan book quality and collection performance.
• Financial inclusion outreach metrics.
KEY SKILLS & ATTRIBUTES
• Strong understanding of micro banking, SME banking, and financial inclusion.
• Strong partnership development and relationship management skills.
• Excellent business development and commercial skills.
• Strong negotiation and contract management capabilities.
• Good understanding of credit assessment and portfolio management.
• Strong stakeholder engagement and networking skills.
• Excellent communication, presentation, and interpersonal skills.
• Strong analytical and performance-monitoring capabilities.
• Strategic thinking and problem-solving ability.
• Project management and organisational skills.
• Customer-centric and results-oriented approach.
• Understanding of digital banking, payments, and financial technology solutions.
• High level of integrity, professionalism, and compliance awareness.

Qualification, Experience, Skills, and Attributes • Bachelor’s degree in Finance, Economics, Business Administration, Accounting, Commerce, Development Studies, or a related field. • A postgraduate qualification such as an MBA, Finance, Development Economics, or a related discipline is an added advantage. • Relevant professional certifications are an added advantage. • 7–10 years of relevant experience in banking, microfinance, SME banking, or financial services. • At least 3–5 years' experience in a managerial or senior role with exposure to micro-banking, SME banking, financial inclusion, partnerships, or business development. • Demonstrated experience in managing portfolios, developing strategic partnerships, driving revenue growth, and managing credit risk.

Qualification, Experience, Skills, and Attributes • Bachelor’s degree in Finance, Economics, Business Administration, Accounting, Commerce, Development Studies, or a related field. • A postgraduate qualification such as an MBA, Finance, Development Economics, or a related discipline is an added advantage. • Relevant professional certifications are an added advantage. • 7–10 years of relevant experience in banking, microfinance, SME banking, or financial services. • At least 3–5 years' experience in a managerial or senior role with exposure to micro-banking, SME banking, financial inclusion, partnerships, or business development. • Demonstrated experience in managing portfolios, developing strategic partnerships, driving revenue growth, and managing credit risk.