Job Position at AEC Rwanda Trustee Company Ltd: Junior Investment Officer – Kigali

About the Company

AEC Rwanda Trustee Company Ltd (AEC RT) provides low-cost loans up to 50M Rwf to entrepreneurs in Rwanda. With flexible loan terms, our financing seeks to create a positive social impact for entrepreneurs and their communities. AEC RT was founded in 2014 as a sister company of Inkomoko, the Rwandan affiliate of the African Entrepreneur Collective (AEC), and is regulated by the Central Bank of Rwanda as a non-deposit taking financial institution (NDFI). In 2021, AEC RT provided more than $2M in financing to 1500 entrepreneurs, 70% of whom are refugees.

AEC Rwanda Trustee has 13 staff in Rwanda, with most working out of Inkomoko’s headquarters office, and we are growing by +20 staff in 2022 to provide more than 2,000 loans across Rwanda.

Company Values

We have a diverse staff, who all embody the company’s culture. In addition to the skills above, all candidates must demonstrate our core values:

  • Purpose: be solutions-oriented and produce high-quality work and be a global leader.
  • Achievement: Showing up over and over again to get the work done right.
  • Improvement: Be humble and committed to continuous learning and growing. Improve through giving and receiving open and accurate feedback
  • Bravery: willing to take risks and create a safe space for others. Be compassionate and inclusive.
  • Turikumwe/Tuko Pamoja/Abren Nen/Waliin Jirra/We are Together:  We appreciate our colleagues, celebrate success, and support each other in hard times.

About the Opportunity

AEC Rwanda Trustee’s Junior Investment Officer is responsible for the items below:


AEC Rwanda Trustee’s Junior Investment Officer is responsible for the items below:


  • Respond to inquiries from prospective borrowers; support them to apply for our loan products.
  • Introduce the loan products to entrepreneurs, explaining the requirements for repayment and the seriousness of taking on debt financing.
  • Train saving group on financial literacy and investments readiness
  • Form new ideas stage and starts up into groups and recommend them to investment officers for due diligence
  • Conduct due diligence on prospective borrowers, including site visits, document preparation, coordination with the Business Development Associate, etc.
  • Communicate all materials to the Senior Loan Officer, and assist in preparing credit reports for Investment Committee meetings.
  • Take photos of entrepreneurs, have them sign photo waivers.


  • Offer excellent customer service through daily conversations, correspondence, and site visits as needed to maintain strong positive relationships with borrowers.
  • Work with Inkomoko to ensure borrower success, and Visit clients for monitoring.
  • Track information about borrowers and communicate effectively with key stakeholders about client status.
  • Coordinate with investment officer in recovery of loans in arrears.
  • Actively participate as a key staff in the weekly Portfolio Review Meeting.
  • Maintain a tracking system of borrower payments and contact information.
  • Interact with government leaders, court systems and others for follow up on lack of payments.
  • Ensure that we are adhering to the requirements of Central bank and our Kiva partnership, including reporting and journaling.
  • Other duties as assigned by supervisor.

Minimum Qualifications

Investment officer will be a trusted partner of AEC Rwanda Trustee clients, and basic qualifications include:

  • A University degree in Finance or other related field
  • Must speak fluent English, French, and Kinyarwanda
  • Experience in group savings and group lending is strongly preferred
  • Experience in group lending products developments
  • Experience in loan management, microfinance, capital leases, and access to finance for Micro businesses and SMEs is STRONGLY preferred
  • Prior experience dealing with customers/debt in a lending environment
  • Experience providing business advice to entrepreneurs
  • Prior experience in Loan management system software
  • Decisive individuals with ability to deliver unpleasant messages to the debtors and assertive enough to get the debtors pay off the entire debt
  • Experience in managing difficult clients and reaching positive outcomes
  • Very strong attention to details and good follow through
  • Comfort with the civil court system, and previous experience in litigation preferred
  • Unrelenting perseverance, personal integrity, and critical thinking skills
  • At least 2 years of work experience in relevant or applicable field
  • Must be able to legally work in Rwanda.

What You’ll Get

  • Fun, collaborative work environment
  • Opportunity to work with a talented, passionate, and committed team of professionals
  • Challenging work and the opportunity to grow and develop your skills
  • Ability to make a significant social impact and contribute to economic growth
  • Competitive benefits package – health insurance, staff savings program, parental leave, sabbatical program, and more.


Compensation includes salary and potential KPI-based bonus, healthcare, retirement benefits, flexible annual leave, possible travel in East Africa, professional development opportunities, and the chance to connect with colleagues across East Africa in a supportive and inclusive environment. In addition, this role is a tremendous opportunity to work in a high-growth, mission-driven organization.

Should you wish to apply for this position; please submit your cover letter stating why you would be the best for this role and your CV. Only shortlisted candidates will be contacted.

AEC is an affirmative action/equal opportunity employer.  Refugees, women, and persons who reflect the diverse communities we serve are strongly encouraged to apply.  As a company we have policies in place that promote diversity, equity and inclusion at all levels of the company.

NB: We do not employ staff whose background is not suitable. All employment is conditional upon the successful completion of all applicable background checks.


Leave a Reply

Your email address will not be published. Required fields are marked *