Compliance Specialist

About
CHANCEN International

Headquartered in Kigali, Rwanda, and
operating in Rwanda, Kenya, South Africa, and Ghana, Chancen International has
helped over 5,000 young people access education leading to dignified work. Our
focus on marginalized populations ensures these youth gain the skills needed to
thrive and contribute to building strong economies and peaceful nations.

Job Summary

To
facilitate, monitor, and ensure that Chacen South Africa and Future of Work
Fund South Africa are conducting their operations and student financing
operations in full compliance with all national and related industry
legislation and regulations, including the National Credit Act (NCA), POPIA,
SACRRA membership regulation, and other applicable frameworks. The Compliance
Specialist leads the organisation’s risk and compliance environment by leading
the implementation of internal controls and regulatory obligations across all
functions related to credit provision, data privacy, and debt recovery.

This
role contributes to the operational protection of Chancen SA’s systems and
services by maintaining compliance registers, supporting internal reviews, and
ensuring timely reporting to regulatory bodies such as the National Credit
Regulator and TransUnion. The Compliance Specialist also supports the company
secretarial function by leading the CIPC filings and board documentation.

The
position ensures that compliance concerns are promptly documented,
investigated, and escalated where necessary. It involves reviewing existing
processes and documents to confirm adherence to legal and regulatory
requirements applicable to a student financing institution, especially in areas
related to ethical lending, anti-money laundering, and data protection. The
Compliance Specialist also leads the drafting and updating of policies,
procedures, and training materials, and contributes to promoting a strong
compliance culture within Chancen SA. The Compliance will also leads the legal
structuring and review of Income Share Agreements (ISAs), including new
financing products such as microbusiness incubation and grant-linked ISAs, to
ensure continued alignment with evolving regulatory and partnership frameworks.

Key Responsibilities

Regulatory Compliance

●      Prepare, review, and submit all NCR-mandated reports, ensuring
accuracy, consistency, and timely reporting.

●      Lead correspondence and responses to NCR compliance queries,
managing the end-to-end engagement with the regulator.

●      Conduct gap analyses against NCR feedback and implement
corrective action plans.

●      Advise senior management and the Board on compliance risks and
developments that may impact Chancen SA’s credit provider license.

●      Lead the ongoing review of the Income Share Agreements (ISAs) to
ensure compliance with regulations.

●      Ensure compliance with SACRRA rules, including data reporting,
dispute resolution, and submissions to credit bureaus.

●      Verify data accuracy submitted to TransUnion and respond to
compliance queries from credit bureaus.

●      Ensure internal policies align with relevant legislation,
especially for debt collection and consumer protection.

●      Promote a compliance culture through training and awareness
programs.

●      Archive and maintain documentation of all compliance-related
actions and correspondence.

●      Ensure compliance with broader legislation such as the Companies
Act and COIDA (Compensation for Occupational Injuries and Diseases Act).

Debt
Collection & Legal Support

●      Liaise with internal and external debt recovery agents to ensure
alignment with NCA and other applicable laws.

●      Lead the drafting of pre-legal and legal documentation (e.g.
Section 129 letters).

●      Lead legal processes by tracking cases, compiling documents, and
coordinating with legal service providers.

●      Maintain records of collection activities, legal escalations,
and communication logs.

●      Liaise (with instruction) with external legal counsel to obtain
legal opinions, manage litigation risks, and resolve legal disputes in
coordination with internal stakeholders.

●      Ensure external service providers’ processes remain compliant
with NCR and with Chancen SA’s ethical standards.

Internal
Monitoring & Reporting

●      Lead the development and management of compliance registers
(e.g. complaints log, legal notices, non-compliance incidents).

●      Support internal audits and lead risk assessments.

●      Track regulatory deadlines and support timely submissions to NCR
and other authorities.

●      Provide regular reports to senior management on compliance
activities and risk areas.

●      Escalate significant non-compliance issues directly to senior
leadership.

●      Develop dashboards and metrics for ongoing monitoring of
compliance health.

Company
Secretarial Support

●      Maintain updated CIPC records (e.g. director changes,
shareholding, annual returns).

●      Assist with SA board meeting preparation, including resolutions
and minute-taking.

●      Draft SA board resolutions and ensure governance documents are
appropriately filed and archived.

●      Maintain statutory records and manage the compliance calendar.

●      Support contract management by reviewing and tracking
institutional agreements such as MOUs, funding contracts, NDAs, and education
provider agreements to ensure legal consistency and risk mitigation.

●      Ensure all governance practices are aligned with compliance
requirements and regulatory expectations.

Policy
Development & Training

●      Lead the drafting and reviewing of internal policies (credit,
data privacy, debt collection, etc.).

●      Design and implement a compliance training program tailored for
different staff levels and lead the delivery of compliance training sessions
across departments.

Requirements

Minimum Requirements

●      Diploma or Degree in Law, Paralegal Service, or related fields.

●      4–6 years’ experience in legal, compliance, credit, or debt
collections.

●      Proven experience in preparing statutory reports and engaging
with regulators.

●      Experience advising senior leadership on compliance risks.

Benefits

●      Training, learning and development opportunities and financial
support for further education.

●       Medical insurance/aid
coverage and wellbeing initiatives.

●       A fulfilling work
environment in a supportive and entrepreneurially driven organization with
clear, frequent growth opportunities