Credit Manager, Analytics & IFRS

DCB Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to individuals, microfinance institutions, small to medium-sized businesses (MSMEs), as well as large corporate clients.

DCB Bank has a wide branch network of over 8 branches, over 1,000 DCB Wakala Agents, and over 280 Umoja switch ATMs, serving over 3 million customers across the country.

The bank invites suitably qualified candidates to fill the position of Credit Manager, Analytics & IFRS.

The successful candidate will be responsible for ensuring accurate and timely Expected Credit Loss (ECL) computation, portfolio monitoring, credit risk analytics, and full compliance with Bank of Tanzania (BoT) credit-related regulations.

KEY RESPONSIBILITIES

1. Lead the end-to-end IFRS 9 impairment process for the bank, including data extraction, model runs, staging, overlays, and journal postings.
2. Ensure accurate computation of ECL for all portfolios (Retail, SME, Corporate, staff loans, off-balance sheet exposures) and periodic ECL reporting to Finance and external auditors.
3. Maintain and update IFRS 9 models, assumptions, and macroeconomic overlays in line with regulatory requirements and best practices.
4. Oversee portfolio performance monitoring, including NPL movements, trends, transitions, and risk migration.
5. Establish Early Warning Indicators (EWI) and analytics on arrears, account utilization, behavioral trends, and delinquency patterns.
6. Monitor covenant adherence for all credit customers and escalate breaches promptly.
7. Provide insights on sectoral distribution, concentration risk, and portfolio quality against approved limits.
8. Ensure full compliance with BoT credit-related regulations, guidelines, and circulars.
9. Coordinate and review all regulatory credit reports, including CRB reports, sectoral exposure reporting, and statutory returns.
10. Develop and maintain Management Information System (MIS) reports for credit performance, ECL analytics, and regulatory metrics.
11. Supervise and train credit and risk teams on IFRS 9 concepts, analytics, and regulatory expectations.
12. Provide strategic insight to senior management to support credit policy decisions and portfolio strategies.

QUALIFICATIONS AND EXPERIENCE

• Bachelor's Degree in Finance, Accounting, Economics, Statistics, Actuarial Science, Data Analytics, Mathematics, or a related quantitative discipline from a recognized institution.
• 3 years' experience in IFRS 9 impairment modelling and reporting, risk analytics, portfolio monitoring, or regulatory reporting within a bank or financial institution.
• Strong understanding of Bank of Tanzania (BoT) credit regulations, prudential guidelines, and reporting requirements.

HOW TO APPLY

Interested and qualified candidates should submit their applications with the following documents:

1. A detailed CV.
2. Photocopies of academic certificates.
3. Names of three referees and their contact details.

Applications must quote the following reference number in the email:

Reference Number: DCB-CR-CRM/IFRS-11/2026

Application Email: [email protected]

Application Deadline: 23rd November 2026.

IMPORTANT APPLICATION INFORMATION

• Applications must be submitted through the stated email address.
• Hard-copy applications will not be accepted.