Product Analyst Officer at NCBA Bank Tanzania

Organization: NCBA
Requisition ID: 4507
Job Title: Product Analyst Officer
Posted: 05 October 2026

JOB PURPOSE STATEMENT

The Product Analyst role is responsible for designing, developing, promoting, and maintaining financial solutions and delivery channels that meet the needs of target customers/markets, at profit.

The role is central to innovation in Digital Business and is thus the steward of the department’s innovation management process. The role holder is responsible for the Digital Business market-facing product management process for the allocated portfolio.

The role holder shall research the target market segments and liaise with the Senior Manager Country IT Business Analyst to implement the defined customer value propositions that serve the needs of the target market.

This role shall be involved in the coordination of technical delivery teams and external stakeholders in implementing product roadmaps.

The Product Analyst participates in testing and is critical in accepting the solutions before they are offered to the customers.

S/He will develop technical solutions to problems and opportunities presented by the business. Functional and non-functional aspects of technical solutions should be considered when utilizing the available technology assets.

KEY ACCOUNTABILITIES, DUTIES AND RESPONSIBILITIES

Business Analysis

Weighting: 30%

Outputs

• Manage feature development end-to-end, provide guidance and feedback to project teams and ensure everyone is aligned.
• Be the voice of the customer in the product development process.
• Develop use case documentation and lo-fi mockups for proposed customer journeys.
• Collaborate with other stakeholders in:
  • Commercial
  • Collection & Recovery
  • Product
  • Operations
  • Risk
  • Finance
• Define product features and use cases in collaboration with relevant stakeholders.
• Build an effective roadmap to prioritize important features appropriately.
• Take high-level feature proposals and customer problems and break them into small iterations that engineering can work on through use case documentation and proposed customer journeys.
• Balance new features, improvements, and bug fixes to ensure a high velocity and a stable product.

Customer

Weighting: 10%

Outputs

• Work with the Senior Country IT Business Analyst to identify potential opportunity areas, determine how much impact can be made on customers, and evaluate and implement the most effective course of action.
• Run experiments and guide Commercial teams with running experiments to improve signup conversion ratios.
• Run experiments and guide Commercial teams to improve lead-to-customer conversion ratios and time-to-value for new customers.
• Run experiments and guide Operations in sending quality messages and notifications to customers at the right time.
• Run experiments and guide Design and UX Teams to remove bad friction from the user experience.
• Run experiments and lead engagements with Engineering to increase the adoption of new features being built.

Learning and Growth

Weighting: 10%

Outputs

• Drive the employee engagement initiatives within the department.
• Maintain own high performance and personal growth.
• Help the other team members to achieve their career growth plans.
• Own up-to-date and actioned competency assessments and development plans.
• Drive close collaboration amongst the staff with other members of the Department, and with other relevant stakeholders across the Group operating business entities to cultivate collective responsibility to achieve business goals.

Source Note on Weightings

The source states that the percentage weighting should add up to 100%, but the sections provided contain:

• Business Analysis: 30%
• Customer: 10%
• Learning and Growth: 10%

These add up to 50%. No additional weighted sections were included in the source provided, so none have been added.

JOB DIMENSIONS

Reporting Relationships

Jobs that report to this position directly and indirectly:

Direct Reports

• N/A

Indirect Reports

• N/A

STAKEHOLDER MANAGEMENT

Key stakeholders that the position holder will need to liaise/work with to be successful in this role include:

Internal Stakeholders

• Head, Digital Business
• In-country:
  • Commercial Lead
  • Collections & Recovery Lead
• Group:
  • Business Reporting Lead & Finance
  • Strategy Lead
  • Data Science Lead
  • Product Development Lead
  • Risk Lead
  • Operations Lead

External Stakeholders

• Customers
• Strategic Ecosystem Partners
• Suppliers
• Regulators
• Service Providers

DECISION MAKING AUTHORITY / MANDATES / CONSTRAINTS

The decisions the position holder is empowered to make include:

• Tactical: Product backlog
• Tactical: Sales pipeline conversion
• Tactical: Product growth and retention planning
• Tactical: Contractual agreements with suppliers and other third parties

WORK CYCLE AND IMPACT

Time horizon and nature of impact, including planning:

• Long-term: 2-2 Years, Build track, based on approved products
• Short-term: 6-12 Months, Validation track, based on product backlog

Source Note: The source states "Long-term - 2-2 Years". This wording has been preserved as provided rather than changing or interpreting the intended duration.

IDEAL JOB SPECIFICATIONS

Academic

• A Bachelor’s Degree in:
  • Computer Science
  • Information Technology
  • Engineering
  • Business-related field of study
• The degree should be from a recognized university.

Professional

• At least 3 years of work experience, 1 of which should have been in an analyst capacity in a similar-sized organization having led successful business and product development projects and/or initiatives.
• 1 year’s experience in digital payments and/or financial services.
• Experience in multiple functional areas, including:
  • Product management
  • Engineering
  • UX/UI
  • Sales
  • Customer support
  • Finance
  • Marketing
• Understanding of go-to-market enablers, including:
  • Credit
  • Payments
  • Loyalty
  • Subscriptions
  • Rewards
  • Other relevant enablers
• Ability to achieve strategic goals and evolve product strategy based on:
  • Research
  • Data
  • Industry trends
• Ability to work in an innovative and fast-paced environment.
• Excellent problem-solving skills.
• Excellent organizational skills.
• Excellent analytical skills.
• Ability to influence multiple stakeholders without direct authority.
• Ability to use A/B testing to inform product improvements.

IDEAL JOB COMPETENCIES

Technical Competencies

Discovery

• Skilled at qualitative customer interviewing.
• Excellent at deriving key insights and patterns from customer interviews and using that input to clarify problem statements.
• Skilled at story mapping to break epics down into smaller product features.
• Excellent at collaborating with Design on prototypes to bring potential solutions to life.

Business Skills

• Expert at business case creation.
• Capable of managing business results across a range of product domains.
• Able to manage internal partnerships and external partners to optimize growth.

Communication Skills

• Capable of representing NBV externally at:
  • Partner meetings
  • Customer meetings
• Solid presentation skills at all levels of the company.
• Appropriately influences and persuades others to a course of action.

Source Note: The source uses the abbreviation "NBV" in the statement above. It has been preserved exactly as provided.

People Management Skills

• Aligns team with larger business vision and goals.
• Able to translate and align strategy in a meaningful way for the team, building a shared understanding of team goals and targets.
• Uses situational leadership techniques to provide the appropriate level of guidance and latitude to team members.
• Adept at caring personally for team members and providing candid real-time feedback.

BEHAVIORAL COMPETENCIES

Emotional Intelligence

• Knows their own strengths and limits.
• Aware of their own emotions and the effect they have on others.
• Has self-control to keep disruptive emotions and impulses in check.

Social and Cross-cultural Awareness

Interacts with people, including:

• Colleagues
• Customers
• Stakeholders
• The public at large

The position holder should interact effectively in different social and cultural environments, showing respect and positive regard for others in an ethical and appropriate manner that is consistent with the values of the organization.

Agile

• Able to change plans, methods, opinions, or goals in light of new information, with the readiness to act on opportunities.
• Highly effective in adapting to differing environments.
• Inculcates a digital mindset in the organization.
• Institutionalizes cross-functional collaboration.
• Flattens hierarchies.
• Devolves decision-making to smaller teams.
• Builds environments that creatively partner with external companies to extend necessary capabilities.
• Encourages the generation of new ideas.
• Develops more iterative and rapid ways of doing things.
• Implements incentives and metrics to support such agility.

Self Development

• Has a strategic approach to personal and professional development.
• Actively seeks feedback from others and responds by establishing self-development goals.
• Seeks to experience a range of relevant career opportunities in the context of a long-term plan, enabling them to deliver the truly outstanding contribution required.