Credit Manager, Analytics & IFRS at DCB Bank Tanzania

DCB Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to Individuals, Microfinance, Small to Medium sized Businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 8 branches, over 1000 DCB Wakala Agents, and over 280 Umoja switch ATMs serving over 3 million customers across the country.

ROLE SUMMARY

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.

RESPONSIBILITIES

• Leading the end-to-end IFRS 9 impairment process for the bank, including data extraction, model runs, staging, overlays, and journal postings.
• Ensuring accurate computation of ECL for all portfolios including Retail, SME, Corporate, staff loans, and off-balance sheet exposures, and providing periodic ECL reporting to finance and external auditors.
• Maintaining and updating IFRS 9 models, assumptions, and macroeconomic overlays in line with regulatory requirements and best practices.
• Overseeing portfolio performance monitoring, including NPL movements, trends, transitions, and risk migration.
• Establishing Early Warning Indicators (EWI) and analytics on arrears and restructured loans to support proactive risk management.
• Ensuring the bank's credit risk reporting is in full compliance with BoT credit-related regulations, guidelines, and circulars.
• Coordinating and reviewing all regulatory credit reports including CRB reports, sectoral exposure reporting, and statutory returns.
• Developing and maintaining Management Information System (MIS) reports for credit performance, ECL analytics, and regulatory metrics.
• Supervising and training credit and risk teams on IFRS 9 concepts, analytics, and regulatory expectations.
• Providing strategic insight to senior management to support credit policy decisions and portfolio strategies.

QUALIFICATIONS AND EXPERIENCE

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

APPLICATION DETAILS

• Submission: Submit a detailed CV, photocopies of academic certificates, and names of three referees with their contacts.
• Reference Number: Quote reference number DCB-CR-CRM/IFRS-12/2025 in the email subject.
• Email Address: [email protected]
• Deadline: 8th January 2026.
• Note: Hard copy applications will not be accepted.