Manager Program Lending at Equity Bank Tanzania

Location: Tanzania
Company: Equity Bank Tanzania
Department: Credit
Function Level: Manager
Reports To: Head of Credit Underwriting

Basic Purpose

The Manager – Program Lending is responsible for the design, underwriting, implementation and ongoing management of structured lending programmes that enable Equity Bank Tanzania to scale lending efficiently while maintaining appropriate credit quality and risk controls.

Main Duties and Responsibilities

• Develop and implement the Bank's Program Lending framework in alignment with the overall credit and business strategy.
• Identify scalable lending opportunities that can be delivered through standardized credit programmes.
• Translate market opportunities into structured lending propositions with clearly defined credit parameters.
• Develop programmes targeting, among others:
  • MSMEs
  • Retail customers
  • Agriculture and agribusiness
  • Value-chain businesses
  • Salaried customers
  • Women and youth enterprises
  • Supply-chain businesses
  • Strategic partnerships
  • Digital lending segments
• Assess the commercial viability and credit risk of proposed programmes.
• Prepare programme proposals for approval by the appropriate credit and management committees.
• Maintain underwriting discipline while supporting efficient turnaround times.
• Ensure programme lending does not compromise the Bank's overall credit standards.
• Monitor actual portfolio performance against model expectations and recommend adjustments where required.
• Ensure each lending programme has clearly defined risk controls.
• Provide regular programme performance reports to the Head of Credit Underwriting and relevant committees.
• Recommend tightening or relaxation of programme parameters based on actual performance.
• Recommend pricing adjustments where programme performance does not support expected returns.
• Ensure each programme has a comprehensive operating manual.
• Support the development of automated and digital lending solutions.
• Work closely with Business teams to ensure programme lending propositions are commercially viable and operationally practical.

Qualifications

• University degree in Economics, Business Administration, Finance, or a related field.

Skills and Knowledge

• Credit analysis skills.
• Strong interpersonal, communication, leadership and relationship-building skills.
• Effective communication in English, both written and spoken.
• Excellent proficiency in Microsoft Office Suite.
• Networking and market intelligence skills.
• Prior experience working with C-suite professionals and teams.

Experience

• Minimum 4-6 years' experience in Credit Analysis.

How to Apply

If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit:

• Job application cover letter.
• Detailed resume.
• Copies of relevant certificates.
• Relevant testimonials.

All documents should be submitted in a single PDF file format, quoting the respective Job Title or Reference Number in the subject field.

Application Email: [email protected]

Application Deadline: Friday, 04 September 2026

Only shortlisted candidates will be contacted.

Equal Opportunity Statement

Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.

Data Privacy

By submitting your application, you consent to Equity Bank Tanzania Limited collecting and processing your personal data strictly for recruitment, selection, and, where applicable, employment purposes.

Equity Bank Tanzania Limited will process your personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy.

Your personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation.