Manager Secure Lending at NBC Bank Tanzania

NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.

Job Summary

Manager Secured Lending is responsible for driving sustainable growth, profitability, and portfolio quality across secured lending products, including car loans, mortgages, asset financing, and treasury-backed lending. The role provides strategic leadership, sales execution oversight, and portfolio management to achieve business growth while ensuring strong credit discipline, compliance, and superior customer experience.

Job Description​

Accountability:  Strategic Leadership, Planning & Portfolio Growth (30%)

• Provide strategic direction for the secured lending portfolio by developing, implementing, and continuously refining market-led growth strategies aligned to business objectives.
• Drive sustainable portfolio growth through structured acquisition plans, targeted market penetration strategies, and tailored value propositions across key secured lending products and customer segments.
• Build and manage an end-to-end portfolio growth framework covering acquisition, retention, cross-sell, and revenue optimization to enhance market share and profitability in secured lending.
• Lead performance management through data-driven insights, dashboards, and portfolio analytics to support decision-making, identify growth opportunities, and proactively manage credit risk and performance gaps.

Accountability:  Sales Management & Execution (30%)

• Provide strong sales leadership by guiding and empowering Scheme Relationship Managers and sales teams to deliver consistent and measurable performance.
• Develop, implement, and enforce structured sales plans, productivity frameworks, and weekly activity schedules that ensure disciplined execution and alignment to segment growth priorities.
• Ensure there is high impact and positive results on the field activations, institution visits, pension funds engagements, and community outreach initiatives to accelerate acquisition of salaried employees and pensioners.
• Oversee the full sales pipeline lifecycle including lead generation, quality conversion, and activation ensuring transparent tracking, timely follow-up, and achievement of set sales targets.

Accountability:  Market Analysis & Business Insights (20%)

• Conduct market intelligence and competitor analysis to identify emerging opportunities and threats.
• Analyse customer behavior, product performance, and market trends to enhance product offerings.
• Provide recommendations on pricing, product enhancements, and sales campaigns.
• Support development of innovative secured lending solutions tailored to market needs

Accountability:  Portfolio Management & Credit Quality (10%)

• Monitor portfolio performance, including disbursements, arrears, PAR, NPLs, and recoveries.
• Ensure quality growth through adherence to credit policies and risk appetite.
• Work closely with credit and collections teams to minimize delinquency and improve portfolio health.
• Conduct regular portfolio reviews and recommend corrective actions where necessary.
• Ensure compliance with lending regulations, internal controls, and audit requirements.

Accountability:  Reporting & Governance (10%)

• Prepare and present regular business performance reports to management.
• Track and report sales performance, pipeline status, market trends, and portfolio quality metrics.
• Ensure proper documentation and compliance with regulatory and internal governance standards.
• Support audits, regulatory reviews, and risk assessments where required.

Education and Experience Required

• Bachelor’s degree in business administration, Banking, Finance, or related field.
• Minimum of 5 years’ experience of related field

Knowledge & Skills:

• Strategic Relationship Management – Strong ability to engage senior institutional leaders.
• Sales Leadership & Execution Management – Expertise in driving sales teams and productivity frameworks.
• In-depth Knowledge of Payroll Ecosystem – Understanding payroll and pension structures
• Data & Portfolio Analytics skills

Competencies:

·       Deciding and initiating action

·       Relating and networking

·       Adapting and responding to change

·       Persuading and influencing

·       Delivering Results & Meeting Customer Expectations

Qualifications

Bachelors Degree and Professional Qualifications - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets all of the requirements), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication - Basic (Meets all of the requirements), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets all of the requirements)