Senior Manager Groups and Digital Loans at NMB Bank Tanzania

To lead the strategy, growth, and performance of group accounts and digital lending products across the retail banking ecosystem. The role owns the end-to-end lifecycle of group accounts and micro loans.

Main Responsibilities:

• Develop and execute the strategy, roadmap, and annual business plan for groups and digital loans in line with objectives.
• Design and enhance group account and digital micro loan products.
• Drive growth in customer acquisition, activation, repeat usage, portfolio penetration, and retention across targeted customer segments.
• Define and refine pricing, eligibility rules, repayment structures, and customer journeys to balance customer value, accessibility, and portfolio profitability.
• Develop and optimize scorecards, segmentation models, decisioning logic, and line management strategies using customer, transaction, and behavioral data.
• Lead initiatives to improve responsible lending, affordability assessment, customer education, financial wellness outcomes, and fair treatment of customers.
• Monitor product and portfolio performance using commercial, risk, and operational KPIs, and take timely corrective action to improve growth, quality, and profitability.
• Drive collections and recoveries strategies in collaboration with internal and external partners to contain delinquency, minimize write-offs, and improve cash recoveries.
• Prepare business cases, forecasts, management reports, and portfolio reviews with actionable recommendations for senior leadership.
• Ensure compliance with internal policies, credit risk standards, regulatory requirements, and audit expectations across all products and partnerships.
• Lead, coach, and develop a high-performing team, while fostering strong cross-functional collaboration and execution discipline.

Knowledge and Skills:

• Knowledge of applicable regulations relating to digital lending, savings, consumer protection, KYC, AML, and financial services operations.
• Strategic thinking and commercial acumen
• Strong understanding of digital credit and savings ecosystems
• Portfolio analytics and financial modeling
• Credit risk and collections management
• Customer-centric product design
• Partnership and stakeholder management
• Data-driven decision-making
• Execution discipline and results orientation
• Leadership and team development
• Regulatory and compliance awareness
• Strong communication and presentation skills

Qualifications and Experience:

• Bachelor's degree in Finance, Economics, Business, Banking, Statistics, Actuarial Science, Information Systems, or related field.
• Master's degree or relevant professional qualification is an added advantage.
• At least 5 years of relevant experience in digital financial services, mobile money, banking, fintech, lending, savings, or portfolio management.
• Proven experience in digital credit, credit portfolio management, savings products, product management, or financial services business leadership.
• Strong understanding of lending economics, portfolio management, collections, credit risk, pricing, financial analysis, and banking performance drivers.
• Experience working with cross-functional teams across product, risk, data analytics, technology, operations, finance, legal, compliance, and commercial functions.
• Demonstrated success in strategy development, product growth, portfolio optimization, stakeholder management, and execution at scale.
• Strong analytical and quantitative skills, with the ability to interpret portfolio trends and translate insights into commercial and risk actions.
  
  
  NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.
  Female candidates and people living with disabilities are strongly encouraged to apply for this position.
  
  NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.
  
  Only shortlisted candidates will be contacted.

Job opening date : 20-May-2026

Job closing date : 03-Jun-2026