Manager Credit Operations Unsecured Retail and Digital Products at NMB Bank Tanzania

Responsible for overseeing the end-to-end disbursement process for all unsecured and digital retail credit facilities, ensuring efficient, timely, and compliant processing in line with internal policies and external regulations

Main Responsibilities:

• Oversee all the digital product disbursements to ensure accuracy and efficiency while minimizing risks.
• Ensure loan disbursements are executed accurately and within agreed SLAs and turnaround times (TATs), without compromising risk and quality standards.
• Verify and authorize manually booked facilities, reversals, and restructured loans in the core banking system, as submitted by Business and Monitoring teams.
• Promote a culture of high ethical standards by ensuring strict adherence to the bank's values, policies, and regulatory requirements.
• Collaborate with Risk, Credit, Legal, and Compliance teams to uphold disbursement quality and ensure alignment with internal credit policies.
• Work closely with ICT, Business, and Product teams to optimize existing disbursement workflows and design new processes that enhance operational efficiency.
• Maintain strong internal controls and ensure full compliance with disbursement procedures and regulatory guidelines.
• Manage and coach disbursement officers and senior officers to improve performance, engagement, and alignment with departmental goals.
• Proactively identify and report suspicious transactions, risk events, and system-related anomalies in accordance with established procedures.
• Monitor and review team activities to ensure adherence to standard operating procedures; escalate deviations and operational challenges as necessary.
• Prepare and submit accurate team performance reports on a monthly, quarterly, and annual basis.
• Oversee the accuracy and completeness of data submitted for posting, ensuring careful review to protect the bank's interests and reputation.
• Daily review of disbursement transactions and report any system bug and wrong disbursement to ICT for quick fix.
• Collaborate with other stakeholders to review, enhance and finetuning digital products and workflow to attain high profits as well as scalability of the portfolio.
• Perform other duties as assigned by management to support broader departmental and organizational goals.

Knowledge and Skills:

• Operational understanding of the loan circle, lending policies and procedures, loan scheme, and digital products,
• Technical - Computer literacy (Excel application is crucial), Core banking system
• Behavioral - Data analysis, Time Management, Teamwork, attention to details, accuracy, result oriented, couching, leading team and adaptability.

Qualifications and Experience:

• Bachelor's degree in Banking, Finance, Accounting, Economics or related fields.
• Banking operations certification is an added advantage,
• Data science/ Analytics certification is an added advantage
• At least 4 years of banking experience, preferably in retail credit operations
• Digital loan product experience is an added advantage.
  
  NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving 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 : 08-Jun-2026

Job closing date : 08-Jun-2026