Senior Manager, Credit Admin, Monitoring & Portfolio Management at NCBA Bank –  Dar es Salaam November 2026

Job Overview

Key Responsibilities

1. Departmental Operations & Credit Policy Formulation

• Formulate and regularly review departmental operating procedures to enforce discipline and ensure full compliance with Credit Policy guidelines.
• Implement and control terms and conditions of approval authorities as recommended in Credit Requests (CRs).

2. Credit Monitoring & Risk Control

• Establish and analyze Management Information Systems (MIS) covering credit control, discretionary authorities, documentation exceptions, line excesses, Banking Act compliance, defaults, and expired limits.
• Monitor past-due accounts, line excesses, and potential credit downgrades, initiating timely remedial actions.
• Conduct regular reviews and follow-ups on the Credit Reference Bureau (CRB) error log to ensure full regulatory compliance.

3. Security Management & Legal Perfection

• Authorize drawdowns and disbursements contingent on security perfection or appropriate approval waivers.
• Manage bank securities by ensuring proper preparation, execution, legal compliance, and registration via external law firms.
• Direct the safe custody, lodgement, withdrawal, and release/reassignment of security documents under a dual-custody arrangement.
• Maintain an accurate, up-to-date security database adhering to Tanzanian law, Bank of Tanzania (BOT) regulations, and NCBA Bank Tanzania internal policies.

4. Team Leadership & Stakeholder Management

• Manage the Credit Risk Administration unit and provide administrative support to business lines.
• Evaluate training needs, develop programs for credit risk control staff, and organize/motivate team members to maximize productivity.
• Represent the unit in key meetings and present regular operational risk and control status reports to the Operation Risk Committee (ORC).
• Efficiently resolve internal and external customer queries within defined SLAs.

Key Performance Indicators (% Weighting)

• Internal Business Processes (40%): Adherence to credit documentation workflows, safe custody management, legal documentation follow-ups, and risk committee reporting.
• Customer Service & Operational Excellence (30%): Turnaround time (TAT) adherence as per defined SLAs, easy service access, and customer complaint reduction.
• Financial Oversight & Cost Control (20%): Adherence to operational budgets, risk/penalty mitigation, and firm control of past-due excesses.
• Learning & Growth (10%): Identification of staff competency gaps and implementation of continuous professional development.

Role Dimensions & Stakeholders

• Direct Reports: Manager – Security Documentation, Assistant Manager – Security Documentation
• Internal Stakeholders: Account Relationship Managers, Credit Analysts, Credit Operations, Recovery Department, Legal, Internal Auditors, Risk & Compliance, Group Credit Operations.
• External Stakeholders: Bank of Tanzania (BOT), External Auditors, Property Valuers, External Law Firms, System Vendors.
• Decision-Making Mandate: Operational and managerial authority guided by Credit Policy, Prudential Guidelines, and national banking legislation. Recommendations for policy/system changes submitted to Head of Credit Administration.

Candidate Qualifications & Experience

Academic & Professional Requirements

• Education: University degree in Banking, Risk Management, Risk Control, Accounting, or a related field.
• Professional Qualifications: Advocate of the High Court or CPA (T), alongside recognized credit risk or banking certifications.

Experience & Competencies

• Deep understanding of market-wide credit risks, mitigation tools, and modern risk management methodologies.
• Proven track record in credit risk administration, security documentation, and portfolio management.
• Strong leadership, negotiation, presentation, and team management capabilities.
• Solid working knowledge of Tanzanian banking laws, BOT regulations, and credit operations guidelines.

Core Behavioral Traits

• Alignment with NCBA Bank Core Values: Trust, Driven, Open, Responsive.
• High level of self-empowerment, clear communication skills, and collaborative teamwork.
• Strong analytical mindset with sound independent judgment.