Head of Digital Business – Retail & Digital Banking at I&M Bank Dar es salaam February 2026

Role Purpose:

The Head of Digital Business is a strategic hire responsible for driving the growth, profitability, and market leadership of the Bank’s digital business portfolio. This includes overseeing digital lending products, and end-to-end commercialization of digital solutions. This role ensures seamless customer experience, rapid innovation, and data-driven business decisions, aligning with the Bank’s digital-first agenda.

Key Responsibilities

1. Strategic Business Development/Management

• Lead Strategy Development, Execution and Commercial Growth: Develop and execute a bold roadmap for digital lending, driving revenue growth and market leadership in Tanzania’s competitive banking landscape.
• Maximize Commercial Opportunities: Identify and capitalize on untapped market segments, designing targeted payment products that meet the needs of Tanzania’s diverse customer base, from urban businesses to rural communities.
• Oversee Innovative Solutions: Direct the development and management of cutting-edge digital banking solutions.
• Strengthen Strategic Partnerships: Forge alliances with fintechs, mobile network operators, and other key players in Tanzania’s payment ecosystem to enhance service offerings and drive transaction volumes.

2. Digital Business

• Manage existing Digital lending Product to ensure suitability of the business and profitability.
• Expand Digital Lending Products: Design and manage digital lending products tailored to the needs of retail and SME customers, leveraging data analytics and innovative credit scoring models.
• Innovate in Digital Channels: Lead initiatives to improve digital payment platforms, ensuring they are user-friendly, scalable, and aligned with market trends.
• Boost Market Penetration: Drive aggressive customer acquisition and engagement strategies to increase the uptake of digital solutions.
• Enhance Customer Loyalty: Lead initiatives to improve the digital experience, ensuring accessibility, affordability, and reliability to build lasting customer trust across Tanzania.

3. Compliance & Risk Management

• Uphold Operational Excellence: Ensure all digital business operations comply with Tanzania’s regulatory standards and internal policies, maintaining trust and operational integrity.

4. Leadership & Cross-Functional Collaboration

• Team/People Leadership: Guide and inspire your team to achieve commercial targets and professional growth, fostering a culture of innovation and accountability.
• Inform Leadership Decisions: Deliver data-driven reports and forecasts to senior management, highlighting commercial performance, customer adoption metrics, and growth opportunities.
• Build Collaborative Success: Partner with IT, operations, and product teams to deliver customer-focused, commercially viable digital services that strengthen I&M Bank’s market position.

5. Performance Management & Analytics

• Define, track, and report key commercial KPIs including revenue, transaction volumes, adoption, cost-to-serve, and digital engagement.
• Leverage data insights to optimize digital product portfolios, refine go-to-market strategies, and support agile decision-making.

Qualifications & Experience:

• Bachelor’s degree in business, Finance, Computer Science, or a related field. MBA or Master’s preferred.
• Minimum of 10 years of experience driving digital business, , fintech, or financial services, with 2+ years in a senior commercial or digital leadership role.
• Proven success in launching and scaling digital lending, products.

• Key Competencies:
• Strategic commercial mindset with P&L ownership experience
• Digital product and platform leadership
• Customer-centric and data-led decision-making
• Strong partnerships and ecosystem development capability
• Deep expertise in digital lending, savings
• Agile, collaborative, and results-oriented leadership style
• High proficiency in digital financial services, emerging tech, and regulatory frameworks

ONLY SHORTLISTED CANDIDATES WILL BE CONTACTED