Job Title: Relationship Manager – Business

Job Grade: B/C2
Reports to: Business Growth & Development Manager

Basic Purpose

Provide a supervisory role to staff members working under the branch business development unit. The Relationship Manager – Business Development is responsible for coordinating unit activities by leading the team on sales and business development initiatives that ensure growth of the customer base, CASA and term deposits, high-quality loan portfolio (NPL), improvement of loan portfolio performance (PAR 30% and PAR 90%), growth of Non-Funded Income (NFIs), cross-selling of bank products, and maintaining strong client relationships in line with KPIs.

Main Duties and Responsibilities

Identify and negotiate business opportunities to grow branch business in line with annual targets and Bank strategy.
Develop and implement an annual business plan and sales strategy aligned with branch and Bank objectives.
Ensure growth of CASA deposits, contributing at least 70% of total branch deposits.
Ensure growth of a quality loan portfolio across customer segments and business sectors, generating profit in line with targets.
Ensure growth of the customer base and active account utilization.
Recruit Equity Agents and Super Agents in line with branch targets and transaction growth.
Recruit merchants and monitor POS performance to achieve unit targets.
Ensure customers are onboarded onto ABC platforms to increase transactions, reduce branch traffic, and grow NFIs.
Drive growth of NFIs through cross-selling trade finance, transactional banking, insurance, and other income-generating products.
Cross-sell bank products and increase product usage to at least eight (8) products per customer.
Reduce dormant accounts to a maximum of 15% of total branch customers.
Manage and enhance existing business relationships to ensure customer retention.
Review own and team loan portfolios and recommend corrective actions to meet performance indicators.
Liaise with stakeholders including clients, government institutions, and financial institutions to safeguard the Bank’s interests.
Supervise, guide, and mentor Relationship Officers to ensure quality onboarding and adherence to Bank policies, KYC, and AML requirements.
Conduct client engagement activities to build confidence, loyalty, and retention.
Provide timely reports, recommendations, and feedback to management on business performance.
Coordinate with the Commercial Department and Head Office stakeholders.
Advise the Business Growth & Development Manager on branch growth and people management matters.
Participate in branch budgeting and annual planning.
Perform any other duties assigned by the Business Growth & Development Manager.
Collect and prepare market intelligence on corporate and retail products to support business growth.

Knowledge, Skills, and Experience

Skills

Strong understanding of the Bank’s product offerings including syndication, co-financing, club deals, correspondent banking, letters of credit, factoring, forfaiting, structured trade finance, carbon financing, corporate finance risk participation, and project finance.
Knowledge of structured trade finance models and credit risk mitigation.
Ability to work in culturally diverse and change-oriented environments.
Excellent written and verbal communication skills in English.
Knowledge of additional Bank working languages is an advantage.
Proven experience in marketing trade and project finance products.
Willingness to travel extensively and work extended hours when required.

Work Experience

Minimum of three (3) years’ banking experience with exposure to trade finance, project finance, export development, and asset financing.
Proven track record in portfolio management, business development, and client acquisition.

Education

Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
Professional certifications (e.g., Certified Financial Planner, Credit Analyst) are an added advantage.
Formal credit training is highly valued.

Regulatory Knowledge

Strong understanding of banking regulations, compliance standards, and risk management.
Familiarity with KYC, AML, and credit policies.

Application Instructions

Interested candidates should submit a cover letter, detailed CV, and copies of relevant certificates and testimonials in one PDF file, quoting the job title or reference number in the subject line, to:

TZRecruitment@equitybank.co.tz

Deadline: Tuesday, 24 February 2026

Only shortlisted candidates will be contacted.

Equity Bank is an equal opportunity employer and values diversity and inclusion.

By submitting an application, candidates consent to the collection and processing of personal data in accordance with the Data Protection and Privacy Act, Cap 97, and Equity Bank Tanzania Limited’s Data Privacy Policy.

To apply for this job email your details to TZRecruitment@equitybank.co.tz

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