JOB DETAILS

Job Title

Relationship Manager – Consumer Banking

Department

Commercial

Function Level

Reports To

Senior Manager Consumer Banking

BASIC PURPOSE

The role is responsible for overseeing, managing, and monitoring relationship management within the consumer banking unit. The Relationship Manager supervises Relationship Managers and Relationship Officers to grow the consumer banking business and support the bank’s strategic objectives through the branch network.

The role also involves managing end-to-end relationships with stakeholders and branches to ensure smooth sales and customer retention. It includes designing sales action plans for consumer banking products and ensuring effective execution across the network.

MAIN DUTIES AND RESPONSIBILITIES

Drive mortgage sales to achieve targets (new-to-bank and existing customers).
Identify and acquire new-to-bank customers.
Promote mortgage products including home purchase, construction, refinancing, and equity release.
Build and maintain a strong client pipeline.
Identify customer needs, assess risk appetite, and provide suitable investment options.
Provide regular updates to clients on market changes and portfolio adjustments.
Achieve revenue targets without compromising client profitability.
Focus on client acquisition and maintain awareness of market trends and financial developments.
Conduct regular client meetings and maintain records in meeting trackers.
Promote investment ideas and stock calls effectively.
Support new client acquisition and deepen existing client relationships.
Attend post-result calls and analyst meetings for improved client servicing.
Cross-sell third-party investment products such as mutual funds, bonds, PMS, structured products, and asset products (working capital loans, term loans, etc.).
Ensure compliance with KYC and AML standards in loan portfolio management.
Maintain high-quality customer service and timely handling of queries, complaints, and correspondence.
Stay updated on bank policies, procedures, and technological changes.
Perform any other duties assigned by the line manager.

OTHER RESPONSIBILITIES

People Management Functions

Competence development
Team leadership and motivation

Customer Focus Functions

Complaint management
Timely branch support
Relationship management with employers and key decision-makers

Business Functions

Portfolio productivity and growth (deposits and lending)
Portfolio quality (PAR and NPL ratios)
Achievement of lending sales targets
Income growth (interest and non-interest income)

KNOWLEDGE, SKILLS, QUALIFICATIONS AND EXPERIENCE

Qualifications

Bachelor’s degree in Finance, Business Administration, Economics, or related field

Experience

3–5 years’ experience in banking, preferably in mortgages or lending
Strong understanding of credit analysis and retail lending
Proven sales and relationship management experience

Skills

Strong cross-selling and upselling abilities
Ability to analyze financial statements and cash flows
Knowledge of mortgage structuring and pricing
Strong communication skills (written and verbal)

APPLICATION DETAILS

Applicants should submit:

Cover letter
Detailed CV
Copies of certificates and testimonials

All documents must be submitted in one PDF file quoting the job title in the subject line.

Email: TZRecruitment@equitybank.co.tz
Deadline: 30 March 2026

IMPORTANT NOTICE

Only shortlisted candidates will be contacted.
Equity Bank is an equal opportunity employer.

The bank is committed to data privacy and will process personal information strictly for recruitment and employment purposes in accordance with applicable data protection laws.

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

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