Relationship Manager – Islamic Banking (SME)

Organization

National Bank of Commerce (NBC)

NBC is the oldest serving bank in Tanzania with over five decades of experience, offering retail, business, corporate and investment banking, as well as wealth management products and services.

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Position Details

Item	Details
Position	Relationship Manager – Islamic Banking (SME)
Location	Head Office, Tanzania
Employment Type	Full-Time
Application Deadline	8 July 2026
Job Requisition ID	R-15987153

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Job Summary

The Relationship Manager – Islamic Banking (SME) is responsible for driving the growth of NBC’s Islamic Banking portfolio by acquiring new customers, strengthening business relationships, and growing both financing (assets) and deposits (liabilities) in full compliance with Shari’ah principles.

The role serves as the primary commercial interface between NBC and Islamic Banking customers while promoting the Bank’s Lariba Islamic Banking Proposition across Retail and SME Banking segments.

When delegated or in the absence of the Head of Islamic Banking, the incumbent will assume day-to-day leadership responsibilities for the Islamic Banking team, ensuring continuity of business growth, customer service excellence, and Shari’ah compliance.

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Key Responsibilities

1. Business Development & Customer Acquisition (35%)

Portfolio Growth

• Develop and execute business development plans with monthly acquisition targets.
• Acquire new Islamic Banking customers across:
  • Retail Banking
  • SMEs
  • Institutions
• Expand market penetration and grow the Islamic Banking portfolio.

Deposit Mobilization

Promote and grow:

• Lariba Savings Accounts
• Lariba Current Accounts
• Lariba Investment Accounts

while achieving quarterly liability growth targets.

Islamic Financing

Originate and structure Shari’ah-compliant financing solutions including:

• Murabaha
• Ijarah
• Musharaka
• Mudaraba
• Wakala

in collaboration with the Credit Unit.

Market Development

• Identify untapped customer segments and geographic opportunities.
• Recommend product and pricing improvements.
• Represent NBC at:
  • Islamic finance forums
  • Community events
  • Business exhibitions
  • Trade forums

Leadership Support

• Lead customer meetings and negotiations when acting on behalf of the Head of Islamic Banking.
• Ensure business opportunities are effectively pursued and converted.

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2. Customer Relationship Management & Retention (25%)

Portfolio Management

• Maintain an active portfolio of Islamic Banking clients.
• Conduct regular customer review meetings.
• Monitor account renewals and financing requirements.

Customer Service

• Act as the main contact point for escalated customer issues.
• Resolve complaints within agreed service standards.
• Ensure high levels of customer satisfaction.

Relationship Deepening

• Profile customer needs.
• Cross-sell appropriate Islamic Banking products and services.
• Increase customer wallet share and retention.

Customer Retention

• Monitor customer attrition.
• Implement proactive retention strategies for at-risk customers.

Service Coordination

• Work closely with branch teams to ensure consistent customer service across all touchpoints.

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3. Performance Monitoring & Reporting (15%)

Business Reporting

Prepare weekly and monthly reports covering:

• New customer acquisitions
• Deposit growth
• Financing portfolio performance
• Revenue generation
• Portfolio delinquency

Performance Analysis

• Review branch Islamic Banking performance.
• Identify business gaps and opportunities.
• Recommend corrective actions.

Portfolio Quality Management

• Monitor financing portfolio delinquency levels.
• Coordinate remedial actions with:
  • Branch Managers
  • Credit Unit
  • Collection Teams

Market Intelligence

• Analyze competitor activities.
• Monitor Islamic Banking trends.
• Provide strategic recommendations to management.

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4. Branch Capacity Building & Team Enablement (10%)

Training & Coaching

• Organize product training sessions for branch staff.
• Facilitate sales capability workshops.
• Strengthen branch-level Islamic Banking knowledge.

Business Support

• Assist branches in implementing Islamic Banking business plans.
• Conduct joint customer visits and coaching sessions.

Subject Matter Expertise

Serve as the internal expert on:

• Lariba products
• Islamic contracts
• Customer engagement practices
• Shari’ah-compliant banking operations

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5. Shari’ah Compliance & Risk Management (10%)

Compliance Management

• Ensure all transactions comply with approved Shari’ah principles.
• Maintain adherence to:
  • Approved Fatwas
  • Shari’ah Advisory Council (SAC) decisions
  • Internal Islamic Banking policies

Risk Identification

• Identify and escalate Shari’ah compliance risks.
• Support implementation of corrective actions.

Audit Support

• Provide documentation during:
  • Internal audits
  • External audits
  • Shari’ah reviews

Governance Support

• Assist with implementation of SAC decisions.
• Maintain Shari’ah governance documentation.

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Educational Qualifications

Essential

Bachelor’s Degree in:

• Islamic Banking and Finance
• Business Administration
• Economics
• Accounting
• Marketing
• Related Discipline

Added Advantage

• Master’s Degree in a business-related field.
• Professional qualifications in Banking, Finance, or Accounting.

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Experience Requirements

Essential

• Minimum 5 years of experience in:
  • Islamic Banking
  • Commercial Banking
  • Financial Services

Required Experience

• Business development and customer acquisition.
• Sales and portfolio growth.
• Islamic Banking product management.
• Relationship management.

Islamic Finance Expertise

Practical experience with:

• Murabaha
• Ijarah
• Musharaka
• Mudaraba
• Wakala

and their operational application.

Compliance Experience

• Shari’ah risk identification.
• Shari’ah review and audit processes.

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Preferred Qualifications

Professional certifications such as:

• CIPA (Certified Islamic Professional Accountant)
• AAOIFI Certifications
• IFQ (Islamic Finance Qualification)
• Equivalent Islamic Banking Certifications

Additional advantage:

• Experience in an Islamic Banking window or dedicated Islamic Banking unit.
• Familiarity with Bank of Tanzania Islamic Banking regulations.

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Required Knowledge & Skills

Islamic Banking Expertise

• Strong understanding of Islamic finance principles.
• Knowledge of Shari’ah-compliant banking products.
• Ability to structure Islamic financing solutions.

Sales & Business Development

• Prospecting and lead generation.
• Negotiation and closing skills.
• Pipeline management.
• Achievement of business targets.

Credit & Risk Management

• Credit assessment principles.
• Portfolio quality monitoring.
• Early warning indicators.
• Risk mitigation techniques.

Customer Relationship Management

• Portfolio management.
• Customer retention.
• Cross-selling and upselling.
• Stakeholder engagement.

Analytical Skills

• Performance reporting.
• Business analysis.
• Data interpretation.
• Strategic decision support.

Communication Skills

• Strong presentation skills.
• Report writing abilities.
• Stakeholder engagement.
• Public speaking and networking.

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Core Competencies

Competency	Requirement
Entrepreneurial & Commercial Thinking	Strong
Deciding & Initiating Action	Strong
Relating & Networking	Strong
Persuading & Influencing	Strong
Adapting & Responding to Change	Strong
Learning & Researching	Strong
Creating & Innovating	Strong
Customer Excellence	Meets Requirements
Banking Knowledge	Meets Requirements
Digital Familiarity	Meets Requirements
Relationship Building	Requires Further Development
Commercial Mindset	Requires Further Development

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Ideal Candidate Profile

The ideal candidate is a commercially driven Islamic Banking professional with strong expertise in Shari’ah-compliant financial products, customer acquisition, SME relationship management, and business development. They should possess excellent networking, negotiation, and portfolio management skills while maintaining a deep commitment to Shari’ah compliance and customer service excellence.

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