Micro-SME Relationship Manager – NBC Bank Tanzania

About NBC Bank

NBC Bank is the oldest serving bank in Tanzania, with over five decades of banking experience. The Bank provides a comprehensive range of retail, business, corporate, investment banking, and wealth management products and services to individuals and businesses across the country.

Job Summary

The Micro-SME Relationship Officer is responsible for driving business growth within the Micro, Small and Medium Enterprises (Micro-SME) segment in line with the Bank’s policies, procedures, and strategic objectives.

The role focuses on business development, customer relationship management, portfolio growth, product development, and risk management while ensuring sustainable growth and quality of the Micro-SME portfolio.

Key Responsibilities

1. Business Growth

The successful candidate will:

Develop and maintain strong relationships with existing and prospective Micro-SME customers.
Serve as the Bank’s primary contact for Micro-SME clients.
Support branches in identifying and negotiating business opportunities to achieve annual business targets.
Organize customer engagement initiatives including:
- Customer forums
- Focus group discussions
- Workshops
Identify customer needs and strengthen customer loyalty and retention.
Engage internal and external stakeholders to promote the growth of the Micro-SME business.
Manage sales leads through the entire sales pipeline from prospecting to contract maturity.
Participate in developing business processes, procedures, and operational workflows.
Support the Manager – Micro-SME Lending in mobilizing and managing guarantee funds to strengthen loan security.
Assist branches in credit appraisal and loan structuring in accordance with Bank policies.
Review the loan portfolio and recommend corrective actions to maintain portfolio quality.
Support branches in mobilizing deposits from Micro-SME customers to achieve retail liability targets.
Benchmark the Bank’s products against competitors and recommend product improvements.
Identify and nurture emerging business opportunities across all branches.
Monitor Micro-SME loan portfolio quality and ensure it remains within acceptable risk levels.
Perform any other duties assigned by the supervisor.

2. Product Development

The officer will:

Work closely with the Product Team to improve existing Micro-SME products.
Participate in developing new products tailored to Micro-SME customer needs.
Support product launches and staff training.
Monitor product performance and recommend improvements.
Review product pricing to ensure market competitiveness.
Develop and maintain the Micro-SME product catalogue.

3. Risk Management

Responsibilities include:

Collaborate with the Credit Unit in reviewing credit policies and lending procedures.
Ensure Micro-SME lending policies reflect market, regulatory, and industry developments.
Address risk, compliance, and audit findings relating to Micro-SME business.
Ensure compliance with Bank policies during all business engagements.
Support branches in monitoring portfolio performance and recommending corrective interventions.
Assist branches in monitoring compliance with loan covenants.
Participate in improving business operating procedures and processes.

Education Requirements

Applicants must possess:

Bachelor’s Degree in one of the following fields:
- Finance
- Accounting
- Banking
- Economics
- Agribusiness
- Planning
- Business-related disciplines
- Or another relevant field from a recognized higher learning institution.

Added Advantage

Master’s Degree.
Professional Banking Certification.

Experience Requirements

Applicants should have:

Minimum 3 years of experience in the banking industry.
Experience in Micro-SME lending within a financial institution is an added advantage.
Strong understanding of Microfinance lending and serving customers at the base of the banking pyramid.
Proven ability to develop customer relationships and deliver appropriate financial solutions.

Other Requirements

The successful candidate should demonstrate:

Ability to work under pressure in a complex environment.
Willingness to travel extensively within the country.
Strong understanding of Microfinance products and services.
Self-motivation and innovation.
Ability to initiate and manage change.
Good knowledge of banking operations and Tanzania’s financial markets.
Strong analytical and quantitative skills.
Credit structuring and credit analysis skills.
Excellent report writing skills.
Excellent communication skills in English and Kiswahili.
Strong computer skills including:
- Microsoft Outlook
- Microsoft Word
- Microsoft Excel
- Microsoft PowerPoint
Leadership and managerial capabilities.
Strong interpersonal, networking, and stakeholder management skills.
Ability to prioritize and manage multiple assignments under pressure.

Technical Skills

Candidates should possess strong skills in:

Business and Credit Analysis
Financial Analysis
Credit Management
Problem Solving
Decision Making
Sales and Negotiation
Customer Relationship Management (CRM)
Business Presentation
Written and Verbal Communication
Microsoft Office Suite (Excel, Word, PowerPoint)

Behavioral Competencies

The ideal candidate should demonstrate:

Critical Thinking
Strong Interpersonal Skills
Teamwork and Collaboration
Stakeholder Management
Leadership and Innovation
Creativity and Change Management
Ability to work independently with minimal supervision
Excellent planning and organizational skills
Ability to perform effectively in a high-pressure environment

Minimum Qualifications

Bachelor’s Degree in Business, Commerce, Management, Finance, Banking, Economics, Accounting, Agribusiness, Planning, or a related field.
Relevant banking experience.
Customer service excellence.
Digital literacy.
Effective communication skills.
Product and service knowledge.
Commercial awareness.
Sales management capability.
Openness to change and continuous improvement.

Position Highlights

This role is ideal for banking professionals who are passionate about Micro, Small and Medium Enterprise (Micro-SME) banking, business development, relationship management, credit analysis, and portfolio growth. The successful candidate will play a key role in expanding NBC Bank’s Micro-SME business while maintaining portfolio quality, enhancing customer experience, and supporting the Bank’s overall business strategy.

How to Apply:

To submit your application, please follow the link provided below.

CLICK HERE TO APPLY

To apply for this job please visit absa.wd3.myworkdayjobs.com.

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