Job Vacancy: Unit Head Credit

Company: KCB Bank Tanzania
Position: Unit Head Credit
Job Category: Senior Management
Employment Type: Full-Time
Location: Tanzania
Job Identification: 6335
Posted: 17th July 2026
Application Deadline: 31st July 2026

Job Summary

The Unit Head Credit will provide leadership and oversight of the credit function, ensuring effective credit risk management, compliance with lending policies, and sound portfolio performance.

The role will deputise the Head of Credit and oversee credit analysis, credit administration, approvals, reporting, stakeholder engagement, and continuous improvement of credit processes.

Key Responsibilities

Credit Risk Management & Leadership

Deputise the Head of Credit and provide leadership support to the credit function.
Champion overall credit risk management within agreed policy frameworks.
Provide effective leadership and oversight of:
- Credit analysis functions.
- Credit administration activities.
Approve credit facilities within delegated approval limits.
Ensure compliance with credit policies and regulatory requirements.
Promote proactive risk awareness and management.

Customer Experience & Service Delivery

Ensure delivery of excellent customer experience through timely credit processing.
Execute credit activities within agreed Service Level Agreements (SLAs).
Maintain efficient turnaround times for credit applications.

Credit Portfolio Management

Ensure sound portfolio performance within approved risk appetite limits.
Analyse credit risk on applications and provide appropriate recommendations or approvals.
Monitor account performance and emerging credit risks.
Track accounts in excess and provide feedback to relevant business teams.

Reporting & Stakeholder Management

Ensure accurate and timely preparation of internal and external credit reports.
Maintain continuous engagement with internal and external stakeholders.
Support effective communication between credit, business, and other departments.

Audit, Compliance & Process Improvement

Manage internal and external credit audits.
Champion timely closure of audit findings in line with agreed timelines.
Ensure lending practices comply with:
- KCB credit policies.
- Bank of Tanzania (BOT) prudential lending guidelines.
Contribute to continuous improvement of:
- Credit processes.
- Policies.
- Products.
- Knowledge-sharing initiatives.

Daily Responsibilities

Analyse credit applications and provide recommendations or approval decisions.
Ensure compliance with credit policies and regulatory requirements.
Monitor application turnaround times.
Perform daily review of disbursement reports.
Track excess accounts and provide business-level feedback.

Minimum Qualifications & Experience

Education Requirements

Required:

Bachelor’s Degree in:
- Business.
- Accounting.
- Finance.

Added Advantage:

Professional qualifications such as:
- ACIB.
- CPA.
Master’s Degree in:
- Business Administration.

Experience Requirements

Minimum 9 years of professional experience in banking, credit management, or related financial services roles.
Strong experience in:
- Credit risk management.
- Loan assessment.
- Credit portfolio monitoring.
- Banking operations.
- Regulatory compliance.

Key Skills & Competencies

Applicants should demonstrate:

Strong credit analysis and risk assessment skills.
Leadership and people management abilities.
Knowledge of banking regulations and lending practices.
Strong decision-making capabilities.
Stakeholder management skills.
Excellent reporting and analytical abilities.
Ability to manage audits and compliance requirements.

Application Details

Job Type: Full-Time
Location: Tanzania

Interested candidates should submit applications through the official KCB Bank Tanzania careers portal.

Application Deadline: 31st July 2026 at 5:00 PM

KCB Bank Tanzania
Building a stronger financial future.

How to Apply:

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

CLICK HERE TO APPLY

To apply for this job please visit eoin.fa.em3.oraclecloud.com.

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