Manager – Program Lending at Equity Bank Tanzania

Company: Equity Bank Tanzania
Job Title: Manager – Program Lending
Department: Credit
Function Level: Manager
Reports To: Head of Credit Underwriting
Employment Type: Full-time
Location: Tanzania
Posted: 26 August 2026
Application Deadline: 4 September 2026

Job Purpose

The Manager – Program Lending will be responsible for designing, underwriting, implementing, and managing structured lending programmes that enable Equity Bank Tanzania to scale its lending business while maintaining strong credit quality and appropriate risk controls.

Key Responsibilities

1. Program Lending Framework

• Develop and implement the Bank’s Program Lending framework in line with its credit and business strategies.
• Identify scalable lending opportunities suitable for standardized credit programmes.
• Translate market opportunities into structured lending propositions with clearly defined credit parameters.
• Assess the commercial viability and credit risks of proposed programmes.
• Prepare programme proposals for approval by relevant credit and management committees.

2. Lending Programme Development

Develop and manage programmes targeting areas such as:

• MSMEs
• Retail customers
• Agriculture and agribusiness
• Value-chain businesses
• Salaried customers
• Women and youth enterprises
• Supply-chain businesses
• Strategic partnerships
• Digital lending segments

3. Credit Risk & Underwriting

• Maintain strong underwriting discipline while supporting efficient turnaround times.
• Ensure programme lending meets the Bank’s overall credit standards.
• Establish clearly defined risk controls for each lending programme.
• Monitor actual portfolio performance against expected/model performance.
• Recommend tightening or relaxation of programme parameters based on portfolio performance.
• Recommend pricing adjustments where programme performance does not deliver expected returns.

4. Programme Performance & Reporting

• Monitor the performance of lending programmes.
• Analyze portfolio results and emerging credit risks.
• Provide regular programme performance reports to the Head of Credit Underwriting and relevant committees.
• Recommend adjustments to programme structures based on actual performance.

5. Programme Operations & Digital Lending

• Ensure every lending programme has a comprehensive operating manual.
• Support the development of automated and digital lending solutions.
• Work closely with Business teams to ensure lending propositions are commercially viable and operationally practical.

Qualifications

• University degree in Economics, Business Administration, Finance, or a related field.

Required Skills & Knowledge

Candidates should have:

• Strong credit analysis skills.
• Strong interpersonal and communication skills.
• Leadership and relationship-building capabilities.
• Excellent written and spoken English.
• Excellent Microsoft Office/Microsoft Suite proficiency.
• Networking and market-intelligence skills.
• Experience working with C-suite professionals and senior management teams.

Experience

• Minimum 4–6 years of experience in Credit Analysis.

How to Apply

Applicants who meet the requirements should submit the following documents in a single PDF file:

• Cover letter
• Detailed CV/resume
• Relevant academic certificates
• Testimonials

Send applications to:

TZRecruitment@equitybank.co.tz

Email Subject: Manager – Program Lending or the relevant reference number.

Application Deadline: Friday, 4 September 2026

Only shortlisted candidates will be contacted.