Manager, Remedial Management – NCBA Bank

Employer: NCBA Group Plc
Job Type: Full-time
Location: Tanzania
Posted: August 2026

Job Purpose

The Manager, Remedial Management will be responsible for monitoring the bank’s loan portfolio, identifying credit-risk concerns, analysing portfolio trends, and recommending appropriate remedial actions.

The role focuses on managing sub-performing and non-performing loans, including loan workout, restructuring, rescheduling, rehabilitation, enforcement, collateral realization, and other loan remediation strategies.

Key Responsibilities

1. Financial Management – 40%

• Maintain loan book quality within prescribed provision/impairment and PAR levels.
• Work with business teams to recover watch-listed accounts.
• Ensure effective loan remediation processes in accordance with the bank’s credit policies.
• Develop and recommend loan workout strategies that reduce credit risk and maximize returns.

2. Customer Management – 20%

• Handle customer queries and complaints professionally and within agreed SLAs.
• Review repayment challenges and recommend appropriate solutions.
• Prepare accurate and timely reports on portfolio performance and high-risk accounts.
• Identify market conditions and trends that could affect the bank’s loan portfolio.
• Support Business and Credit Analysis teams with relevant portfolio information.

3. Internal Business Processes – 25%

• Ensure credit files for defaulted accounts are complete and updated.
• Conduct scheduled site visits to assess businesses and collateral.
• Coordinate delivery of demand notices where required.
• Organize and coordinate weekly portfolio review meetings.
• Recommend loan rescheduling and restructuring, including revised repayment terms.
• Work closely with Business, Credit Analysis, Credit Approvals and Credit Operations teams to resolve problematic loans.
• Maintain complete and secure documentation for all facilities under loan remediation.
• Participate in relevant committees, including:
  • Management Credit Committee
  • Recovery Subcommittee
  • Weekly Remedial Portfolio Review meetings
• Maintain up-to-date loan remediation policies, guidelines and operating procedures.
• Develop reporting systems for monitoring remedial portfolio activities.
• Support branch capacity building through training and guidance on remediation and recovery.
• Recommend underperforming facilities to the Manager, Recoveries for further collection and recovery action.
• Work with Internal Audit and Compliance on relevant compliance matters.
• Identify opportunities to improve remedial processes and respond to emerging credit-risk trends.
• Perform other duties assigned by the Head of Remedial and Recoveries.

4. Learning & Growth – 15%

• Set and achieve personal development goals.
• Monitor team performance through regular reviews.
• Ensure at least 50 hours of learning/training annually for self and direct reports through internal, external and e-learning programmes.
• Support continuous branch training on loan remediation and recovery practices.

Academic Qualifications

• Bachelor’s degree (Honours) from a recognized university.

Professional Training

Candidates should have training or professional development in:

• Lending
• Debt Collection
• Credit Monitoring

Required Experience

• At least 5 years of banking experience in credit.
• At least 3 years of experience in one or more of:
  • Collections and recovery
  • Portfolio analysis
  • Credit risk management
• Knowledge of legal, regulatory and compliance requirements, particularly in supervising and managing foreclosure processes.

Key Skills & Competencies

The role requires strong capability in:

• Credit risk management
• Loan portfolio analysis
• Debt collection and recovery
• Loan restructuring and rescheduling
• Loan workout strategies
• Credit monitoring
• Collateral management
• Foreclosure processes
• Financial and portfolio reporting
• Regulatory and compliance matters
• Stakeholder management
• Team leadership and staff development
• Analytical and problem-solving skills

Application

Interested candidates should apply through the NCBA careers portal using the application link provided in the original vacancy.

CLICK HERE TO APPLY