Website NCBA Bank
NCBA Bank
Portfolio analyst – portfolio recovery (digital business)
Job overview
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Job title: Portfolio analyst
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Reports to: Manager, collections and recovery
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Unit: Portfolio recovery
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Department: Digital business
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Grade: Band 3
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Date: January 2026
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Supervisor: Fredrick Limbeghala
Job purpose
The portfolio analyst is responsible for maximizing collection and recovery of the digital business loan portfolio through effective management of internal and external channels. The role focuses on active portfolio performance management by reviewing, compiling, and analyzing monthly portfolio reports, identifying data patterns and trends, interpreting insights, and highlighting credit risk concerns for management action.
The role requires experience in market research, credit risk underwriting process design, and assessment techniques within a highly digital and data-driven environment. Working closely with the portfolio and recovery manager, the analyst supports decision-making that optimizes credit risk margins.
The position ensures full compliance with:
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Credit policy
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Banking Act
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BOT prudential guidelines
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Credit reference bureau (CRB) regulations
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Cooperation agreements and all applicable laws, regulations, and guidelines governing the business
Key accountabilities and responsibilities
Credit risk (50%)
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Maintain the loan portfolio within set non-performing loan (NPL) and collection targets.
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Prepare and recommend strategies and reports to ensure portfolio quality aligns with KPI targets.
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Monitor total loan portfolio performance and escalate problem accounts to management in line with credit policy, processes, procedures, and SLAs.
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Prepare portfolio performance reports showing trends for management, board credit committees, and the Central Bank of Tanzania (BOT).
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Allocate and coordinate collection team activities in collaboration with outsourced service provider team leaders.
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Recommend actions to maximize collection, recovery, and service delivery, including timely data submission and coordination with CRBs to improve repayments.
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Evaluate and manage assigned credit portfolio quality using in-depth quantitative and qualitative analysis across consumer and merchant lending products.
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Assess risk, identify opportunities, and refine credit policies and processes using analytics.
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Ensure consistent adherence to credit portfolio risk compliance systems, including policies, processes, and tools, to drive efficiency and cost containment.
Customer and business support (30%)
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Support new business initiatives through data analytics by developing and proposing credit risk strategies that optimize growth and profitability within the approved risk appetite.
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Monitor service quality of outsourced providers by evaluating KPIs against SLAs, including quality assurance metrics.
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Perform ad-hoc creation and maintenance of underwriting and portfolio-related reports.
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Manage risk to ensure satisfactory audit, risk, and compliance ratings for portfolio performance.
Learning and growth (20%)
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Drive employee engagement initiatives within the department.
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Maintain high personal performance and continuous professional development.
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Support team members in achieving their career growth plans.
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Maintain up-to-date competency assessments and actionable development plans.
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Promote close collaboration within the department and across group operating entities to achieve shared business goals.
Job dimensions
Reporting relationships
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Direct reports: None
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Indirect reports: None
Stakeholder management
Internal stakeholders
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In-country commercial lead
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Product operations lead
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Collection and recovery lead
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Group audit
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Enterprise risk and credit risk management
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Finance
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Data science
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Technology
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Delivery management
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Operations teams
External stakeholders
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Customers
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Strategic ecosystem partners
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Suppliers
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Regulators
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External auditors
Decision-making authority
The role carries tactical-level decision-making responsibility, including:
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Coordinating target setting and SLA management for service providers
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Identifying and recommending loan accounts for early intervention and escalation
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Supporting collection and recovery strategy planning
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Risk classification to ensure compliance with credit policy and regulatory prudential guidelines
Work cycle and impact
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Long-term (1–2 years):
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Design, recommend, and implement collection and recovery strategies to achieve portfolio KPIs
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Short-term (6–12 months):
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Monitor portfolio performance and prepare MIS reports for management and regulatory purposes based on predefined thresholds
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Ideal job specifications
Academic qualifications
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Bachelor’s degree in actuarial science, statistics, economics, finance, or business administration
Professional experience and skills
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Minimum of 2 years’ banking experience, with at least 6 months in credit management, portfolio analysis, portfolio management, or reporting within a highly automated environment
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Proficiency in data analytics and practical use of MIS, BI tools, MS Office applications, and statistical programming languages such as SQL, R, or Python
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Strong financial modeling, analytical, and problem-solving skills with emphasis on data science and risk management
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Excellent written and verbal communication skills, with strong interpersonal ability to manage internal and external stakeholder expectations
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Decisive, solution-focused mindset with strong attention to detail and accuracy when analyzing large volumes of data
Ideal job competencies
Technical competencies
Risk assessment and identification
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Ability to derive insights and patterns from stakeholder interviews
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Strong skills in identifying gaps and translating them into measurable key risk indicators (KRIs)
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Solid understanding of financial sector risk management guidelines and current banking and fintech practices
Risk management design
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Strong capability in identifying risk points within product and process flow design
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Deep familiarity with digital banking products and related business processes
Business skills
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Ability to analyze financial scorecards, tax returns, bank statements, financial statements, and credit reports
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Apply business and economic principles to evaluate and advise management on financial risks
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Manage internal and external partnerships to optimize cost of risk
Behavioural competencies
Emotional intelligence
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Strong self-awareness, emotional regulation, and ability to manage personal impact on others
Social and cross-cultural awareness
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Ability to work respectfully and ethically across diverse social and cultural environments in line with organizational values
Agility
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Flexibility to adapt plans, methods, and priorities in response to new information
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Supports enterprise transformation through appropriate incentives and metrics
Self-development
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Strategic approach to personal and professional growth
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Actively seeks feedback and translates it into clear development goals
How to Apply:
To submit your application, please follow the link provided below.
To apply for this job please visit ncbagroup.co.tz.