Website NBC (National Bank of Commerce)
NBC (National Bank of Commerce)
NBC — Manager: Digital Lending
Job Details
Position: Manager: Digital Lending
Employer: NBC (National Bank of Commerce)
Location: Head Office NBC, Tanzania
Work Arrangement: Hybrid
Employment Type: Full-time
Job Requisition ID: R-15990768
Posted: September 7, 2026
Application Deadline: September 15, 2026
About NBC
NBC is the oldest serving bank in Tanzania, with more than five decades of experience. The bank provides retail, business, corporate and investment banking, wealth management products and services.
Job Summary
The Manager: Digital Lending will lead the end-to-end development, growth and management of NBC’s digital lending portfolio, including:
- Salary advances
- Personal digital loans
- Pre-approved credit
- Embedded lending partnerships with fintechs and ecosystem players
The role focuses on delivering instant, data-driven credit, maintaining strong portfolio quality and driving profitable growth through automated channels such as:
- Mobile banking
- Internet banking
- USSD
- APIs
- Fintech and partner platforms
Key Responsibilities
1. Digital Lending Strategy, Portfolio Growth & Revenue Delivery — 30%
- Develop and execute the bank’s digital lending growth strategy.
- Manage salary advances, personal loans, pre-approved credit and embedded lending products.
- Drive customer acquisition, activation, repeat borrowing and customer lifecycle optimization.
- Achieve targets for loan book growth, revenue, interest income and fee income.
- Identify and scale opportunities such as payroll-linked lending, behavioural scoring and pre-approved credit.
- Establish performance dashboards covering disbursements, approval rates, conversion ratios, cost-to-serve and portfolio profitability.
- Expand market share by positioning NBC as a leading provider of instant and embedded digital credit.
2. Digital Sales Execution, Product Adoption & Growth Engine — 25%
- Lead digital lending campaigns to increase uptake of salary advances and instant loans.
- Optimize customer journeys to improve conversion and approval rates.
- Reduce time-to-cash and support instant or near-instant lending.
- Work with marketing, retail and digital teams on targeted acquisition campaigns.
- Use customer segmentation and behavioural insights to improve campaign performance.
- Drive cross-selling and upselling of digital credit products.
- Monitor the complete digital lending funnel from awareness through repayment.
- Ensure correct implementation of pricing, eligibility rules and credit policies across digital channels.
3. Fintech Ecosystem Partnerships & Embedded Lending — 20%
- Develop and manage partnerships with:
- Fintech companies
- Mobile money operators
- Payroll platforms
- Aggregators
- Digital marketplaces
- Develop embedded lending models, including:
- API-based lending
- Co-lending
- Referral partnerships
- White-label credit solutions
- Negotiate commercial agreements covering revenue sharing, risk alignment and scalability.
- Integrate external platforms into NBC’s digital lending ecosystem.
- Ensure partners comply with credit risk frameworks, regulatory requirements and operational standards.
- Identify new ecosystem opportunities for expanding digital lending beyond traditional banking channels.
4. Credit Risk Management, Automation & Portfolio Quality — 15%
- Work with Credit Risk teams to develop and optimize digital credit scoring models and underwriting rules.
- Monitor portfolio indicators including:
- PAR
- NPL
- Early arrears
- Default trends
- Ensure portfolio performance remains within risk appetite.
- Implement risk mitigation measures such as limit management, behavioural triggers and early-warning systems.
- Automate credit decisioning, loan origination and disbursement processes.
- Ensure compliance with credit policies, regulatory requirements, audit standards and governance frameworks.
- Improve credit models using behavioural, transactional and alternative data.
- Provide sales teams with appropriate tools, market intelligence, training and support.
5. Customer Experience, Digital Journey & Operational Excellence — 10%
- Ensure a seamless customer experience across digital lending channels.
- Improve onboarding, application, approval and disbursement processes.
- Reduce friction and improve customer satisfaction and retention.
- Improve service quality, response times and issue resolution.
- Act as an escalation point for complex customer, partner and system-related lending issues.
- Promote a customer-first culture.
- Ensure high availability and operational stability of digital lending platforms.
Education & Experience Requirements
Education
- Bachelor’s degree in:
- Finance
- Economics
- Business
- Information Technology
- Related field
- MBA is preferred.
Professional Experience
- 5–8+ years of experience in:
- Banking
- Fintech
- Digital financial services
Required Exposure
Candidates should have strong exposure to:
- Digital lending or consumer credit
- Mobile money lending ecosystems
- Credit risk and scoring models
- Product management or portfolio management
Advantageous Experience
Experience working with:
- Fintech companies
- Telecommunications companies (telcos)
- API-driven platforms
is considered a strong advantage.
Key Competencies
The role requires competencies in:
- Business, Commerce and Management Studies
- Commercial mindset
- Customer excellence and service delivery
- Digital familiarity
- Effective communication
- Experience in a similar environment
- Product and service knowledge
- Sales management
- Portfolio management
- Digital lending
- Credit risk management
- Product adoption and growth
- Fintech partnerships
- Data-driven decision-making
- Process automation
- Customer experience
- Change management
To apply for this job please visit absa.wd3.myworkdayjobs.com.