Job Vacancy at NBC Bank – Relationship Manager, Micro-SME | October 2026

Job advertisement published on 29 October 2026

Job Overview

About NBC Bank

National Bank of Commerce (NBC) is one of Tanzania’s oldest serving banks, with more than five decades of experience in the banking industry. The bank provides a range of retail, business, corporate and investment banking services, as well as wealth management products.

Job Purpose

The Relationship Manager – Micro-SME will be responsible for driving business growth within the Micro, Small and Medium Enterprises (Micro-SME) segment, in line with the Bank’s policies, procedures and strategic objectives.

Key Duties and Responsibilities

1. Business Growth

• Develop and maintain business relationships with existing and potential customers, acting as the Bank’s key contact person for Micro-SME customers.

• Assist branches in identifying and negotiating business opportunities to grow the business portfolio in line with annual targets.

• Initiate and conduct customer engagement activities, including focus groups, customer forums and workshops, to identify customer needs, strengthen relationships, improve retention and build customer loyalty.

• Engage with various stakeholders to promote Micro-SME business growth while ensuring that the Bank’s interests are properly represented and safeguarded.

• Manage sales leads throughout the entire sales funnel, ensuring consistent pipeline progression from initial contact to contract maturity across all branches.

• Participate in developing business operating flows, procedures and processes.

• Support the Manager, Micro-SME Lending, in soliciting and managing guarantee funds to enhance security coverage for the Micro-SME loan portfolio.

• Support branches in credit structuring and appraisal of Micro-SME loan applications to ensure facilities are granted in accordance with Bank policies and procedures.

• Review the loan portfolio and recommend appropriate interventions to ensure performance meets approved indicators and targets.

• Support branches in soliciting deposits from Micro-SME customers to meet retail liability targets.

• Benchmark the Bank’s products and services against competitors and recommend improvements where necessary.

• Explore, initiate and develop emerging business leads and opportunities across branches.

• Monitor the quality of the Micro-SME loan portfolio and ensure it remains within acceptable risk levels.

• Perform any other duties assigned by the supervisor.

2. Product Development

• Collaborate with the Product team to enhance existing products and develop new products that meet the needs of Micro-SME customers.

• Ensure product training and launches are conducted in accordance with Bank procedures.

• Monitor the efficiency and effectiveness of Micro-SME products, review their performance and recommend corrective measures where necessary.

• Work with the Product team to review and advise on appropriate pricing of Micro-SME products to maintain market competitiveness.

• Develop and maintain a product catalogue for the Micro-SME business segment.

3. Risk Management

• Collaborate with the Credit Unit in reviewing Credit Policies, Procedure Manuals and other relevant documents to accommodate market, industry and regulatory changes affecting Micro-SME lending.

• Address risk, compliance and audit issues relating to Micro-SME business within the Bank.

• Ensure compliance with Micro-SME procedures in all business engagements.

• Assist branches in monitoring the performance of the Micro-SME portfolio and recommend or implement appropriate interventions to achieve approved performance indicators and targets.

• Assist branches in ensuring compliance with loan covenants.

• Participate in developing business operating flows, procedures and processes.

Education and Experience Requirements

Education

• A Bachelor’s Degree or equivalent qualification in Finance, Accounting, Agribusiness, Banking, Economics, Planning or a related field from a recognised higher learning institution.

• A Master’s Degree or professional Banking Certification will be an added advantage.

Work Experience

• At least three (3) years of working experience in the banking industry.

• Experience in Micro-SME lending within a financial institution will be an added advantage.

• A strong understanding of Microfinance lending, with proven success in developing client relationships and delivering financial solutions to customers at the bottom of the banking pyramid.

Other Relevant Requirements

Applicants should demonstrate the following:

• Ability to work under pressure in a complex environment, including travelling to upcountry locations.

• Sound understanding of Microfinance products and services.

• Self-motivation, innovation and the ability to initiate and lead change.

• Excellent knowledge of banking operations and financial markets in Tanzania.

• Well-developed analytical, quantitative and problem-solving skills.

• Credit structuring and analysis skills.

• Excellent communication skills in English and Kiswahili.

• Strong numerical, analytical and report-writing skills.

• Good computer skills, with proficiency in Microsoft Outlook, Word, Excel and PowerPoint.

• Managerial and leadership skills, including analytical and conceptual thinking and resourcefulness.

• Strong interpersonal and networking skills when dealing with internal and external customers.

• Ability to prioritise effectively and execute tasks in a high-pressure environment.

Required Skills and Competencies

Technical Skills

• Business and credit analysis.

• Financial analysis.

• Credit management.

• Problem-solving and decision-making.

• Selling and negotiation.

• Written and verbal communication, including presentation skills.

• Customer relationship management.

• Microsoft Office applications, particularly Excel, Word and PowerPoint.

Behavioural Skills

• Critical thinking and sound judgement.

• Good interpersonal, teamwork and networking skills.

• Ability to organise and manage stakeholder engagements.

• Leadership qualities, including innovation, creativity and the ability to drive change.

• Ability to prioritise and execute tasks in a high-pressure environment.

• Ability to work with minimum supervision.

Additional Qualifications and Competencies

The advertised competency requirements include:

• Bachelor’s Degrees and Advanced Diplomas: Business, Commerce and Management Studies.

• Banking Knowledge: Meets all requirements.

• Commercial Mindset – Junior: Meets some requirements and requires further development.

• Customer Excellence – Service Delivery: Meets all requirements.

• Digital Familiarity: Meets all requirements.

• Experience in a Similar Environment.

• Openness to Change: Meets some requirements and requires further development.

• Product and/or Service Knowledge: Meets all requirements.

• Relationship Building: Meets some requirements and requires further development.

Application Instructions

Interested and suitably qualified candidates are invited to submit their applications through the NBC Bank online recruitment portal.

How to Apply:

1. Visit the application link below.

2. Review the job requirements and application instructions.

3. Complete the online application process and submit the required information.

How to Apply:

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

CLICK HERE TO APPLY