Job Vacancy at NBC Bank, September 2026

Relationship Manager: Micro-SME

About NBC Bank

NBC is the oldest serving bank in Tanzania, with over five decades of experience. The bank offers a range of retail, business, corporate and investment banking, wealth management products and services.

Job Summary

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 strategy.

Key Responsibilities

1. Business Growth

• Develop and maintain business relationships with existing and potential customers and act 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 business targets.
• Initiate and conduct customer engagements such as focus groups, customer forums and workshops aimed at identifying customer needs, strengthening customer relationships, retaining customers and creating customer loyalty.
• Engage with various stakeholders to ensure growth of the Micro-SME business and that the bank’s interests are properly represented and safeguarded.
• Manage sales leads through the entire funnel, ensuring consistent pipeline progression from first 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 cover 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 it performs in line with approved performance 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 in the market and advise on improvements where necessary.
• Explore, initiate and nurture emerging business leads and opportunities for growth of the Micro-SME business across branches.
• Monitor and ensure Micro-SME loan portfolio quality remains within acceptable risk levels.
• Perform other duties as directed or assigned by the supervisor.

2. Product Development

• Collaborate with the Product team to enhance and develop new products suitable for Micro-SME customers and ensure training and product launches are conducted in accordance with bank procedures.
• Monitor the efficiency and effectiveness of Micro-SME products, review performance and recommend corrective measures where necessary.
• In collaboration with the Product team, review and advise on appropriate pricing of Micro-SME products to maintain competitiveness in the market.
• Develop and maintain a product catalogue for the Micro-SME business.

3. Risk Management

• In collaboration with the Credit Unit, participate in reviewing the Credit Policy, Procedure Manual and related documents to accommodate market, industry and regulatory changes in the Micro-SME lending business.
• Address Risk, Compliance and Audit issues related to Micro-SME business within the bank.
• Ensure compliance with Micro-SME procedures across all business engagements.
• Assist branches in monitoring the performance of the Micro-SME portfolio and undertake or recommend appropriate interventions to ensure it performs in line with 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

• Bachelor’s Degree or equivalent in any of the following fields:
  • Finance
  • Accounting
  • Agribusiness
  • Banking
  • Economics
  • Planning
  • Relevant related fields
• The degree should be from a recognized higher learning institution.
• A Master’s Degree or Banking Certification will be an added advantage.

Experience

• At least 3 years of working experience in the banking industry.
• Significant understanding of Microfinance Lending business.
• Proven success in developing client relationships and delivering solutions to customers at the bottom of the banking pyramid.

Other Relevant Requirements

• Ability to work under pressure in a complex environment, including travelling to upcountry locations.
• Sound understanding of Microfinance products and services.
• Self-motivated and innovative, with 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.
• Strong computer skills, with proficiency in:
  • Microsoft Outlook
  • Microsoft Word
  • Microsoft Excel
  • Microsoft PowerPoint
• Managerial and leadership skills, including analytical and conceptual abilities and resourcefulness.
• Strong interpersonal and networking skills for both internal and external customers.
• Ability to prioritize effectively and execute tasks in a high-pressure environment.

Additional Competencies

The vacancy lists the following competencies:

• Customer Excellence – Service Delivery
• Digital Familiarity
• Effective Communication – Basic
• Experience in a Similar Environment
• Higher Diploma in Business, Commerce and Management Studies
• Openness to Change
• Product and/or Service Knowledge
• Relationship Building

The vacancy indicates that the candidate meets all requirements for Customer Excellence – Service Delivery, Digital Familiarity, Effective Communication – Basic and Product and/or Service Knowledge. It also indicates that some further development may be required in Openness to Change and Relationship Building.

Job Type

Full-time

Position Details

Position: Relationship Manager: Micro-SME
Organization: NBC Bank – National Bank of Commerce
Location: Head Office, Tanzania
Reference: R-15991280

How to Apply

Interested and qualified candidates should submit their applications through NBC’s official recruitment portal.

CLICK HERE TO APPLY