Senior Officer – Card Operations at Equity Bank Tanzania – September 2026

Job Details

Company: Equity Bank Tanzania
Job Title: Senior Officer – Card Operations
Reports To: Manager – Digital Operations
Function Level: Senior Officer
Date: July 2026
Version: 1
Application Deadline: 5th August 2026

Basic Purpose

The Senior Officer – Card Operations is responsible for managing end-to-end card operations, ensuring efficient card issuance, lifecycle management, system reliability, and high-quality customer service while maintaining compliance with card scheme and regulatory requirements.

Main Duties and Responsibilities

1. Oversee the full card lifecycle, including issuance, activation, renewal, replacement, blocking, and closure processes, ensuring timely and accurate execution.
2. Ensure all card requests are processed within defined Service Level Agreements (SLAs), minimizing delays and enhancing customer experience.
3. Monitor card system performance and availability, ensuring minimal downtime and prompt resolution of system issues in collaboration with IT.
4. Investigate and resolve card-related issues, including failed transactions, declined transactions, and customer complaints.
5. Ensure compliance with card scheme regulations, including Visa and Mastercard requirements, internal policies, and regulatory requirements.
6. Monitor card transaction performance, identifying trends, anomalies, and potential fraud indicators.
7. Drive implementation of digital card solutions, including instant issuance and virtual cards, to enhance customer convenience.
8. Maintain accurate records, logs, and audit trails for all card operations activities.
9. Collaborate with Risk and Fraud teams to strengthen controls and reduce card-related risks.
10. Identify process gaps and implement improvements to enhance operational efficiency and reduce errors.

Knowledge, Skills and Experience

• Strong knowledge of card operations and lifecycle management.
• Understanding of card scheme rules and transaction flows.
• Strong problem-solving and analytical skills.

Education

• Bachelor’s Degree in Business, Finance, Banking, or a related field.

Work Experience

• Minimum of 5 years of relevant experience.

Key Performance Indicators (KPIs)

1. Card Issuance Turnaround Time (TAT)

• Percentage of card requests processed within SLA timelines.
• Target: ≥ 95%

2. Card Activation Rate

• Percentage of issued cards activated within 7 days.
• Target: ≥ 90%

3. Card Processing Accuracy

• Percentage of card transactions/processes completed without errors.
• Target: ≥ 99%

4. System Uptime

• Availability of card systems and platforms.
• Target: ≥ 99%

5. Customer Complaint Reduction

• Percentage reduction in card-related complaints year-on-year.
• Target: ≥ 20%

6. Compliance Adherence

• Percentage adherence to card scheme rules and regulatory requirements.
• Target: 100%

7. Incident Resolution Turnaround Time

• Percentage of card-related issues resolved within SLA.
• Target: ≥ 95%

8. Productivity

• Number of card requests handled per officer compared with the benchmark.
• Target: ≥ 100%

How to Apply

If you believe you can clearly demonstrate your abilities to meet the criteria above, submit your application containing:

• Application cover letter
• Detailed CV/resume
• Copies of relevant certificates and testimonials

All documents should be submitted as a single PDF file.

Applicants should quote the respective job title or reference number in the email subject field.

Email: TZRecruitment@equitybank.co.tz

Application Deadline: 5th August 2026

Only shortlisted candidates will be contacted.

Equal Opportunity and Data Privacy

Equity Bank is an equal opportunity employer. The Bank values the diversity of individuals, ideas, perspectives, insights, and values that they bring to the workplace.

By submitting an application, candidates consent to Equity Bank Tanzania Limited collecting and processing their personal data strictly for recruitment, selection, and, where applicable, employment purposes.

Equity Bank Tanzania Limited will process personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy.

Personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation.