Micro SME Relationship Manager

Localisation

NBC, Tanzania’s longest-operating bank, brings more than fifty years of dedicated banking expertise to the market. With a diverse portfolio, we deliver comprehensive solutions spanning retail, commercial, corporate, and investment banking, alongside specialized wealth management offerings. Job Summary Responsible for fostering business expansion within the Micro, Small, and Medium Enterprises (MSME) segment in strict adherence to the Bank’s established policies, procedures, and strategic framework. Job Description Key Accountabilities: Business Growth Develop and nurture strong business connections with both current and prospective Micro-SME clients, serving as the primary point of contact for all banking needs and inquiries. Assist branch offices in pinpointing and securing new business prospects, fostering the expansion of the company’s portfolio in alignment with yearly performance objectives. Initiate and lead customer engagements, including focus groups, customer forums, and workshops, to ascertain customer needs, foster stronger relationships, enhance customer retention, and cultivate loyalty. Engage proactively with diverse stakeholders to foster the expansion of Micro-SME ventures while ensuring the Bank’s interests are effectively represented and protected. Oversee the entire sales pipeline, diligently guiding leads from initial engagement through to contract finalization, ensuring consistent advancement across all branch locations. Collaborate in the design and implementation of business operating flows, procedures, and processes to enhance operational efficiency and effectiveness. As a Support Manager for Micro-SME lending, you will be responsible for soliciting and managing guarantee funds to strengthen the security coverage of the Micro-SME loan portfolio. We assist branches with structuring credit and evaluating Micro-SME loan applications to ensure financing is approved in full compliance with the Bank’s established policies and procedures.

• Evaluate the loan portfolio to identify areas requiring attention, then propose suitable interventions to maintain performance in alignment with approved indicators and targets. Support branches in procuring deposits from Micro-SME customers to ensure achievement of Retail liability targets. Conduct a thorough evaluation of the bank’s offerings in comparison to competitors, identifying areas for enhancement and recommending strategic improvements as necessary.
• Develop and cultivate new business prospects to drive expansion of Micro-SME operations across branches. Ensure the Micro-SME loan portfolio maintains quality standards and aligns with acceptable risk thresholds through diligent monitoring. Conduct additional tasks as directed or assigned by the relevant supervisor, as necessary. Product Development Collaborate closely with the Product team to refine existing offerings and conceptualize innovative solutions tailored specifically for Micro-SME customers, while adhering to established Bank procedures for training and launch execution. Monitor efficiency and effectiveness of Micro-SME products by evaluating performance metrics and implementing corrective measures as needed. Collaborate with the Product team to assess and recommend appropriate pricing strategies for Micro-SME products, ensuring sustained competitiveness in the marketplace.

Profil recherché

• Responsible for the creation and ongoing management of a product catalogue tailored to Micro-SME enterprises. Risk Management In partnership with the Credit Unit, you will engage in the periodic assessment of Credit Policy documents, Procedure Manuals, and other relevant materials to ensure alignment with evolving market dynamics, industry standards, and regulatory requirements within the Micro-SME lending sector.
• Mitigate risk, ensure compliance, and conduct audit-related activities for Micro-SME banking operations. Ensure adherence to all Micro-SME established procedures during every business interaction and operational activity.
• Collaborate with branches to track Micro-SME portfolio performance, identifying trends and areas needing improvement, and propose or implement targeted interventions to ensure alignment with approved performance indicators and targets.
• Support branch operations in upholding adherence to loan covenant requirements. Collaborate in the formulation, refinement, and implementation of business operating flows, procedures, and processes to enhance operational efficiency and effectiveness. Education and Experience: Education required Applicants must possess a bachelor’s degree or its equivalent in Finance, Accounting, Agribusiness, Banking, Economics, Planning, or related disciplines from an accredited institution of higher education. A master’s degree or professional banking certification will further strengthen your application. Experience required With a minimum of three years of professional experience within the banking sector, candidates should bring a solid background in financial operations, customer service, or related fields to this role. Experience in providing micro and small to medium-sized enterprise (MSME) financing within a financial institution would be highly advantageous. Demonstrates a strong grasp of the microfinance lending sector, backed by a track record of successfully cultivating client relationships and delivering tailored solutions to underserved banking segments. Other Relevant Requirements Able to perform effectively under pressure, particularly in challenging and multifaceted settings, which may require travel to remote or regional locations. Demonstrates a solid grasp of microfinance offerings and solutions. A proactive and forward-thinking professional with a strong capacity for driving innovation and leading transformative initiatives.
• Demonstrates in-depth expertise in banking operations and financial markets within Tanzania.

Compétences requises

• Well-developed analytical, quantitative and problem-solving skills.
• Credit structuring and analysis skills
• Demonstrates exceptional proficiency in English and Kiswahili, with strong numerical, analytical, and report-writing capabilities.
• Demonstrates exceptional proficiency with computer applications, particularly Outlook, Word, Excel, and PowerPoint. Experienced candidates must demonstrate strong managerial and leadership abilities, including analytical thinking, conceptual vision, and resourceful problem-solving skills. Demonstrates exceptional ability to foster and maintain professional relationships with both internal team members and external stakeholders. Demonstrates strong capability in prioritizing tasks and managing workload efficiently under demanding conditions. Exhibits resilience and adaptability when navigating time-sensitive responsibilities with precision and focus. Skills required Technical skills
• Analytical skills (business & credit)
• Financial analysis
• Credit Management
• Problem-solving & decision making
• Selling and negotiation

Présentation du poste

• Written and verbal (Presentation) communication.
• Customer relationship Management
• MS Office (Excel, Word, PowerPoint) Behavioral skills
• Critical thinking perspective Demonstrates strong interpersonal skills, fostering effective teamwork and collaboration with both internal colleagues and external stakeholders. Skilled in coordinating and overseeing interactions with key stakeholders to ensure productive collaboration and alignment with project objectives.
• Leadership qualities (innovative, creative, change champion) Demonstrates strong capability to effectively prioritize and complete tasks under demanding and high-pressure conditions.
• Ability to work with minimum supervision Qualifications A bachelor’s degree in Business, Commerce, or Management Studies is required, complemented by a strong commercial mindset at a senior level—though additional growth is needed in this area. The ideal candidate demonstrates excellence in customer service delivery, possesses comprehensive digital proficiency, and exhibits effective communication skills at a foundational level. Prior experience in a comparable setting is essential, along with a willingness to adapt to change, with some capacity in this area already demonstrated but further development anticipated. A deep understanding of products and/or services is required, and while sales management experience is advantageous, it is not fully developed and would benefit from enhancement. We encourage collaboration and engagement by utilizing the social media icons provided to distribute this information across your networks. Please submit your curriculum vitae and application through the company’s official website by following the provided link. Closing Date : 10th July , 2026. Don’t miss out on the latest job opportunities in Tanzania—subscribe now to stay updated. Click here to subscribe.