Manager Credit Operations Unsecured Retail and Digital Products at NMB Bank Tanzania

Responsabilités

Responsible for overseeing the end-to-end disbursement process for all unsecured and digital retail credit facilities, ensuring efficient, timely, and compliant processing in line with internal policies and external regulations Main Responsibilities: – Oversee all the digital product disbursements to ensure accuracy and efficiency while minimizing risks. – Ensure loan disbursements are executed accurately and within agreed SLAs and turnaround times (TATs), without compromising risk and quality standards. – Verify and authorize manually booked facilities, reversals, and restructured loans in the core banking system, as submitted by Business and Monitoring teams. – Promote a culture of high ethical standards by ensuring strict adherence to the bank’s values, policies, and regulatory requirements. – Collaborate with Risk, Credit, Legal, and Compliance teams to uphold disbursement quality and ensure alignment with internal credit policies. – Work closely with ICT, Business, and Product teams to optimize existing disbursement workflows and design new processes that enhance operational efficiency. – Maintain strong internal controls and ensure full compliance with disbursement procedures and regulatory guidelines. – Manage and coach disbursement officers and senior officers to improve performance, engagement, and alignment with departmental goals. – Proactively identify and report suspicious transactions, risk events, and system-related anomalies in accordance with established procedures. – Monitor and review team activities to ensure adherence to standard operating procedures; escalate deviations and operational challenges as necessary. – Prepare and submit accurate team performance reports on a monthly, quarterly, and annual basis. – Oversee the accuracy and completeness of data submitted for posting, ensuring careful review to protect the bank’s interests and reputation. – Daily review of disbursement transactions and report any system bug and wrong disbursement to ICT for quick fix. – Collaborate with other stakeholders to review, enhance and finetuning digital products and workflow to attain high profits as well as scalability of the portfolio. – Perform other duties as assigned by management to support broader departmental and organizational goals. Knowledge and Skills: – Operational understanding of the loan circle, lending policies and procedures, loan scheme, and digital products, – Technical – Computer literacy (Excel application is crucial), Core banking system – Behavioral – Data analysis, Time Management, Teamwork, attention to details, accuracy, result oriented, couching, leading team and adaptability. Qualifications and Experience: – Bachelor’s degree in Banking, Finance, Accounting, Economics or related fields. – Banking operations certification is an added advantage, – Data science/ Analytics certification is an added advantage – At least 4 years of banking experience, preferably in retail credit operations – Digital loan product experience is an added advantage. NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving gender balanced workforce. Female candidates and people living with disabilities are strongly encouraged

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