Credit Risk Manager – Equity Bank Tanzania (March 2026)
Department: Branch Credit Function level: B/C2 Reports to: Business Growth Development Manager (Branch Manager)
Basic Purpose Maximizing the bank’s risk adjusted return by assisting to limit its credit risk exposure to within acceptable parameters. This is done by Identifying, measuring, and communicating the credit risk profile of the branch from a second line perspective, monitoring, measuring and reporting about the efficacy of the bank’s credit risk controls, conducting periodic monitoring of credit related activities and proposing enhancements where required.
Main Duties and Responsibilities
Providing timely identification and reporting of significant risks and losses and effectiveness of risk mitigation actions.
Partnering with the rest of Credit Department functions on credit risk matters to ensure business growth is balanced with risk management and control.
Appraisal of credit facilities for all business branch originating segments namely Personal Banking, Business and Corporate Banking loans while ensuring absolute data integrity since the data captured form strong basis for portfolio and financial performance analysis. Additionally, carry out query management related to credit facilities data input in liaison with relevant partners.
As part of the credit committee of the branch, participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.
Analyze delinquent accounts and prepare reports on highest risk accounts including recommendations for resolution.
Check for credit viability on requests for extended terms, and evaluate various adjustments or exception documents.
Act as a permanent security vault custodian, undertakes proper filing for credit documentation team and coordinates archival and retrieval of documents from the Bank’s Archive.
Ensure protection of assets pledged as collateral for facilities by regular update/review/renewal of pertinent insurance policies.
Support the loan remediation team to maintain bad debt and bad debt recovery exposures to within acceptable risk appetite levels.
Conduct periodic stress tests and scenario analysis, assessing the impact to the Bank’s credit portfolio and make appropriate recommendations to senior management for appropriate action.
Work closely with the Credit recovery Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.
Support the loan remediation team, in negotiating and work out plans and strategies for delinquent customers.
Review and analyze the delinquent portfolio to identify key causal factors and lessons, make recommendations to senior management for approval and track them to ensure adequate and timely closure.
Support the loan remediation team with respect to exposures requiring collection agency or legal action and coordinate collections with third party contractors.
Monitor violations of credit policies, provide analysis, conclusion and recommendations, present findings to senior management and suggest actions/penalties to be taken when appropriate.
Provide advice to all stakeholders in the Bank with respect to credit risk management policies, practices and standards.
Prepare timely, comprehensive and reliable credit risk reports to senior management and board on a monthly and quarterly basis for the benefit of senior management and the board with Senior Manager review and sign-off.
Attend Bank meetings both internal external from time to time as may be requested by the supervisor.
Ensures that there are no losses on income streams by accurately collecting facility fees, commissions and other charges as per approval as contained in the system.
Ensure the quality of credit documentation, specifically facility offer letters in line with the approved credit application, credit policies and procedures, prudential guidelines and other relevant legislation.
Updates requisite registers in relation to security documents received or released and sharing the same with business units on periodic basis.
Perform any other duties as assigned by your supervisor.
Knowledge, Skills, Qualification and Experience Academic Qualifications
Bachelor’s Degree or equivalent in one of the following fields: Finance, Banking, Accounting, Economics, Business Administration.
Professional Experience
3–5 years banking experience, with at least 2 years in credit analysis or credit risk or Lending Relationship Management.
Experience in Credit appraisal and financial analysis.
SME and corporate lending.
Loan structuring.
Credit monitoring and portfolio management. Typical background roles: Credit Analyst, Relationship Manager (Corporate/SME), Credit Officer, Risk Analyst.
Technical Skills
Credit Analysis.
Financial statement analysis.
Cash flow analysis.
Debt service capacity assessment.
Industry and market risk assessment.
Risk Assessment.
Loan documentation review.
Regulatory and Policy Knowledge i.e. Strong understanding of: Central bank prudential regulations (e.g., Bank of Tanzania guidelines), Credit risk management frameworks, Loan classification and provisioning rules, AML / KYC requirement.
Credit committee presentation.
Problem loan management.
Decision-making under risk.
How to Apply If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to TZRecruitment@equitybank.co.tz by Wednesday 18th March 2026. Only short-listed candidates will be contacted.
Relationship Supervisor – Customer Experience – Equity Bank Tanzania (March 2026)
Department: Operations Function level: B/C2 Reports to: Relationship Manager – Operations & Customer Experience
Basic Purpose To serve as the branch-level owner of Customer Experience governance, onboarding quality, complaint management, and service performance control, ensuring full compliance with regulatory requirements and internal service standards while driving measurable improvements in branch experience.
Main Duties and Responsibilities
Customer Onboarding Governance
Supervise onboarding desk to ensure compliance with KYC and account opening procedures.
Ensure 100% completeness and accuracy of account documentation.
Ensure adherence to internal controls and regulatory standards.
Maintain proper custody and filing of onboarding documents.
Monitor onboarding turnaround times.
Ensure all necessary stationery is available for customers’ use and is neatly displayed in the branch.
Floor management.
Complaint & Regulatory Compliance Control
Ensure all walk-in complaints are logged into CRM same day and assigned reference number.
Ensure complaints provided via complaints register are logged on to CRM and the register is updated timely.
Ensure that the bank’s image is always positively maintained through efficient customer service and enhanced relationships with customers (e.g., treating and responding to customers well).
Compile daily and weekly reports on emerging issues/challenges experienced by both customers and staff around the branch and present them to the immediate supervisor.
Service Performance Monitoring
Monitor branch waiting time and service turnaround performance.
Track branch-level customer experience KPIs.
Present weekly service performance summary to branch leadership.
Identify systemic service gaps and coordinate corrective action.
Customer Flow & Experience Environment
Oversee customer flow coordination to minimize waiting time.
Ensure service environment supports efficient and orderly customer experience.
Feedback & Experience Analytics
Ensure customer feedback channels are operational.
Conduct monthly complaint and feedback trend analysis.
Identify top 3 recurring drivers and implement preventive action and share feedback to HQ.
Share insights with branch leadership and Customer Experience.
Training & Capability Development
Conduct periodic service excellence refresh sessions.
Reinforce complaint handling standards and regulatory awareness.
Support product knowledge refreshers in coordination with relevant departments.
Digitization & Dormancy
Promote digital adoption for branch customers.
Support reactivation of inactive and dormant accounts in coordination with operations.
Monitor progress of branch digitization campaigns.
CRM Governance
Ensure 100% CRM utilization for complaints and service interactions.
Monitor CRM closure timelines and prevent overdue cases.
Validate accuracy of complaint categorization.
Escalate systemic data integrity issues.
Branch Look and Feel
Ensure the banking halls are neat and tidy always.
Ensure all registers, files and all documents are kept meticulously and in accordance to the bank’s procedure.
Knowledge, Skills, Qualification and Experience Education
Bachelor’s Degree from an accredited institution in any related field of study required.
Work Experience
Minimum of 2–4 years’ experience in branch banking operations, customer service, or relationship management.
Knowledge
Knowledge of Financial Consumer Protection Regulations and complaint handling frameworks is required.
Experience in onboarding, KYC processes, and regulatory compliance within banking environment.
Good knowledge of banking products and services (accounts, deposits, loans, digital banking).
Awareness of customer satisfaction metrics (NPS, CSAT, turnaround time).
Basic understanding of risk management and operational controls within the banking environment.
Skills Requirements
Strong customer service skills with the ability to build and maintain positive customer relationships.
Ability to analyze customer feedback and identify service gaps or improvement opportunities.
Skilled in handling customer complaints, queries, and escalations professionally.
Proficiency in using CRM systems, digital banking platforms, and service tracking tools.
How to Apply If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to TZRecruitment@equitybank.co.tz by Wednesday 18th March 2026. Only short-listed candidates will be contacted.
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