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Market Intelligence, Research and Development Lead
NBC is the oldest serving bank in Tanzania with over
five decades of experience. We offer a range of retail, business,
corporate and investment banking, wealth management products and
services.
Job Summary
Key
responsibilities for this role will be on research & development,
economic intelligence and forecast, market dynamics, consumer behaviour,
time to market, products efficiency, and process optimization. This
role will drive NBC Bank’s research and development agenda by providing
deep market insights, monitoring economics & competitive dynamics,
understanding customer insights & behaviour, and identifying
emerging trends that influence product design, operational efficiency,
and strategic decision-making.
This
role will lead transformation initiatives to streamline processes,
accelerate time-to-market, optimize products, and enhance customer
experience, ensuring the bank remains competitive, agile, and
customer-centric.
Job Description
Market Intelligence & Research
- Lead end to end market intelligence, including industry scanning, competitive analysis, regulatory trends, and macroeconomic monitoring.
- Conduct research on consumer behaviours, customer needs, and emerging market expectations.
- Identify strategic opportunities, threats, and unmet customer needs to inform business strategy.
- Produce insights and reports that support senior leadership decision making.
- Evaluate
external trends such as fintech innovations, payments evolution,
digital banking practices, and global banking benchmarks.
- Drive NBC’s Research and Development agenda by exploring new technologies, business models, and product opportunities.
- Partner with product teams to validate ideas using market research, customer insights, and competitive benchmarking.
- Develop business cases, concept notes, and feasibility assessments for new product or process initiatives.
- Facilitate experimentation, prototype testing, and pilot implementation of new concepts.
- Conduct customer segmentation, journey analysis, and experience research to uncover friction points and improvement opportunities.
- Develop customer personas, needs analysis, and behavioural insights to influence product roadmaps.
- Track customer sentiment, usage patterns, and product performance to advise on optimizations.
- Lead transformation initiatives that simplify processes, reduce operational inefficiencies, and improve turnaround times.
- Apply different methodologies to propose lightweight, efficient, customer-centric processes that improve TAT and overall business output.
- Collaborate with Operations, Technology, and Business Units to smoothen processes and improve service delivery.
- Assess and optimize time to market for new products, ensuring speed, agility, and compliance.
- Work with Product Teams to ensure alignment between market needs, customer expectations, regulatory shifts, and product offerings.
- Evaluate product performance and recommend improvements or repositioning strategies.
- Support the development of pricing strategies, value propositions, and go to market frameworks.
- Present research outcomes, transformation recommendations, and strategic insights in clear, actionable formats.
Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Management information systems (Meets all of the requirements), Openness to change (Meets some of the requirements and would need further development), Personal mastery (Meets all of the requirements), Reasoning (Meets all of the requirements)
About the job
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SME Credit Analyst
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
To perform and manage all activities in a way that strict adherence to approved Credit and Provisioning Policy as well as the approved standard credit processes and procedures are maintained:
A credit profession acting as credit expert to the relationship team and the conduit to the credit risk function for sanctioning purpose
Responsible for developing practical and appropriate credit solutions(i.e Lending structures through understanding of customer's needs)
Delivering high quality and consistent credit applications/recommendations.
Monitor and control all SME accounts portfolio.
Maintain data integrity in the Credit Lens and ensuring financial information are updated on regular basis
Job Description
Key Accountabilities
Accountability: -50%
Analysis, evaluation, and recommendation of credit applications.
Outputs To Deliver This Accountability:
Preparation of credit applications for recommendations to the sanctioners.
Ensures that all credit applications are assessed within the agreed SLA time.
Ensuring that his/her assessment and recommendations of credit applications comply with requirements as per approved credit and provisioning policy.
Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate
Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.
Accountability: -15%
Filing information into customer information credit monitoring files without fail.
Outputs To Deliver This Accountability:
Ensure that all registers are marked appropriately and kept up to date.
Ensure that all appropriate records are filed in an acceptable way. Files are appropriately stored.
Accountability: -35%
Monitoring performance of clients’ accounts and where necessary propose remedial measures.
Outputs To Deliver This Accountability:
Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners deteriorating trends and trigger events if they give cause of concern advising the Relationship Manager simultaneously
Ensures that appropriate excesses are diarized, and new excess returns filed accordingly.
Check on daily risk reports and work on exceptions and/or irregular behavior.
Provide specific instructions to RM and escalate any issue that will need other stakeholders’ attention.
Ensure all facilities are timely reviewed.
Perform other duties as reasonably assigned.
Essential
Education and Experience Required
B-degree/Advance Diploma/Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Admiration or any other related field
Outstanding knowledge of Business and Commercial banking products and services
At least 3 years of proven experience in Credit Analyst role at junior management level gained within the bank or at other financial institutions
Excellent understanding of credit and associated risks
Experienced user of Credit Lens or similar system to analyze, monitor and report on the credit applications
Good skills that have been proven in a Business or credit environment at Management level.
People Management.
Preferred
The ACIB professional qualification or equivalent
Accreditation in the use of Credit Lens would be an added advantage
Knowledge & Skills:
Internal instruction/procedures including Head office instructions, Credit lens
Products and services frequently used by customers
Knowledge of Credit Lens
Detailed knowledge of credit techniques
Qualifications
Bachelor's Degree - Business, Commerce and Management Studies, Credit Risk (Meets some of the requirements and would need further development), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)
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