Credit risk manager, retail banking
2025-05-28T08:04:07+00:00
DCB Commercial Bank
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https://www.dcb.co.tz/
FULL_TIME
Dar es Salaam
Dar es Salaam
00000
Tanzania
Banking
Accounting & Finance
2025-06-10T17:00:00+00:00
Tanzania
8
DCB Commercial Bank Plc is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to Individuals, Microfinance, Small to Medium sized Businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 9 branches, over 700 DCB Wakala Agents, and over 280 Umoja switch ATMs serving over 3 million customers across the country. We are currently seeking qualified candidate to fill the role of Credit Risk Manager, Retail Banking. This role is responsible for credit-risk stewardship for the Bank’s Personal & Micro-Retail portfolio—including unsecured salary-deduction loans, secured personal loans and group-based loan offerings including other products related to personal banking and Micro – Lending.
Responsibilities:
- Setting and enforcing product-specific credit parameters for personal banking, microcredit and micro-finance loans.
- Leading credit assessment of new employer/scheme agreements and ad-hoc product changes, presenting risk opinions to Credit Committee.
- Approving/declining individual applications within delegated authority; escalate above-limit exposures with clear recommendations.
- Ensuring adherence to the bank’s policies and procedures in the appraisal of salaried loans.
- Verifying and ensure compliance with regulatory requirements in all loan appraisal activities.
- Overseeing proper administration of all loans within the system, validating accurate loan details.
- Reviewing accounts qualifying for write-offs and restructuring, recommend for approval.
- Monitoring the micro-credit and micro-finance portfolio and ensure that payments are received timely, and there is no portfolio deterioration.
- Reconciling files from scheme companies and treasury before uploading.
- Preparing detailed uploads and reports on a weekly, monthly, and quarterly basis.
- Reviewing the loan portfolio, checking for exceptions in disbursed accounts against product parameters.
- Monitoring loans with longer tenors, interest rates, and loan amounts against agreed terms and conditions.
Qualifications and Experience:
- Bachelor’s degree in finance, accounting, economics, business or related field. Master’s degree will be an added advantage.
- Excellent analytical, communication and interpersonal skills.
- Meticulous, with ability to work independently and make decision under pressure.
- 5–8 years of experience in credit risk assessment, financial analysis, portfolio management, loan structuring and restructuring, and regulatory compliance.
- Proven experience in managing teams.
Setting and enforcing product-specific credit parameters for personal banking, microcredit and micro-finance loans. Leading credit assessment of new employer/scheme agreements and ad-hoc product changes, presenting risk opinions to Credit Committee. Approving/declining individual applications within delegated authority; escalate above-limit exposures with clear recommendations. Ensuring adherence to the bank’s policies and procedures in the appraisal of salaried loans. Verifying and ensure compliance with regulatory requirements in all loan appraisal activities. Overseeing proper administration of all loans within the system, validating accurate loan details. Reviewing accounts qualifying for write-offs and restructuring, recommend for approval. Monitoring the micro-credit and micro-finance portfolio and ensure that payments are received timely, and there is no portfolio deterioration. Reconciling files from scheme companies and treasury before uploading. Preparing detailed uploads and reports on a weekly, monthly, and quarterly basis. Reviewing the loan portfolio, checking for exceptions in disbursed accounts against product parameters. Monitoring loans with longer tenors, interest rates, and loan amounts against agreed terms and conditions.
Bachelor’s degree in finance, accounting, economics, business or related field. Master’s degree will be an added advantage. Excellent analytical, communication and interpersonal skills. Meticulous, with ability to work independently and make decision under pressure. 5–8 years of experience in credit risk assessment, financial analysis, portfolio management, loan structuring and restructuring, and regulatory compliance. Proven experience in managing teams.
JOB-6836c3774ba57
Vacancy title:
Credit risk manager, retail banking
[Type: FULL_TIME, Industry: Banking, Category: Accounting & Finance]
Jobs at:
DCB Commercial Bank
Deadline of this Job:
Tuesday, June 10 2025
Duty Station:
Dar es Salaam | Dar es Salaam | Tanzania
Summary
Date Posted: Wednesday, May 28 2025, Base Salary: Not Disclosed
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JOB DETAILS:
DCB Commercial Bank Plc is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to Individuals, Microfinance, Small to Medium sized Businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 9 branches, over 700 DCB Wakala Agents, and over 280 Umoja switch ATMs serving over 3 million customers across the country. We are currently seeking qualified candidate to fill the role of Credit Risk Manager, Retail Banking. This role is responsible for credit-risk stewardship for the Bank’s Personal & Micro-Retail portfolio—including unsecured salary-deduction loans, secured personal loans and group-based loan offerings including other products related to personal banking and Micro – Lending.
Responsibilities:
- Setting and enforcing product-specific credit parameters for personal banking, microcredit and micro-finance loans.
- Leading credit assessment of new employer/scheme agreements and ad-hoc product changes, presenting risk opinions to Credit Committee.
- Approving/declining individual applications within delegated authority; escalate above-limit exposures with clear recommendations.
- Ensuring adherence to the bank’s policies and procedures in the appraisal of salaried loans.
- Verifying and ensure compliance with regulatory requirements in all loan appraisal activities.
- Overseeing proper administration of all loans within the system, validating accurate loan details.
- Reviewing accounts qualifying for write-offs and restructuring, recommend for approval.
- Monitoring the micro-credit and micro-finance portfolio and ensure that payments are received timely, and there is no portfolio deterioration.
- Reconciling files from scheme companies and treasury before uploading.
- Preparing detailed uploads and reports on a weekly, monthly, and quarterly basis.
- Reviewing the loan portfolio, checking for exceptions in disbursed accounts against product parameters.
- Monitoring loans with longer tenors, interest rates, and loan amounts against agreed terms and conditions.
Qualifications and Experience:
- Bachelor’s degree in finance, accounting, economics, business or related field. Master’s degree will be an added advantage.
- Excellent analytical, communication and interpersonal skills.
- Meticulous, with ability to work independently and make decision under pressure.
- 5–8 years of experience in credit risk assessment, financial analysis, portfolio management, loan structuring and restructuring, and regulatory compliance.
- Proven experience in managing teams.
Work Hours: 8
Experience in Months: 60
Level of Education: bachelor degree
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