Job Description

The Digital Lending Manager is responsible for the growth, performance, and sustainability of the Bank’s digital lending portfolio across Retail and SME segments. The role oversees digital lending strategy, portfolio performance, customer experience governance, and risk management, working closely with Business, Technology, Risk, Finance, and external partners. The role includes leading the design and recommendation of bank-owned, end-to-end digital lending solutions while managing and optimizing partner-led digital lending models.

Roles & Responsibilities

1.Digital Lending Strategy & Growth

• Define and execute the digital lending strategy across retail and SME segments

• Drive portfolio growth through

• Own performance targets for

• Identify opportunities to expand digital lending use cases beyond nano-loans into

2.Partnership-Led Digital Lending Oversight

• Manage strategic relationships with TELCOs and fintech partners.

• Ensure partner platforms align with bank policies and regulatory guidelines.

• Monitor partner-led customer journeys, pricing disclosures, and collections practices.

• Negotiation and optimization of Commercial terms, Revenue share and Risk-sharing structures

• Ensure seamless operational integration between partner platforms and bank systems.

3.Proprietary Digital Lending Design & Build

• Lead the design and recommendation of bank-owned digital lending solutions

• Work with Technology, Data, and Risk teams to Define target architecture for internal digital lending platforms, recommend build vs buy vs partner decisions

• Champion internal capability development to enable end-to-end digital lending ownership.

• Build the business case for transitioning selected lending products away from TELCO dependency

4.Portfolio Performance & Risk Management

• Own digital lending portfolio quality across all channels.

• Monitor and manage PAR (1–30, 31–90, 90+), Roll rates, Vintage performance and Loss ratios

• Collaborate with Credit Risk to refine Scoring models, Affordability logic and Exposure limits

• Ensure compliance with BANK OF TANZANIA digital credit regulations, consumer protection rules, and data governance standards.

5.Customer Experience Governance

• While onboarding is partner-led, ensure Customer experience meets bank standards and Clear communication of pricing, fees, and penalties.

• Use portfolio and complaints data to influence partner UX improvements.

• Design future-state bank-owned customer journeys that reduce friction, improve trust, increase repeat borrowing and retention

6.Analytics, Reporting & Governance

• Provide regular performance and risk reports to Senior Management, Credit Committees and Governance forums

• Track digital lending KPIs and escalate emerging risks.

• Support audits and regulatory reviews related to digital credit.

• Define and execute the digital lending strategy across retail and SME segments
• Drive portfolio growth through
• Own performance targets for
• Identify opportunities to expand digital lending use cases beyond nano-loans into
• Manage strategic relationships with TELCOs and fintech partners.
• Ensure partner platforms align with bank policies and regulatory guidelines.
• Monitor partner-led customer journeys, pricing disclosures, and collections practices.
• Negotiation and optimization of Commercial terms, Revenue share and Risk-sharing structures
• Ensure seamless operational integration between partner platforms and bank systems.
• Lead the design and recommendation of bank-owned digital lending solutions
• Work with Technology, Data, and Risk teams to Define target architecture for internal digital lending platforms, recommend build vs buy vs partner decisions
• Champion internal capability development to enable end-to-end digital lending ownership.
• Build the business case for transitioning selected lending products away from TELCO dependency
• Own digital lending portfolio quality across all channels.
• Monitor and manage PAR (1–30, 31–90, 90+), Roll rates, Vintage performance and Loss ratios
• Collaborate with Credit Risk to refine Scoring models, Affordability logic and Exposure limits
• Ensure compliance with BANK OF TANZANIA digital credit regulations, consumer protection rules, and data governance standards.
• While onboarding is partner-led, ensure Customer experience meets bank standards and Clear communication of pricing, fees, and penalties.
• Use portfolio and complaints data to influence partner UX improvements.
• Design future-state bank-owned customer journeys that reduce friction, improve trust, increase repeat borrowing and retention
• Provide regular performance and risk reports to Senior Management, Credit Committees and Governance forums
• Track digital lending KPIs and escalate emerging risks.
• Support audits and regulatory reviews related to digital credit.