DCB Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania serving individuals, microfinance institutions, MSMEs, and large corporate clients. With a wide network of over 8 branches, more than 1,000 DCB Wakala Agents, and over 280 Umoja Switch ATMs, DCB Commercial Bank serves over 3 million customers nationwide through accessible, innovative financial solutions.

Position Overview

Job Title: Credit Manager, Analytics & IFRS

Organization: DCB Commercial Bank PLC

Location: Dar es Salaam, Tanzania

Key Roles and Responsibilities

IFRS 9 & ECL Modelling: Lead the end-to-end IFRS 9 impairment process—including data extraction, model execution, loan staging, macroeconomic overlays, and journal postings—ensuring accurate Expected Credit Loss (ECL) computations across Retail, SME, Corporate, staff loans, and off-balance sheet exposures.

Portfolio Monitoring & Risk Analytics: Oversee credit portfolio performance, tracking Non-Performing Loan (NPL) movements, risk migration, sectoral distribution, concentration limits, and customer covenant adherence.

Early Warning Indicators (EWI): Establish robust EWI frameworks and behavioral analytics covering arrears, account utilization, and delinquency patterns to enable proactive risk mitigation.

Regulatory Compliance & Reporting: Ensure strict compliance with Bank of Tanzania (BoT) credit regulations, prudential guidelines, and circulars; coordinate statutory returns, Credit Reference Bureau (CRB) reports, and sectoral exposure filings.

MIS & External Audit Liaison: Develop Management Information System (MIS) dashboards for credit performance and ECL analytics; support Finance and external auditors with periodic ECL reporting.

Team Capacity Building & Strategic Advisory: Train and supervise credit/risk teams on IFRS 9 concepts and analytics while delivering actionable insights to senior management for credit policy and portfolio strategy decisions.

Qualifications, Experience & Skills

Required Qualifications & Education:

Education: Bachelor’s Degree in Finance, Accounting, Economics, Statistics, Actuarial Science, Data Analytics, Mathematics, or a related quantitative discipline from a recognized institution.

Experience: Minimum of 3 years of hands-on experience in IFRS 9 impairment modelling and reporting, credit risk analytics, portfolio monitoring, or regulatory reporting within a regulated bank or financial institution.

Key Competencies & Technical Skills:

Regulatory & Accounting Standards: Deep mastery of IFRS 9 impairment methodologies, ECL modelling, and Bank of Tanzania (BoT) credit prudential guidelines.

Data Analytics & MIS: Strong quantitative modeling, credit portfolio analytics, early-warning system design, and MIS reporting capabilities.

Leadership & Communication: Ability to mentor technical teams, collaborate across Finance and Credit departments, and present strategic risk insights to executive leadership.

• Lead the end-to-end IFRS 9 impairment process—including data extraction, model execution, loan staging, macroeconomic overlays, and journal postings—ensuring accurate Expected Credit Loss (ECL) computations across Retail, SME, Corporate, staff loans, and off-balance sheet exposures.
• Oversee credit portfolio performance, tracking Non-Performing Loan (NPL) movements, risk migration, sectoral distribution, concentration limits, and customer covenant adherence.
• Establish robust EWI frameworks and behavioral analytics covering arrears, account utilization, and delinquency patterns to enable proactive risk mitigation.
• Ensure strict compliance with Bank of Tanzania (BoT) credit regulations, prudential guidelines, and circulars; coordinate statutory returns, Credit Reference Bureau (CRB) reports, and sectoral exposure filings.
• Develop Management Information System (MIS) dashboards for credit performance and ECL analytics; support Finance and external auditors with periodic ECL reporting.
• Train and supervise credit/risk teams on IFRS 9 concepts and analytics while delivering actionable insights to senior management for credit policy and portfolio strategy decisions.

• IFRS 9 impairment methodologies
• ECL modelling
• Bank of Tanzania (BoT) credit prudential guidelines
• Quantitative modeling
• Credit portfolio analytics
• Early-warning system design
• MIS reporting
• Mentoring technical teams
• Collaboration across Finance and Credit departments
• Presenting strategic risk insights to executive leadership

• Bachelor’s Degree in Finance, Accounting, Economics, Statistics, Actuarial Science, Data Analytics, Mathematics, or a related quantitative discipline from a recognized institution.
• Minimum of 3 years of hands-on experience in IFRS 9 impairment modelling and reporting, credit risk analytics, portfolio monitoring, or regulatory reporting within a regulated bank or financial institution.