Background

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

Drive the growth of NBC’s Islamic Banking portfolio by proactively acquiring new customers, building and deepening business relationships, and growing assets (financing) and liabilities (deposits) in full compliance with Shari’ah principles. The Relationship Manager – Islamic Banking is the primary commercial interface between the Bank and its Islamic Banking clients, championing the Bank’s Lariba proposition across Retail and Business Banking segments.

In the absence of, or as delegated by, the Head of Islamic Banking, the Relationship Manager assumes responsibility for day-to-day operational leadership of the Islamic Banking team, ensuring continuity of business development, customer service standards, and Shari’ah compliance at branch level.

KEY ACCOUNTABILITIES

1. Business Development & New Customer Acquisition | 35%

Owns end-to-end business development for the Islamic Banking book, with a strong emphasis on bringing new-to-bank customers and expanding market penetration. In the absence of the Head, represents Islamic Banking in key client engagements and business review forums.

• Develop and execute a personal business development plan with monthly acquisition targets for new Islamic Banking customers across financing and deposits, reporting progress to the Head of Islamic Banking.
• Proactively identify, prospect, and convert new-to-bank clients including individuals, SMEs, and institutions, leveraging market intelligence, referrals, community networks, and digital leads.
• Drive deposit mobilisation by marketing Lariba savings, current, and investment accounts, meeting or exceeding assigned liability growth targets each quarter.
• Originate and structure Lariba financing proposals (Murabaha, Ijarah, Musharaka, etc.) in collaboration with the Credit Unit, ensuring deals are Shari’ah-compliant, commercially sound, and within credit policy.
• Identify untapped market segments and geographic opportunities and recommend product or pricing adaptations to the Head of Islamic Banking to capture those segments.
• Represent NBC at community events, Islamic finance seminars, and trade forums to raise brand visibility and generate business leads.
• In the absence of the Head of Islamic Banking, lead client meetings, business pitches, and negotiations at the required authority level to ensure no pipeline opportunity is lost.

2. Customer Relationship Management & Retention | 25%

Manages an active portfolio of Islamic Banking clients, ensuring high satisfaction, wallet deepening, and strong retention to sustain long-term revenue growth.

• Maintain a structured portfolio management system, conducting regular client review meetings and ensuring timely renewals, top-ups, and cross-sell opportunities are captured.
• Serve as the primary point of contact for escalated customer queries and complaints, resolving issues within set service standards to protect and enhance client relationships.
• Deepen relationships with existing customers by profiling their financial needs and matching them to appropriate Lariba products and services.
• Track and manage customer attrition within the portfolio, implementing proactive retention strategies for at-risk accounts.
• Coordinate with branch teams to ensure consistent, high-quality service delivery to Islamic Banking clients at all touchpoints.

3. Performance Monitoring & Reporting | 15%

Ensures the Islamic Banking book is tracked, analysed, and actioned with rigour, maintaining visibility of performance across all branches and products.

• Prepare and present weekly and monthly business performance reports covering new acquisitions, deposit balances, financing book, delinquency, and revenue – deputising for the Head of Islamic Banking in management forums as required.
• Review branch-level Islamic Banking performance scorecards periodically, identifying trends, gaps, and remedial actions, and communicate findings with clear improvement strategies.
• Monitor the delinquency status of the Lariba financing portfolio and coordinate with branch managers and the Credit Unit to implement prompt remedial action on overdue accounts.
• Analyse competitor activity and market trends to provide the Head of Islamic Banking with data-driven insights for strategy adjustments.

4. Branch Capacity Building & Team Enablement | 10%

Builds the Islamic Banking capability of branch teams, ensuring front-line staff can confidently promote Lariba products and deliver compliant service.

• Coordinate and facilitate regular capacity-building sessions, product training, and sales skills workshops for branch staff to enhance their ability to sell and service Islamic Banking products.
• Support branch teams in implementing their Islamic Banking activity plans, providing coaching and joint client visits where needed.
• Act as the in-team subject matter expert on Lariba products, contracts, and customer interactions, providing guidance and escalation support to junior staff.

5. Shari’ah Compliance & Risk Management | 10%

Upholds Shari’ah integrity across all business activities and supports the broader compliance framework of the Islamic Banking division.

• Ensure all customer-facing transactions, contracts, and communications are fully Shari’ah-compliant and consistent with approved fatwas and SAC decisions.
• Identify and escalate any Shari’ah compliance risks observed in products, processes, or transactions to the Shari’ah Compliance Manager or Head of Islamic Banking.
• Respond to queries from internal and external auditors and provide necessary documentation during Shari’ah, internal, and external audits.
• Assist the Head of Islamic Banking in implementing SAC decisions, organising SAC-related activities, and maintaining required documentation.
• Perform other duties and special assignments as directed by the Head of Islamic Banking or Managing Director, including leading or representing the department when required.

ROLE/ PERSON SPECIFICATION

Education and Experience Required Essential

• Bachelor’s degree in Islamic Banking and Finance, Business Administration, Economics, Accounting, Marketing, or a related field.
• Master’s degree in Business related studies is an added advantage
• Relevant professional qualification in Banking, Accounting or Finance is an added advantage.
• Minimum 5 years of experience in Islamic Banking, or a similar financial services role.
• Demonstrated track record in business development, customer acquisition, and sales performance within a financial institution.
• Practical experience with Islamic product contracts (Murabaha, Ijarah, Musharaka, Mudaraba, Wakala) and their operational application.
• Experience in Shari’ah risk identification and an understanding of Shari’ah audit and review processes.

Desirable

• Professional qualification in Islamic Banking or Finance (e.g., CIPA, AAOIFI, IFQ, or equivalent) is a strong advantage.
• Experience working in a commercial bank’s Islamic Banking window or dedicated Islamic Banking unit.
• Familiarity with Bank of Tanzania regulatory requirements and Islamic Banking guidelines.

Knowledge & Skills

• Islamic Product Expertise: Deep working knowledge of Shari’ah-compliant product structures and their commercial application across retail and business banking segments.
• Sales & Business Development: Proven ability to prospect, pitch, negotiate, and close business deals, with strong target orientation and pipeline management skills.
• Credit & Risk Awareness: Sound understanding of credit assessment principles for Islamic financing products, portfolio management, and early warning indicators.
• Customer Relationship Management: Ability to build, manage, and grow a diverse client portfolio with high levels of client satisfaction and retention.
• Analytical Skills: Proficiency in performance reporting, data interpretation, and translating insights into actionable strategies.
• Communication & Presentation: Strong verbal and written communication skills; confident presenter to clients, management, and community audiences.

Competencies

• Entrepreneurial & Commercial Thinking – Identifies opportunities, takes initiative, and consistently works toward growing the business.
• Deciding and Initiating Action – Acts decisively in acquiring clients and resolving issues; comfortable making decisions within delegated authority.
• Relating and Networking – Builds strong internal and external networks; leverages relationships to generate business and support team goals.
• Persuading and Influencing – Communicates compellingly to convert prospects, influence stakeholders, and present ideas effectively.
• Adapting and Responding to Change – Thrives in dynamic environments; adjusts approaches based on market conditions and customer needs.
• Learning and Researching – Continuously updates knowledge of Islamic finance, market trends, and banking regulations.
• Creating and Innovating – Brings fresh ideas for customer solutions and business development strategies.

Qualifications

Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets some of the requirements and would need further development), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication - Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Relationship building (Meets some of the requirements and would need further development)

• Develop and execute a personal business development plan with monthly acquisition targets for new Islamic Banking customers across financing and deposits, reporting progress to the Head of Islamic Banking.
• Proactively identify, prospect, and convert new-to-bank clients including individuals, SMEs, and institutions, leveraging market intelligence, referrals, community networks, and digital leads.
• Drive deposit mobilisation by marketing Lariba savings, current, and investment accounts, meeting or exceeding assigned liability growth targets each quarter.
• Originate and structure Lariba financing proposals (Murabaha, Ijarah, Musharaka, etc.) in collaboration with the Credit Unit, ensuring deals are Shari’ah-compliant, commercially sound, and within credit policy.
• Identify untapped market segments and geographic opportunities and recommend product or pricing adaptations to the Head of Islamic Banking to capture those segments.
• Represent NBC at community events, Islamic finance seminars, and trade forums to raise brand visibility and generate business leads.
• In the absence of the Head of Islamic Banking, lead client meetings, business pitches, and negotiations at the required authority level to ensure no pipeline opportunity is lost.
• Maintain a structured portfolio management system, conducting regular client review meetings and ensuring timely renewals, top-ups, and cross-sell opportunities are captured.
• Serve as the primary point of contact for escalated customer queries and complaints, resolving issues within set service standards to protect and enhance client relationships.
• Deepen relationships with existing customers by profiling their financial needs and matching them to appropriate Lariba products and services.
• Track and manage customer attrition within the portfolio, implementing proactive retention strategies for at-risk accounts.
• Coordinate with branch teams to ensure consistent, high-quality service delivery to Islamic Banking clients at all touchpoints.
• Prepare and present weekly and monthly business performance reports covering new acquisitions, deposit balances, financing book, delinquency, and revenue – deputising for the Head of Islamic Banking in management forums as required.
• Review branch-level Islamic Banking performance scorecards periodically, identifying trends, gaps, and remedial actions, and communicate findings with clear improvement strategies.
• Monitor the delinquency status of the Lariba financing portfolio and coordinate with branch managers and the Credit Unit to implement prompt remedial action on overdue accounts.
• Analyse competitor activity and market trends to provide the Head of Islamic Banking with data-driven insights for strategy adjustments.
• Coordinate and facilitate regular capacity-building sessions, product training, and sales skills workshops for branch staff to enhance their ability to sell and service Islamic Banking products.
• Support branch teams in implementing their Islamic Banking activity plans, providing coaching and joint client visits where needed.
• Act as the in-team subject matter expert on Lariba products, contracts, and customer interactions, providing guidance and escalation support to junior staff.
• Ensure all customer-facing transactions, contracts, and communications are fully Shari’ah-compliant and consistent with approved fatwas and SAC decisions.
• Identify and escalate any Shari’ah compliance risks observed in products, processes, or transactions to the Shari’ah Compliance Manager or Head of Islamic Banking.
• Respond to queries from internal and external auditors and provide necessary documentation during Shari’ah, internal, and external audits.
• Assist the Head of Islamic Banking in implementing SAC decisions, organising SAC-related activities, and maintaining required documentation.
• Perform other duties and special assignments as directed by the Head of Islamic Banking or Managing Director, including leading or representing the department when required.

• Islamic Product Expertise: Deep working knowledge of Shari’ah-compliant product structures and their commercial application across retail and business banking segments.
• Sales & Business Development: Proven ability to prospect, pitch, negotiate, and close business deals, with strong target orientation and pipeline management skills.
• Credit & Risk Awareness: Sound understanding of credit assessment principles for Islamic financing products, portfolio management, and early warning indicators.
• Customer Relationship Management: Ability to build, manage, and grow a diverse client portfolio with high levels of client satisfaction and retention.
• Analytical Skills: Proficiency in performance reporting, data interpretation, and translating insights into actionable strategies.
• Communication & Presentation: Strong verbal and written communication skills; confident presenter to clients, management, and community audiences.

• Bachelor’s degree in Islamic Banking and Finance, Business Administration, Economics, Accounting, Marketing, or a related field.
• Master’s degree in Business related studies is an added advantage
• Relevant professional qualification in Banking, Accounting or Finance is an added advantage.
• Minimum 5 years of experience in Islamic Banking, or a similar financial services role.
• Demonstrated track record in business development, customer acquisition, and sales performance within a financial institution.
• Practical experience with Islamic product contracts (Murabaha, Ijarah, Musharaka, Mudaraba, Wakala) and their operational application.
• Experience in Shari’ah risk identification and an understanding of Shari’ah audit and review processes.
• Professional qualification in Islamic Banking or Finance (e.g., CIPA, AAOIFI, IFQ, or equivalent) is a strong advantage.
• Experience working in a commercial bank’s Islamic Banking window or dedicated Islamic Banking unit.
• Familiarity with Bank of Tanzania regulatory requirements and Islamic Banking guidelines.
• Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies
• Commercial mindset - Junior (Meets some of the requirements and would need further development)
• Customer Excellence - Service Delivery (Meets all of the requirements)
• Digital familiarity (Meets all of the requirements)
• Effective communication - Basic (Meets all of the requirements)
• Experience in a similar environment
• Openness to change (Meets some of the requirements and would need further development)
• Product and/or Service Knowledge (Meets all of the requirements)
• Relationship building (Meets some of the requirements and would need further development)