Head of Business Lending
2025-09-17T18:16:49+00:00
Bank Of Africa Tanzania Limited
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FULL_TIME
Dar es Salaam
Dar es Salaam
00000
Tanzania
Banking
Admin & Office
2025-09-27T17:00:00+00:00
Tanzania
8
Summary of Responsibilities:
- To lead and manage the SME Lending function by growing a high-quality SME loan and deposit portfolio, structuring innovative financial solutions, ensuring sound credit evaluation, and driving business development. The role supports Bank of Africa’s mission to empower SMEs as a critical segment for economic growth, by providing tailored financing solutions and strategic guidance.
Scope of Duties:
- SME Lending Strategy & Portfolio Growth
- Develop and execute SME lending strategies to grow the asset book and increase revenue contribution from the SME segment.
- Drive sales of SME loan products across branches and business centers by working closely with frontline teams and Relationship Managers.
- Design and implement sector-specific lending programs (e.g., agri-business, manufacturing, trade) with tailored risk mitigation tools.
- Identify funding gaps in the SME market and develop appropriate credit products, including working capital, asset finance, and invoice discounting.
- Credit Origination & Structuring
- Originate, structure, and assess SME loan transactions from deal negotiation through to approval, ensuring they meet risk-return expectations.
- Lead preparation of comprehensive credit proposals and financial models in collaboration with RMs and Credit Analysts.
- Structure SME deals (e.g. supply chain finance) and align them with bank policy and regulatory requirements.
- Credit Risk Management
- Conduct due diligence, financial analysis, and risk assessment for SME lending proposals.
- Provide expert recommendations on credit approvals for high-value SME facilities.
- Monitor early warning signals in the SME loan book and proactively recommend remedial actions.
- Ensure strict compliance with internal credit policies, underwriting standards, and regulatory lending frameworks (BOT, IFRS 9).
- Client Relationship
- Build a robust pipeline of SME clients through proactive relationship management and market development.
- Originate new clients in underbanked or emerging SME sectors, offering structured finance solutions and business advisory.
- Act as a subject matter expert for SME lending and represent the bank in client engagement forums, trade events, and partnerships.
- Team Leadership & Capacity Building
- Provide leadership and mentorship to a team of Relationship Managers, and Relationship Officers.
- Set clear performance targets aligned to lending growth, portfolio quality, and client origination.
- Facilitate SME credit skills training programs across the bank to enhance frontline capabilities in lending and portfolio management.
- Internal & External Stakeholder Engagement
- Collaborate with internal departments such as Credit Risk, Legal, Compliance, Treasury, and Operations to ensure smooth delivery of SME services.
- Liaise with development finance institutions (DFIs), government programs, and other external partners to leverage co-financing and risk-sharing facilities.
Technical Know How:
- Deep understanding of SME lending dynamics, credit lifecycle, and product development
- Strong financial analysis and credit structuring skills
- Excellent leadership, coaching, and performance management abilities
- Strong interpersonal and stakeholder engagement skills
- High integrity, commercial awareness, and strategic thinking
Professional skills & Experience:
- Bachelor’s Degree in Banking, Finance, Economics, Business Administration, or a related field.
- Master’s degree (MBA) or relevant certifications (e.g., CPA, ACCA Credit analysis Certification) are added advantages.
- Minimum of 5 years in banking, business lending, or structured finance, with 3+ years in leadership or origination role.
- Proven experience in credit analysis, lending product development, and relationship management.
SME Lending Strategy & Portfolio Growth Develop and execute SME lending strategies to grow the asset book and increase revenue contribution from the SME segment. Drive sales of SME loan products across branches and business centers by working closely with frontline teams and Relationship Managers. Design and implement sector-specific lending programs (e.g., agri-business, manufacturing, trade) with tailored risk mitigation tools. Identify funding gaps in the SME market and develop appropriate credit products, including working capital, asset finance, and invoice discounting. Credit Origination & Structuring Originate, structure, and assess SME loan transactions from deal negotiation through to approval, ensuring they meet risk-return expectations. Lead preparation of comprehensive credit proposals and financial models in collaboration with RMs and Credit Analysts. Structure SME deals (e.g. supply chain finance) and align them with bank policy and regulatory requirements. Credit Risk Management Conduct due diligence, financial analysis, and risk assessment for SME lending proposals. Provide expert recommendations on credit approvals for high-value SME facilities. Monitor early warning signals in the SME loan book and proactively recommend remedial actions. Ensure strict compliance with internal credit policies, underwriting standards, and regulatory lending frameworks (BOT, IFRS 9). Client Relationship Build a robust pipeline of SME clients through proactive relationship management and market development. Originate new clients in underbanked or emerging SME sectors, offering structured finance solutions and business advisory. Act as a subject matter expert for SME lending and represent the bank in client engagement forums, trade events, and partnerships. Team Leadership & Capacity Building Provide leadership and mentorship to a team of Relationship Managers, and Relationship Officers. Set clear performance targets aligned to lending growth, portfolio quality, and client origination. Facilitate SME credit skills training programs across the bank to enhance frontline capabilities in lending and portfolio management. Internal & External Stakeholder Engagement Collaborate with internal departments such as Credit Risk, Legal, Compliance, Treasury, and Operations to ensure smooth delivery of SME services. Liaise with development finance institutions (DFIs), government programs, and other external partners to leverage co-financing and risk-sharing
Bachelor’s Degree in Banking, Finance, Economics, Business Administration, or a related field. Master’s degree (MBA) or relevant certifications (e.g., CPA, ACCA Credit analysis Certification) are added advantages. Minimum of 5 years in banking, business lending, or structured finance, with 3+ years in leadership or origination role. Proven experience in credit analysis, lending product development, and relationship management.
JOB-68cafb110f1bb
Vacancy title:
Head of Business Lending
[Type: FULL_TIME, Industry: Banking, Category: Admin & Office]
Jobs at:
Bank Of Africa Tanzania Limited
Deadline of this Job:
Saturday, September 27 2025
Duty Station:
Dar es Salaam | Dar es Salaam | Tanzania
Summary
Date Posted: Wednesday, September 17 2025, Base Salary: Not Disclosed
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JOB DETAILS:
Summary of Responsibilities:
- To lead and manage the SME Lending function by growing a high-quality SME loan and deposit portfolio, structuring innovative financial solutions, ensuring sound credit evaluation, and driving business development. The role supports Bank of Africa’s mission to empower SMEs as a critical segment for economic growth, by providing tailored financing solutions and strategic guidance.
Scope of Duties:
- SME Lending Strategy & Portfolio Growth
- Develop and execute SME lending strategies to grow the asset book and increase revenue contribution from the SME segment.
- Drive sales of SME loan products across branches and business centers by working closely with frontline teams and Relationship Managers.
- Design and implement sector-specific lending programs (e.g., agri-business, manufacturing, trade) with tailored risk mitigation tools.
- Identify funding gaps in the SME market and develop appropriate credit products, including working capital, asset finance, and invoice discounting.
- Credit Origination & Structuring
- Originate, structure, and assess SME loan transactions from deal negotiation through to approval, ensuring they meet risk-return expectations.
- Lead preparation of comprehensive credit proposals and financial models in collaboration with RMs and Credit Analysts.
- Structure SME deals (e.g. supply chain finance) and align them with bank policy and regulatory requirements.
- Credit Risk Management
- Conduct due diligence, financial analysis, and risk assessment for SME lending proposals.
- Provide expert recommendations on credit approvals for high-value SME facilities.
- Monitor early warning signals in the SME loan book and proactively recommend remedial actions.
- Ensure strict compliance with internal credit policies, underwriting standards, and regulatory lending frameworks (BOT, IFRS 9).
- Client Relationship
- Build a robust pipeline of SME clients through proactive relationship management and market development.
- Originate new clients in underbanked or emerging SME sectors, offering structured finance solutions and business advisory.
- Act as a subject matter expert for SME lending and represent the bank in client engagement forums, trade events, and partnerships.
- Team Leadership & Capacity Building
- Provide leadership and mentorship to a team of Relationship Managers, and Relationship Officers.
- Set clear performance targets aligned to lending growth, portfolio quality, and client origination.
- Facilitate SME credit skills training programs across the bank to enhance frontline capabilities in lending and portfolio management.
- Internal & External Stakeholder Engagement
- Collaborate with internal departments such as Credit Risk, Legal, Compliance, Treasury, and Operations to ensure smooth delivery of SME services.
- Liaise with development finance institutions (DFIs), government programs, and other external partners to leverage co-financing and risk-sharing facilities.
Technical Know How:
- Deep understanding of SME lending dynamics, credit lifecycle, and product development
- Strong financial analysis and credit structuring skills
- Excellent leadership, coaching, and performance management abilities
- Strong interpersonal and stakeholder engagement skills
- High integrity, commercial awareness, and strategic thinking
Professional skills & Experience:
- Bachelor’s Degree in Banking, Finance, Economics, Business Administration, or a related field.
- Master’s degree (MBA) or relevant certifications (e.g., CPA, ACCA Credit analysis Certification) are added advantages.
- Minimum of 5 years in banking, business lending, or structured finance, with 3+ years in leadership or origination role.
- Proven experience in credit analysis, lending product development, and relationship management.
Work Hours: 8
Experience in Months: 60
Level of Education: bachelor degree
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