About Us

Tanzania Commercial Bank is a Bank that provides competitive financial services to our customers and creates value for our stakeholders through innovative products with a vision “to be the leading bank in Tanzania in the provision of affordable, accessible and convenient financial services”. As part of organizational development and management of its human capital in an effective way, Tanzania Commercial Bank commits itself towards attaining, retaining and developing the highly capable and qualified workforce for Tanzania Commercial Bank betterment and the Nation at large.

Position Details

Rank: Principal Relationship Officer I
Department: Digital & Innovation
Salary Scale: COBSS 9 (at Principal level I)
Reports to: Chief Manager Digital & Innovations
Location: Dar es Salaam

Position Objective

To lead the strategic growth, operational performance, and innovation of TCB’s Agency Banking business, ensuring increased financial inclusion, revenue growth, and customer reach through an efficient, secure, and scalable agent network. The role is responsible for driving agent acquisition, channel optimization, service quality, and partnerships that enhance the value proposition of the Agency-banking ecosystem.

Key Responsibilities

Strategy & Business Growth

• Develop and implement the Agency Banking strategy aligned with TCB’s retail and digital transformation goals.
• Identify growth opportunities, new business models, and partnerships to expand the agency footprint.
• Drive initiatives that enhance customer acquisition, deposits mobilization, and transaction volumes.

Channel Management & Optimization

• Oversee agent recruitment, activation, and performance management across regions.
• Implement efficient liquidity management frameworks to ensure agent uptime.
• Monitor and improve agent profitability, service quality, and compliance standards.

Partnership & Ecosystem Development

• Collaborate with fintechs, payment service providers, and aggregators to enhance service delivery.
• Embed value-added services (VAS) such as bill payments, micro-insurance, and group lending into the channel.
• Work closely with regulatory bodies to ensure full compliance and adherence to financial inclusion mandates.

Operational Excellence & Risk Management

• Strengthen processes, controls, and agent monitoring systems to mitigate operational & fraud risks.
• Oversee end-to-end customer experience and ensure prompt resolution of agent or customer issues.
• Manage channel budgets, cost optimization, and performance analytics for continuous improvement.

Leadership & People Management

• Lead, coach, and develop the Agency Banking team to deliver on business objectives.
• Foster a performance-driven and innovative culture aligned with TCB’s strategic values.

Qualifications, Skills & Experience

Holder of Master Degree in one of the following fields: Banking, Economics, Commerce or Business Administration, Accountancy or Finance, Entrepreneurship, Marketing, Statistics, Mathematics, Computer Science and Information Technology, Computer Engineering or equivalent qualifications from recognized institutions with at least sixteen (16) years of experience:

• Experience in Retail or Digital Banking, with at least 3 years in Agency Banking or channel Management.
• Strong understanding of financial inclusion, agent network operations, and digital distribution models.
• Proven experience in stakeholder management, strategic partnerships, and business development.
• Analytical mindset with ability to interpret data and drive actionable insights.

Personal Attributes and Behavioural Competencies

• Ability to demonstrate Tanzania Commercial Bank core values: Customer Focus, trustworthy, Creativity, Teamwork and Excellence
• Ability to prioritise work and to meet deadlines.
• Ability to work quickly, accurately and consistently when under pressure.
• A methodical and well-organized approach to work.
• Mature and able to work in a confidential environment.
• Has sound judgment, common sense and good humor

• Develop and implement the Agency Banking strategy aligned with TCB’s retail and digital transformation goals.
• Identify growth opportunities, new business models, and partnerships to expand the agency footprint.
• Drive initiatives that enhance customer acquisition, deposits mobilization, and transaction volumes.
• Oversee agent recruitment, activation, and performance management across regions.
• Implement efficient liquidity management frameworks to ensure agent uptime.
• Monitor and improve agent profitability, service quality, and compliance standards.
• Collaborate with fintechs, payment service providers, and aggregators to enhance service delivery.
• Embed value-added services (VAS) such as bill payments, micro-insurance, and group lending into the channel.
• Work closely with regulatory bodies to ensure full compliance and adherence to financial inclusion mandates.
• Strengthen processes, controls, and agent monitoring systems to mitigate operational & fraud risks.
• Oversee end-to-end customer experience and ensure prompt resolution of agent or customer issues.
• Manage channel budgets, cost optimization, and performance analytics for continuous improvement.
• Lead, coach, and develop the Agency Banking team to deliver on business objectives.
• Foster a performance-driven and innovative culture aligned with TCB’s strategic values.

• Strong understanding of financial inclusion, agent network operations, and digital distribution models.
• Proven experience in stakeholder management, strategic partnerships, and business development.
• Analytical mindset with ability to interpret data and drive actionable insights.
• Ability to demonstrate Tanzania Commercial Bank core values: Customer Focus, trustworthy, Creativity, Teamwork and Excellence.
• Ability to prioritise work and to meet deadlines.
• Ability to work quickly, accurately and consistently when under pressure.
• A methodical and well-organized approach to work.
• Mature and able to work in a confidential environment.
• Has sound judgment, common sense and good humor.

• Holder of Master Degree in one of the following fields: Banking, Economics, Commerce or Business Administration, Accountancy or Finance, Entrepreneurship, Marketing, Statistics, Mathematics, Computer Science and Information Technology, Computer Engineering or equivalent qualifications from recognized institutions.
• At least sixteen (16) years of experience.
• Experience in Retail or Digital Banking, with at least 3 years in Agency Banking or channel Management.