NATIONAL BANK OF COMMERCE (NBC)
JOB VACANCIES – 4 POSITIONS
NBC is the oldest serving bank in Tanzania with over five decades of experience. The bank offers a range of retail, business, corporate and investment banking, wealth management products and services.
1. SENIOR MANAGER – AGENCY BANKING TRANSFORMATION & GROWTH
Location: Head Office NBC, Dar es Salaam
Employment Type: Full-time
Requisition ID: R-15990837
Application Deadline: 17th September 2026
Job Summary
To lead the strategic transformation, product management, business technology and commercial growth agenda for Agency Banking by developing innovative business solutions, driving digital transformation, managing product lifecycle, delivering business performance, and enabling sustainable growth of the Agency Banking business in line with the Bank’s Retail Banking strategy.
The role is accountable for translating business strategy into commercially viable products and technology solutions, driving revenue growth, expanding the Agency Banking network, enhancing customer acquisition, and ensuring continuous improvement of Agency Banking products, systems and business processes.
Key Responsibilities
Strategy & Business Transformation – 20%
- Lead the development and execution of the Agency Banking transformation agenda to support sustainable business growth.
- Lead the development of strategic proposals and annual business plans for Agency Banking for review and approval by the Head of Agency Banking.
- Translate approved strategy into Transformation & Growth initiatives and execution plans.
- Lead strategic transformation initiatives.
- Develop, evaluate and recommend Agency Banking business-model enhancements to support sustainable growth, customer value and commercial viability.
- Identify opportunities for business process optimization.
- Improve customer and agent digital journeys.
- Drive adoption of digital Agency Banking services.
- Develop digital growth initiatives.
Business Technology
- Own Agency Banking business demand.
- Develop Business Requirement Documents (BRDs).
- Define business functional requirements.
- Lead User Acceptance Testing (UAT).
- Prioritize system enhancements.
- Coordinate product releases.
- Manage business change requests.
- Coordinate vendors and technology partners from the business perspective.
- Support implementation of technology solutions aligned with business objectives.
Commercial Performance & Growth – 30%
- Develop and drive commercial growth initiatives within the Transformation & Growth portfolio that contribute to achievement of the overall Agency Banking business plan and commercial targets.
- Develop and drive initiatives contributing to Agency Banking revenue growth, transaction growth and network profitability.
- Increase transaction volumes and values.
Education & Experience Required
- Bachelor’s Degree in Commerce, Business Administration, Banking, Finance, Economics, Information Systems, Computer Science or related field.
- MBA or relevant Master’s Degree will be an added advantage.
- Professional certification in Project Management, Product Management or Digital Transformation will be an added advantage.
- Minimum five years’ experience in Retail Banking, Agency Banking, Digital Banking, Product Management or Business Development.
- Demonstrated experience in leading business transformation initiatives.
- Experience managing digital products and business technology initiatives.
- Proven experience delivering commercial business growth.
- Experience preparing Business Requirement Documents (BRDs) and leading User Acceptance Testing (UAT) will be an added advantage.
Knowledge & Skills
- Agency Banking business models
- Retail Banking products
- Product Management
- Business Technology
- Digital Transformation
Apply Here:
2. MANAGER: DIGITAL LENDING
Location: Head Office NBC, Dar es Salaam
Employment Type: Full-time
Requisition ID: R-15990768
Application Deadline: 15th September 2026
Job Summary
To lead the end-to-end development, growth, and management of the bank’s digital lending portfolio, including salary advances, personal digital loans, and embedded lending partnerships with fintechs and ecosystem players. The role is responsible for driving instant, data-driven credit delivery, ensuring strong portfolio quality, scalable digital adoption, and profitable growth through automated lending channels such as mobile banking, internet banking, USSD, APIs, and partner platforms.
Key Responsibilities
Digital Lending Strategy, Portfolio Growth & Revenue Delivery – 30%
- Develop and execute the end-to-end digital lending growth strategy covering salary advances, personal loans, pre-approved credit, and embedded lending products.
- Drive sustainable growth of the digital credit portfolio through acquisition, activation, repeat borrowing, and customer lifecycle optimization.
- Deliver agreed targets for loan book growth, revenue, interest income, and fee-based income across all digital lending channels including mobile, USSD, app, API and partner platforms.
- Identify and scale high-impact growth levers including payroll-linked lending, behavioral scoring, and pre-approved credit offers.
- Establish and continuously enhance performance dashboards tracking disbursements, approval rates, conversion ratios, cost-to-serve, and portfolio profitability.
- Drive market share expansion by positioning the bank as a leading provider of instant and embedded digital credit solutions.
Digital Sales Execution, Product Adoption & Growth Engine – 25%
- Lead execution of structured digital lending campaigns to drive uptake of salary advances and instant loans.
- Optimize customer journeys to improve conversion rates, approval rates, and time-to-cash disbursement.
- Collaborate with marketing, retail, and digital teams to design targeted acquisition campaigns using data-driven segmentation and behavioural insights.
- Drive cross-sell and upsell of digital credit products within the existing customer base using proactive pre-approved offers.
- Monitor and optimize the full digital lending funnel from awareness, application, approval, disbursement, to repayment.
- Ensure disciplined execution of product pricing, eligibility rules, and credit policies across all digital channels.
Fintech Ecosystem Partnerships & Embedded Lending Expansion – 20%
- Develop and manage strategic partnerships with fintechs, mobile money operators, payroll platforms, aggregators, and digital marketplaces.
- Design and implement embedded lending models including API-based lending, co-lending, referral partnerships, and white-label credit solutions.
- Negotiate commercial agreements ensuring mutually beneficial revenue sharing, risk alignment, and scalability.
- Drive integration of external platforms into the bank’s digital lending ecosystem to expand distribution and customer reach.
- Ensure partner compliance with credit risk frameworks, regulatory requirements, and operational standards.
- Continuously identify new ecosystem opportunities to extend lending beyond traditional banking channels.
Credit Risk Management, Automation & Portfolio Quality – 15%
- Work closely with Credit Risk to design, refine, and continuously optimize digital credit scoring models and underwriting rules.
- Monitor portfolio health including PAR, NPL, early arrears, and default trends, ensuring alignment with risk appetite.
- Implement proactive risk mitigation strategies including limit management, behavioural triggers, and early warning systems.
- Drive automation of credit decisioning, loan origination, and disbursement processes to enable real-time or near-instant lending decisions.
- Ensure full compliance with internal credit policies, regulatory frameworks, audit requirements, and governance standards.
- Continuously improve model accuracy using behavioural, transactional, and alternative data sources.
- Equip sales teams with the tools, market intelligence, training, and support required to deliver exceptional customer experiences and achieve sales targets.
Customer Experience, Digital Journey & Operational Excellence – 10%
- Ensure seamless end-to-end customer experience across all digital lending touchpoints including mobile, USSD, app, and partner channels.
- Eliminate friction in onboarding, application, approval, and disbursement journeys to maximize customer satisfaction and retention.
- Drive continuous improvement in service quality, response time, and resolution of customer issues related to digital credit products.
- Act as escalation point for complex customer, partner, and system-related lending issues.
- Embed a strong customer-first digital lending experience culture across all touchpoints.
- Ensure high system availability and operational stability of digital lending platforms.
Education & Experience Required
- Bachelor’s degree in Finance, Economics, Business, IT or related field. MBA preferred.
- 5–8+ years’ experience in banking, fintech, or digital financial services.
- Strong exposure to digital lending or consumer credit.
- Strong exposure to mobile money lending ecosystems.
- Strong exposure to credit risk and scoring models.
- Strong exposure to product management or portfolio management.
- Experience working with fintechs, telcos, or API-driven platforms is a strong advantage.
Apply Here:
3. RELATIONSHIP MANAGER – FISHERIES
Location: Head Office NBC, Dar es Salaam
Work Arrangement: Hybrid
Employment Type: Full-time
Requisition ID: R-15990698
Application Deadline: 12th September 2026
Job Summary
Responsible for driving growth in the fisheries business through new client acquisition, effective processing and assessment of credit applications from branches, development of business growth proposals, and the booking of quality loans in line with the Bank’s credit standards.
Key Responsibilities
Customer Acquisition & Credit Assessment
- Identify, acquire, and onboard fisheries farmers, cooperatives, and agribusiness enterprises as new clients.
- Build and maintain strong relationships with clients, stakeholders, and industry partners while providing advisory support on appropriate financing solutions.
Reporting & Documentation
- Prepare and submit periodic reports on the performance of the fisheries loan portfolio.
- Document lessons learned, emerging opportunities, sector risks, and challenges affecting fisheries business development.
- Maintain accurate and up-to-date client, credit, and portfolio documentation in accordance with internal standards.
Reporting & Meeting Attendance
- Attend Credit Risk Committee meetings, business review meetings, loan delinquency and collections meetings, and any other meetings as directed by management.
- Prepare and submit periodic reports and any other reports required by management within agreed timelines.
- Provide updates on portfolio performance, business development activities, credit quality, and key sector developments.
Education & Experience Required
- Bachelor’s degree in Aquaculture, Animal Science, Agribusiness, or any other related field.
- Sound knowledge of fisheries business value chains and related financing requirements.
- 2 years and above work experience in agribusiness financing with exposure to Fisheries clients.
- Field experience in conducting farm visits, fisheries project evaluations, client interviews, and capacity assessments.
Additional Skills & Competencies
- Strong analytical, financial assessment, and credit appraisal skills.
- Excellent communication, negotiation, stakeholder engagement, and relationship management skills.
- Good understanding of fisheries sector dynamics, risks, and opportunities.
- Ability and willingness to travel extensively to rural and field locations.
Apply Here:
4. TELE SALES & DIGITAL SUPPORT MANAGER
Location: Head Office NBC, Dar es Salaam
Employment Type: Full-time
Requisition ID: R-15988446
Application Deadline: 12th September 2026
Job Summary
To lead and manage tele sales and digital support operations by driving customer acquisition, sales conversion, service excellence, and digital channel adoption. The role is responsible for optimizing customer engagement through contact center platforms, digital support channels, and proactive sales initiatives to achieve business growth, portfolio expansion, and enhanced customer experience.
Key Responsibilities
Tele Sales Strategy & Revenue Growth – 30%
- Develop and execute tele sales strategies aligned with business growth objectives.
- Drive acquisition of new customers and growth of retail banking products through outbound and inbound sales campaigns.
- Monitor sales conversion rates and implement initiatives to improve productivity and performance.
- Identify opportunities for cross-selling and upselling across customer segments.
- Manage tele sales pipelines and ensure achievement of monthly and annual sales targets.
- Coordinate targeted campaigns for loans, deposits, cards, digital products, and other banking solutions.
- Support digital loan onboarding.
Digital Support & Customer Experience – 30%
- Oversee customer support across mobile banking app, internet banking, agency banking, ATM, cards, and USSD channels.
- Drive onboarding and activation of customers onto digital banking platforms.
- Improve digital adoption and migration from branch transactions to self-service channels.
- Ensure prompt resolution of customer issues related to digital banking access, failed transactions, login issues, and service disruptions.
- Monitor digital channel performance and customer usage trends to improve customer experience.
- Support rollout and adoption of new digital products and functionalities.
- Work closely with IT and digital teams to resolve system-related issues and improve service uptime.
- Promote financial literacy and customer awareness on digital banking services.
Operational Efficiency & Process Improvement – 20%
- Develop and implement operational procedures, scripts, and workflow controls for telesales and support operations.
- Monitor operational performance and implement continuous improvement initiatives.
- Utilize data analytics and dashboards to monitor productivity, customer trends, and sales performance.
- Ensure efficient workforce planning, scheduling, and resource utilization.
- Identify automation opportunities to improve customer engagement and operational efficiency.
- Drive digitization initiatives to enhance customer convenience and reduce operational costs.
Team Leadership & Capability Development – 10%
- Lead, coach, and develop telesales and digital support teams to achieve high performance.
- Set clear performance objectives and conduct regular performance reviews.
- Build a high-performance, customer-centric, and sales-driven culture.
- Conduct regular product knowledge and customer service training sessions.
- Mentor staff on customer engagement, objection handling, and digital banking support.
- Drive employee engagement and succession planning within the unit.
Stakeholder Management & Collaboration – 10%
- Collaborate with product, operations, marketing, credit, IT, and branch teams to drive business initiatives.
- Support implementation of campaigns, product launches, and customer engagement programs.
- Provide management reports and business insights on sales performance, customer behavior, and service trends.
- Engage with external vendors and technology partners supporting contact center and digital banking operations.
Education & Experience Required
- Bachelor’s degree in Banking, Finance, Business Administration, Marketing, Information Systems, or related field.
- Professional certifications in digital banking, customer experience, sales, or contact center management are an added advantage.
- Minimum of 5–7 years’ experience in banking operations, telesales, digital banking support, or contact center management.
- Strong understanding of retail banking products, lending, and digital financial services.
- Proven experience in managing sales and customer support teams within a banking environment.
Knowledge & Skills
- Retail banking and digital banking knowledge
- Lending and liability product knowledge
- Strong sales and negotiation skills
- Customer experience management
- Contact center operations management
Competencies
- Excellent communication and stakeholder management
- Problem-solving and decision-making ability
- Performance management and coaching capability