Head of Retail Credit - Commercial Lending

Job snapshot

NMB Bank Plc is recruiting a Head of Retail Credit. The post sits inside the finance function, where accuracy and controls matter most. The post is based in Head Office, Hq, closing on Nov 2, 2026.

NMB Bank Plc operates a finance function with reconciliation and reporting at its core.

Role overview

Responsible for leading and for on this listing for this vacancy this in the advertised role vacancy managing the as for this vacancy covered here Commercial Lending Credit function in on this listing the advertised role securing on this listing effective assessment approval as in the advertised role covered here administration monitoring inspection and on this listing on this listing reporting of for this vacancy credit risk associated with for this vacancy the Bank's commercial lending portfolio.

Key responsibilities

• Making sure effective contact with in the advertised role on this listing Management Information MI and as covered here for on this listing as covered here this vacancy Credit Reporting in as covered here the advertised role teams in the advertised role on data standard as in the advertised role covered here data clean up CRB reporting Bank of on this listing in the advertised role in the advertised role Tanzania reporting audit findings and as covered here related action plans.
• Making sure effective management and on this listing in the advertised role monitoring of in the advertised role for on this listing in the advertised role this vacancy the Bank's commercial lending in in the advertised role on this listing the as covered here advertised role credit for in the advertised role this vacancy risk policies procedures and for as covered here this vacancy delegated lending authorities.
• Making sure effective monitoring of in the advertised role on this listing on this listing sector industry and in the advertised role as covered here as for this vacancy covered here customer as in the advertised role covered here concentration risks inside the in on this listing the advertised role Commercial Lending portfolio and for this vacancy on this listing recommending on this listing appropriate limits or mitigation strategies.
• That commercial lending credit in in the advertised role on this listing on this listing the as covered here advertised role functionalities as for this vacancy covered here are properly for this vacancy designed understood tested and on this listing on this listing as covered here embedded for this vacancy This as well covers taking part in the advertised role system development initiatives This on this listing as well covers LMS CBS and remaining credit systems.
• Making sure compliance with for in the advertised role this vacancy as covered for this vacancy here the as covered for this vacancy here Bank's credit policies on in on this listing the advertised role this as covered here listing procedures risk in in the advertised role the advertised role appetite regulatory requirements and for in the advertised role this vacancy approved delegated authorities.
• Making sure the highest standards of as covered here credit standard via for this vacancy robust assessment review sampling and in the advertised role on this listing on this listing in on this listing the advertised role application of on this listing on this listing best practices in in for this vacancy the advertised role credit analysis and for this vacancy portfolio management.
• Providing oversight and ensure compliance with for this vacancy as covered here in as covered here the advertised role as on this listing covered here applicable regulatory consumer protection and as covered here for this vacancy as as covered here covered here credit in for this vacancy the advertised role risk requirements inside the Commercial Lending portfolio.
• Taking part as a complete member of for this vacancy as covered here as covered here related in the advertised role Credit Committees Watchlist Committee and for this vacancy in the advertised role as covered here remaining governance forums attend for in the advertised role this vacancy Board Credit Committee meetings when required.
• Work closely with in for as covered here this vacancy the advertised role the in as covered here the advertised role Chief for this vacancy Credit Officer cross functional and in the advertised role for this vacancy for this vacancy as as covered here covered here as covered here Credit Heads of on this listing in the advertised role in the advertised role Department Zonal Managers and in the advertised role Branch Managers to strengthen credit workflows and support effective execution of on this listing the Bank's commercial lending strategy.
• Making sure that commercial as covered here on this listing lending for this vacancy propositions are appropriately planned priced and for this vacancy as covered here as covered here secured to for this vacancy as covered here on on this listing this listing optimize as covered here risk adjusted returns and for on this listing this vacancy protect the in the advertised role Bank against potential credit losses.
• Reviewing and challenge credit proposals and as covered here on this listing as as covered here covered here approval packs submitted to as covered here in the advertised role in the advertised role for this vacancy Credit Committees securing that for in the advertised role this vacancy key risks mitigants pricing and as covered here on this listing risk as covered here adjusted returns are adequately addressed.
• Developing the capability of in as covered here the advertised role the team to as covered here on this listing as on this listing covered here enhance as for this vacancy covered here credit analysis commercial in on this listing in the advertised role on this listing the advertised role lending on this listing expertise risk assessment and portfolio management.
• Putting in for on this listing this vacancy place the on this listing Bank's Performance Management directives and in the advertised role as covered here in for this vacancy the advertised role for for this vacancy this vacancy ensure effective performance management of in the advertised role departmental staff.
• Leading proactive identification assessment and in the advertised role on this listing in on this listing the advertised role in in the advertised role the advertised role management of on this listing as covered here as covered here deteriorating accounts and in the advertised role on this listing on this listing emerging credit risks in in the advertised role collaboration with related business and on this listing Special Asset Management teams.
• Collaborate with Commercial Banking Relationship Managers and as covered here for this vacancy remaining business stakeholders to on this listing as covered here identify areas of on this listing for this vacancy as in the advertised role covered here improvement in in in the advertised role the advertised role offerings workflows and on this listing support while ensuring appropriate risk controls.
• Appropriate compensation for credit risk and in the advertised role on this listing as as covered here covered here maximize value to as covered here on this listing the as covered here Bank inside the on as covered here this listing approved pricing framework This for as covered here this vacancy as well covers challenge on this listing transaction pricing structure and terms.
• Providing effective leadership direction and on this listing in the advertised role in the advertised role as covered here as covered here oversight to for this vacancy in the advertised role as covered here the Commercial Lending Credit team.
• Probability of in for this vacancy as covered here the in the advertised role advertised role default in on this listing the advertised role loss on this listing given default expected loss and for this vacancy as covered here as covered here for this vacancy rating for this vacancy migration This as well covers developing and for this vacancy implement appropriate credit risk measurement and as covered here for this vacancy portfolio monitoring methodologies for in the advertised role the Commercial Lending portfolio.
• Developing and maintain internal assessment models and in the advertised role on this listing on this listing in in the advertised role the advertised role in on this listing the advertised role methodologies for for this vacancy as covered here as covered here quantifying product sector and for on this listing this vacancy transaction related credit risks.
• Counterpart obligor industry business and on this listing in the advertised role for this vacancy as covered here transaction risks for in the advertised role for this vacancy commercial as covered here lending customers This on on this listing this listing as well covers undertake and in the advertised role on this listing oversee comprehensive credit analysis.
• Objective setting performance reviews coaching development and on this listing in the advertised role in the advertised role on this listing on this listing appraisal on this listing This as well covers in the advertised role managing the performance of departmental staff.
• Related monthly quarterly and in the advertised role on this listing as on this listing covered here ad hoc reports to in the advertised role on this listing on this listing for as covered here this vacancy management and for this vacancy as covered here the Board This as on this listing well covers leading the development and as covered here enhancement of on this listing on this listing credit risk reporting and for this vacancy monitoring for the Commercial Lending portfolio.
• Act as a role model in on this listing as covered here every aspects of on this listing leadership and as covered here for as covered here this vacancy for on this listing this vacancy management for for on this listing this vacancy direct reports and in the advertised role remaining team members.
• Leading and as covered here on this listing manage in the advertised role the Commercial Lending in on this listing the advertised role Credit function securing and in the advertised role as covered here effective assessment of for this vacancy in the advertised role on this listing as covered here business financial and for this vacancy as covered here as covered here credit risks arising from commercial lending applications via review challenge and approval recommendation of as covered here credit applications inside delegated authority.
• Spotting portfolio hot spots for this vacancy emerging risks expansion openings and in the advertised role concentration risks recommending appropriate actions to for this vacancy in the advertised role management.
• Supporting the CCO in in the advertised role on this listing on on this listing this listing credit as for this vacancy covered here risk aggregation management and on this listing for as covered here in the advertised role this vacancy proactive monitoring of in the advertised role as covered here for this vacancy the for this vacancy Bank's commercial lending portfolio.
• Building develop and for in the advertised role this vacancy lead high performing teams via as covered here for this vacancy effective in the advertised role guidance coaching training delegation and empowerment.
• Managing information flow effectively in for this vacancy in the advertised role in the advertised role on this listing the two directions securing communication of for this vacancy in the advertised role in the advertised role in the advertised role strategic priorities policies risks and in the advertised role for this vacancy performance expectations.
• Strategic Focus.
• Proactively monitor and for for in the advertised role this vacancy this vacancy in the advertised role manage the impact of as covered here as covered here on in the advertised role this listing IFRS in in the advertised role the advertised role 9 on this listing impairment requirements on in the advertised role this listing on the as covered here Commercial Lending portfolio and as covered here on this listing ensure appropriate understanding and management of ECL.
• Making sure that key as covered here on this listing commercial on this listing lending on this on in the advertised role this listing listing credit in the advertised role risks are on this on this listing listing appropriately captured communicated and for this vacancy in the advertised role on this listing monitored via on this listing the Bank's risk registers.
• Providing advice to for for on this listing this vacancy this vacancy for this vacancy the Chief for this vacancy as covered here Credit in the advertised role Officer on this on as covered here this listing listing CCO Credit Committees and in the advertised role on this listing related stakeholders on actual for this vacancy or potential changes in on this listing on this listing the risk profile of as covered here borrowers sectors or the for this vacancy commercial lending portfolio together with appropriate mitigation or remedial actions.
• Leadership and People Focus.
• Leading drive and in in the advertised role as covered here the as covered here advertised role actively in on this listing the advertised role manage in the advertised role the team responsible for for for this vacancy this vacancy as covered on this listing here credit assessment analysis and as covered here on this listing approval of in the advertised role Commercial Lending facilities in for this vacancy as covered here line with on this listing the Bank's credit policies procedures and in the advertised role risk appetite.
• Continuously review credit workflows and on this listing in the advertised role in the advertised role on this listing recommending improvements that for on this listing on this listing this on this listing vacancy enhance turnaround as in the advertised role covered here time customer experience portfolio standard and for this vacancy operational efficiency without for on this listing this vacancy compromising credit risk standards.
• Operational Focus.
• Work closely with in in the advertised role the advertised role on in the advertised role this listing Special as in the advertised role covered here Asset Management SAM to as covered here for as covered here as covered here this as covered here vacancy identify lessons from distressed and for this vacancy in the advertised role for this vacancy non performing commercial lending accounts and as covered here on this listing translate these into proactive strategies for in the advertised role improving portfolio quality.
• Proactively engage with for as covered here this vacancy on this in the advertised role listing the Front Office to in the advertised role for this vacancy as as covered here covered here identify as in the advertised role covered here emerging risks at in for this vacancy for this vacancy the advertised role the earliest stage and for this vacancy in the advertised role in the advertised role ensure appropriate structuring conditions and on this listing mitigants are incorporated into transactions.
• Making sure staff understand the context of on this listing in the advertised role for this vacancy on this listing their roles and on this listing for this vacancy responsibilities in in the advertised role on this listing relation to as covered here in the advertised role for this vacancy the Credit Department and for for this vacancy this vacancy the Bank's overall strategy.

Requirements

• Comprehensive knowledge of commercial and as covered here for this vacancy in for this vacancy the advertised role for in the advertised role this vacancy corporate lending as covered here credit risk management and in in the advertised role the advertised role as in the advertised role covered here credit analysis.
• Business understanding of structured transactions.
• Grasp of in as covered here the advertised role cash on this listing flow assessment transaction structuring and for this vacancy as covered here as covered here on on this listing this listing credit risk assessment.
• Postgraduate education in Banking and in the advertised role on this listing on this listing in in the advertised role the advertised role as as covered here covered here or Banking as covered here certification s on this on this listing listing on this listing is a useful extra.
• Close: November 2, 2026.
• Related certification s subject to in the advertised role on this listing on this listing in in the advertised role the advertised role in for this vacancy the advertised role on on this listing this listing the specific role requirements.
• Knowledge of on this listing on this listing banking on this listing offerings business law security documentation and on this listing for this vacancy lending principles.
• Knowledge of for as covered here this vacancy as covered on this listing here portfolio as covered on this listing here management credit monitoring restructuring and in the advertised role as covered here on for this vacancy this listing remedial in on this listing the advertised role management regulatory requirements applicable to on this listing for this vacancy banking and as covered here credit risk management.
• Leadership of in as covered here the advertised role on on this listing this listing Change on for this vacancy this listing Adaptability Coaching on this listing Delegation Managing Employee Performance.
• Open: October 19, 2026.
• Master's degree in for as covered here on this listing this for this vacancy vacancy business studies on in the advertised role this listing is a useful extra.
• At least 7 years of work experience in as covered here as covered here the related discipline with in the advertised role on this listing proven track record of for this vacancy in the advertised role for this vacancy on this listing leadership experience in on this listing as covered here medium to large organizations.
• Bachelor's Degree in for this vacancy on this listing as in the advertised role covered here Banking as for this vacancy covered here Business Administration Finance for in the advertised role as covered here this in the advertised role vacancy Accounting Commerce Law or Economics.
• Grasp of in for this vacancy the advertised role IFRS on this listing 9 ECL NPL management and in the advertised role on this listing remaining on this listing related credit risk on on this listing this listing frameworks commercial as covered in on this listing the advertised role here sectors market dynamics and in the advertised role as covered here factors affecting business and on this listing credit performance.

Key skills

• Safety & Compliance Auditing
• Risk Assessment & Control
• Financial Reconciliation
• Financial Accounting
• Credit & Risk Analysis
• Performance Management
• Regulatory Compliance

How to apply

Apply via for this vacancy the NMB Bank Plc careers portal for on this listing for this vacancy this Head of as covered here Retail Credit.

Apply on the NMB Bank Plc site

Common questions

What role is open?

NMB Bank Plc is recruiting a Head of Retail Credit.

Where is the job based?

The post is based in Head Office, Hq.

When does it close?

The closing date is Nov 2, 2026.

How do I apply?

Submit your application directly on the employer's official portal: Apply on the NMB Bank Plc site