Manager: Digital Lending
National Bank of Commerce Ltd | Head Office NBC | Full time | Deadline: September 15, 2026
Jobconnect analysis
The requirements below come from this advert. The accompanying CV suggestions are Jobconnect advice, not additional employer requirements.
Selected requirements and CV evidence
| Advertised requirement | Suggested evidence, if applicable |
|---|---|
| Bachelor’s degree in finance, Economics, Business, IT or related field (MBA preferred) | Give the exact qualification, institution and completion status. If your qualification differs, check whether the employer accepts an equivalent. |
| 5–8+ years’ experience in banking, fintech, or digital financial services | List relevant roles with month and year dates, and describe the work that matches this experience requirement. Do not count overlapping roles twice. |
| Strong exposure to: Digital lending or consumer credit, Mobile money lending ecosystems, Credit risk and scoring models and Product management or portfolio management | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| Experience working with fintechs, telcos, or API-driven platforms is a strong advantage | Choose a real example matching this specific requirement. Explain your task, your own action and the outcome; include tools or scale only where you can substantiate them. |
| Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets all of the requirements), 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 at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets all of the requirements) | Describe a real task in which you used this language or communication skill, such as a report, presentation or customer interaction. |
Application readiness checklist
- Advertised closing date: Sep 15, 2026. Check the employer instructions for the closing time.
- Use the application channel linked in this advert and check that the role and employer match before sending documents.
Position
Company
National Bank of Commerce Ltd
Location
Head Office NBC
Employment Type
Full time
Application Deadline
September 15, 2026
Job ID
R-15990768
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
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.Job Description
Accountability: 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 (mobile, USSD, app, API, 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.
Accountability: Digital Sales Execution, Product Adoption & Growth Engine (25%)
- Lead execution of structured digital lending campaigns to drive uptake of salary advances and instant loans.
- Optimise customer journeys to improve conversion rates, approval rates, and time-to-cash disbursement (target: instant or near-instant lending).
- 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 existing customer base using proactive pre-approved offers.
- Monitor and optimise 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.
Accountability: 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.
Accountability: 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, behavioral 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.
Accountability: Customer Experience, Digital Journey & Operational Excellence (10%)
- Ensure seamless end-to-end customer experience across all digital lending touchpoints (mobile, USSD, app, and partner channels).
- Eliminate friction in onboarding, application, approval, and disbursement journeys to maximise 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 and 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, Mobile money lending ecosystems, Credit risk and scoring models and Product management or portfolio management
- Experience working with fintechs, telcos, or API-driven platforms is a strong advantage
Qualifications
Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets all of the requirements), 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 at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets all of the requirements)Jobconnect application guidance
Before applying for Manager: Digital Lending, review the requirements carefully, tailor your CV to the role, and follow the instructions shown in the advert before Sep 15, 2026.
- Identify 2-3 requirements from the advert and make sure they are clearly visible in your CV, cover letter, or application message.
- Prepare a short application message that mentions the exact job title and why you fit the role.
- Keep your phone and email active after applying so you do not miss interview or assessment updates.
CV hints for this job
For Manager: Digital Lending at National Bank of Commerce Ltd, align your CV with the location and role context: Head Office NBC.
Interview preparation
Jobconnect practice questions, not confirmed employer interview questions. Base your answers on your own experience.
Advert requirement: Bachelor’s degree in finance, Economics, Business, IT or related field (MBA preferred) What relevant experience or training could you discuss for this non-mandatory criterion? Treat this as optional, not a new eligibility rule. Be honest about experience you do not have.
Advert requirement: 5–8+ years’ experience in banking, fintech, or digital financial services Which roles or assignments demonstrate the experience requested here? Explain the dates, your responsibility, your actions and the outcome. Do not count overlapping periods twice.
Advert requirement: Strong exposure to: Digital lending or consumer credit, Mobile money lending ecosystems, Credit risk and scoring models and Product management or portfolio management How would you demonstrate this requirement using a specific example from your work or training? Describe the task, your actions, relevant tools and outcome. Be clear about anything you have not yet done.
Advert requirement: Experience working with fintechs, telcos, or API-driven platforms is a strong advantage Which roles or assignments demonstrate the experience requested here? Explain the dates, your responsibility, your actions and the outcome. Do not count overlapping periods twice.
Advert requirement: Apply through Workday How would you demonstrate this requirement using a specific example from your work or training? Describe the task, your actions, relevant tools and outcome. Be clear about anything you have not yet done.
General practice What would you want the employer to clarify about this advert? Prepare a question about something genuinely unstated. Do not assume pay, benefits or working arrangements.
General practice What would you need to learn to perform this role well? Explain any gap honestly and the practical steps you would take to learn.
View sample application letter Dynamic draft tailored to this job post. Edit it before sending.
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Refer to the letter heading above, I am writing to apply for the Manager: Digital Lending position. After reviewing the advertised requirements, I believe my skills, experience, and commitment to professional results make me a strong candidate for this opportunity.
My background has prepared me to contribute effectively in work relevant to Manager: Digital Lending. I can bring relevant experience, strong attention to detail, and the ability to work responsibly with teams, clients, and organizational priorities. In tailoring this application, I would highlight evidence related to Bachelor’s degree in finance, Economics, Business, IT or related field (MBA preferred) 5–8+ years’ experience in banking, fintech, or digital financia.
I am especially interested in this role because it gives me an opportunity to apply my strengths, support the organization objectives, and continue growing professionally while delivering reliable results.
I have attached my CV and supporting documents for your review. I would appreciate the opportunity to discuss how my qualifications match this position before the application deadline of Sep 15, 2026.
Thank you for considering my application.
Apply through the official NBC Workday careers portal.
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