Manager – IFRS 9, Portfolio Analytics & Reporting

Reports to: Head of Credit Underwriting

Department: Credit

Basic purpose

The Manager – IFRS 9, Portfolio Analytics & Reporting is responsible for providing high-quality credit portfolio analytics, IFRS 9/ECL oversight, management information and forward-looking portfolio insights to support informed credit and business decisions at Equity Bank Tanzania.

Main duties and responsibilities

• Coordinate the Bank’s credit portfolio analytics and reporting activities.
• Manage IFRS 9 Expected Credit Loss (ECL), Monitor ECL movements by:
  • Product
  • Segment
  • Branch
  • Sector
  • Customer type
  • Risk grade
  • Vintage
  • Stage
• Analyse significant increases in credit risk (SICR).
• Analyse the key ECL drivers, including:
  • Probability of Default (PD)
  • Loss Given Default (LGD)
  • Exposure at Default (EAD)
  • Discounting
  • Forward-looking economic scenarios
  • Macroeconomic assumptions
• Provide portfolio-level analysis supporting Finance and Risk in ECL calculation and reporting.
• Identify unusual or unexpected movements in ECL and provide explanations to management.
• Support periodic IFRS 9 model performance reviews and validation exercises.
• Ensure portfolio data for portfolio analysis calculations is accurate, complete and reconciled.
• Track cures and movement among loan stages back to performing status where applicable.
• Recommend early intervention where stage migration indicates emerging portfolio risk.
• Establish a robust vintage analysis framework to monitor the quality of newly originated loans.
• Convert complex data into concise management insights.
• Identify emerging concentration risks and provide recommendations to the Head of Credit Portfolio Management.
• Analyse whether portfolio returns adequately compensate for credit risk.
• Establish strong controls over credit portfolio data. Reconcile credit portfolio data between source systems and management reports. Ensure accurate classification of exposures.
• Ensure consistency of data definitions across Credit, Risk and Finance. Establish appropriate controls over data extraction and reporting.
• Support internal and external audits relating to IFR 9 ECL, Credit portfolio reporting, Data integrity.
• Provide accurate portfolio analytics and data required for regulatory reporting and supervisory reviews, working with Finance, Risk and Compliance.
• Develop analytical indicators that identify emerging deterioration before accounts become NPLs.
• Support monthly and quarterly portfolio review meetings by providing:
• Monitor guarantee schemes reporting accuracy. (PASS, AGF) etc

Qualifications

University degree in Economics, Business Administration, Finance, or a related field.

Skills & knowledge

• Strong interpersonal, communication, leadership and relationship-building skills.
• Effective communication in English (both written and spoken).
• Excellent Microsoft suite proficiency
• Networking and market intelligence skills.
• Prior experience of working with C-suite professionals/teams
• Knowledge in IFRS9 reporting
• Portfolio Analytic and Monitoring

Experience

Minimum 4–6 years’ experience in Credit Administration and – IFRS 9, Portfolio Analytics & Reporting

Application

If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format, quoting the respective Job title or Ref no. in the subject field to TZRecruitment@equitybank.co.tz by Friday 04th September 2026. Only short-listed candidates will be contacted.

Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.

By submitting your application, you consent to Equity Bank Tanzania Limited collecting and processing your personal data strictly for recruitment, selection, and, where applicable, employment purposes. Equity Bank Tanzania Limited will process your personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy. Your personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation.