Relationship Manager – Business

Department: Retail Banking

Number of Vacancies: 7

Location: New Branches (Ubungo, Zanzibar, Songea, Kigoma, Masaki, Tanga, Arusha)

Basic Purpose

The Relationship Manager – Business will provide a supervisory role to the staff members working under the branch business development unit. The role involves coordinating activities of the unit by leading the team on sales and business development to ensure growth of customer base, CASA and term deposits, high-quality loan NPL, improvement of loan portfolio (both PAR 30% and PAR 90%), growth of non-funded income (NFIs), cross-selling of bank products, and maintaining good relationships with clients in line with key performance indicators (KPIs).

Main Duties and Responsibilities

• Identify and negotiate business opportunities that will grow branch business in line with annual business targets and bank strategy.
• Develop and implement an annual business plan and sales strategy that contributes to the overall business plan of the branch and bank strategy.
• Ensure growth of CASA deposit, contributing to 70% of the total branch deposits.
• Ensure growth of a quality loan portfolio across all customer segments and business sectors to generate profit in line with business targets.
• Ensure growth of customer base and active operation of their bank accounts.
• Ensure recruitment of Equity Agents and Super Agents in line with branch targets and growth of transaction numbers.
• Recruit merchants, monitor performances of all POS in the area to ensure attainment of unit targets in line with branch objectives and goals.
• Ensure customers are onboarded on ABC platforms and growth of transaction numbers to reduce branch traffic and grow NFIs.
• Ensure growth in NFIs by cross-selling trade finance products, increasing transactional banking services, insurance, and other products and services that generate NFIs.
• Cross-sell bank products and ensure product usage per customer is enhanced to at least 8 products per customer.
• Ensure the number of dormant accounts is reduced to a minimum, at least 15% of total branch customers.
• Manage and enhance existing business relationships within the portfolio to ensure customer retention in line with business needs.
• Review own and other loan portfolios and recommend appropriate interventions to ensure performance in line with approved performance indicators and targets.
• Liaise with stakeholders (e.g., clients, government institutions, other financial institutions) to ensure the bank’s interests are properly represented and safeguarded.
• Supervise, provide guidance, and mentor Relationship Officers to ensure onboarding of quality business and adherence to bank policies, including KYC and anti-money laundering policies.
• Meet and interact with segmented clients to build confidence in new ventures, maintaining loyalty.
• Provide timely reports, recommendations, and feedback to supervisors and top management on business developments and progress.
• Liaise and coordinate activities with the Commercial Department and other stakeholders at Head Office.
• Advise the Business Growth and Development Manager (BGDM) on branch matters concerning business growth and people management.
• Participate in the preparation of the branch budget and annual plan.
• Carry out any other related duties as assigned by the BGDM relevant to the bank’s business.
• Collect and prepare market intelligence information on corporate and retail products and services to ensure business growth in line with branch goals.

Knowledge, Skills, and Experience

Skills:

• Demonstrated understanding of the bank’s major product offerings, including syndication, co-financing, club deals, correspondent banking products (letters of credit, factoring, forfaiting), structured trade finance, carbon financing, corporate finance risk participations, project-related financing, and knowledge of how these work.
• Demonstrated understanding and experience of the structured trade finance operating model as a basis for mitigating risks in potential business transactions, especially in credit risk management and monitoring.
• Ability to communicate and function in a culturally diverse and change-oriented setting with knowledge of the main segments of trade finance markets and participants in major regions of Africa.
• Excellent verbal and written communication skills in English. Knowledge of the bank’s other working languages is an added advantage.
• Proven experience in marketing trade and project finance products will be a distinct advantage.
• Willingness to travel extensively and work long hours where required to achieve the bank’s objectives.

Work Experience:

• Sound experience of at least 3 years in banking and familiarity with the bank’s major business development channels in trade finance, project finance, export development, and asset financing.
• Proven track record in portfolio management, business development, and client acquisition.

Education:

• Bachelor’s degree in Finance, Business Administration, Economics, or a related field.
• Professional certifications (e.g., Certified Financial Planner, Credit Analyst) are a plus.
• Formal credit training is highly valued.

Regulatory Knowledge:

• Strong understanding of banking regulations, compliance standards, and risk management.
• Familiarity with KYC, AML, and credit policies.

Application Deadline: 3rd October, 2025

To Apply: Please submit your application quoting the Job title on the subject field to: TZRecruitment@equitybank.co.tz