Manager – Program Lending

Reports to: Head of Credit Underwriting

Function level: Manager

Department: Credit

Basic purpose

The Manager – Program Lending is responsible for the design, underwriting, implementation and ongoing management of structured lending programmes that enable Equity Bank Tanzania to scale lending efficiently while maintaining appropriate credit quality and risk controls.

Main duties and responsibilities

• Develop and implement the Bank’s Program Lending framework in alignment with the overall credit and business strategy.
• Identify scalable lending opportunities that can be delivered through standardized credit programmes.
• Translate market opportunities into structured lending propositions with clearly defined credit parameters.
• Develop programmes targeting, among others:
  • MSMEs
  • Retail customers
  • Agriculture and agribusiness
  • Value-chain businesses
  • Salaried customers
  • Women and youth enterprises
  • Supply-chain businesses
  • Strategic partnerships
  • Digital lending segments
• Assess the commercial viability and credit risk of proposed programmes.
• Prepare programme proposals for approval by the appropriate credit and management committees.
• Maintain underwriting discipline while supporting efficient turnaround times.
• Ensure programme lending does not compromise the Bank’s overall credit standards.
• Monitor actual portfolio performance against model expectations and recommend adjustments where required.
• Ensure each lending programme has clearly defined risk controls covering:
• Provide regular programme performance reports to the Head of Credit Underwriting and relevant committees.
• Recommend tightening or relaxation of programme parameters based on actual performance.
• Recommend pricing adjustments where programme performance does not support expected returns.
• Ensure each programme has a comprehensive operating manual.
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• Support the development of automated and digital lending solutions.
• Work closely with Business teams to ensure programme lending propositions are commercially viable and operationally practical.

Qualifications

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

Skills & knowledge

• Credit Analysis
• 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

Experience

• Minimum 4–6 years’ experience in Credit Analysis

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”.