Credit Manager, Analytics & IFRS
Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania. The bank offers banking services to Individuals, Microfinance, Small to Medium sized Businesses (MSME), as well as large corporate clients. DCB Bank has a wide branch network of over 8 branches, over 1000 DCB Wakala Agents, and over 280 Umoja switch ATMs serving over 3 million customers across the country.
We invite suitably qualified candidates to fill the position of Credit Manager, Analytics & IFRS.
The successful candidate will be responsible for ensuring accurate and timely Expected Credit Loss (ECL) computation, portfolio monitoring, credit risk analytics, and full compliance with Bank of Tanzania (BoT) credit-related regulations.
Responsibilities
- Leading the end-to-end IFRS 9 impairment process for the bank, including data extraction, model runs, staging, overlays, and journal postings.
- Ensuring accurate computation of ECL for all portfolios (Retail, SME, Corporate, staff loans, off-balance sheet exposures) and periodic ECL reporting to finance and external auditors.
- Maintaining and updating IFRS 9 models, assumptions, and macroeconomic overlays in line with regulatory requirements and best practices.
- Overseeing portfolio performance monitoring, including NPL movements, trends, transitions, and risk migration.
- Establishing Early Warning Indicators (EWI) and analytics on arrears, account utilization, behavioral trends, and delinquency patterns.
- Monitoring covenant adherence for all credit customers and escalate breaches promptly.
- Providing insights on sectoral distribution, concentration risk, and portfolio quality against approved limits.
- Ensuring full compliance with BoT credit-related regulations, guidelines, and circulars.
- Coordinating and review all regulatory credit reports including CRB reports, sectoral exposure reporting, and statutory returns.
- Developing and maintain Management Information System (MIS) reports for credit performance, ECL analytics, and regulatory metrics.
- Supervising and train credit and risk teams on IFRS 9 concepts, analytics, and regulatory expectations.
- Providing strategic insight to senior management to support credit policy decisions and portfolio strategies.
Qualifications and Experience
- Bachelor’s degree in Finance, Accounting, Economics, Statistics, Actuarial Science, Data Analytics, Mathematics, or a related quantitative discipline from a recognized institution.
- 3 years’ experience in IFRS 9 impairment modelling and reporting, risk analytics, portfolio monitoring, or regulatory reporting within a bank or financial institution.
- Strong understanding of Bank of Tanzania (BOT) credit regulations, prudential guidelines, and reporting requirements.
Application Instructions
If you believe you are the right candidate for this position, kindly submit your application with a detailed CV, photocopies of academic certificate, and names of three referees with their contacts, quoting reference number DCB-CR-CRM/IFRS-12/2025 about the email.
To be considered, your application MUST be submitted through recruitment@dcb.co.tz not later than 8 January 2026. Hard copy applications will not be accepted.
