Credit Operations Officer; Retail (Fixed Term – 2 Years)

Job Location: Head Office, Tanzania

Job Purpose:

Responsible for ensuring accuracy and timely disbursement of retail loans and related credit operations to minimize risk while maintaining quality of the loan book. Ensure all booked loans are in line with credit policies and procedures.

Main Responsibilities:

• Support the management in ensuring all the agreed SLAs with business are met and ensure continued customer satisfaction while reducing risk and maintaining book quality.
• Maintain portfolio quality on agreed thresholds by ensuring loans are disbursed in line with agreed SLAs and accuracy.
• Ensure the daily logs of disbursement is done as per SLA.
• Receive allocated logs of pending applications and ensure disbursement is done in accordance with credit policy and procedure per product.
• Advise the management on gaps and areas that need improvement to attain efficiency and accuracy on his/her daily work.
• Review allocated drawdowns and ensure completion before disbursement.
• Create, extend, and amend all overdraft limits as per credit approval and customer requests.
• On a daily basis, ensure disbursement of all loans submitted from business are being done within agreed SLA.
• Verify and ensure customer data are correctly captured in the core banking system and loan management system before disbursement.
• Time to time analysis of the existing disbursement checklist and advise the management on gaps or improvement.
• Timely amendment of accounts wrongly booked and approved for amendment from credit administration, business banking and consumer banking.
• Timely reporting of suspicious transactions, applications, risk events and incidences as per the procedure.
• Validate and create limits for the credit card at retail level after approval.

Knowledge and Skills:

• Operational understanding of the loan cycle, NMB lending policies and loan products.
• Technical Data analysis, Computer literacy (Excel application is crucial) and Core banking system
• Behavioral Time Management, Teamwork, attention to details, taking initiatives.

Qualifications and Experience:

• Bachelor's degree in Banking, Finance, Commerce, Accounting, Economics or related fields.
• Banking operations certification is an added advantage
• Banking experience of more than 2 years preferably in Credit Operations either in Retail or Wholesale operations.

NMB Bank Plc is an Equal Opportunity Employer. We are committed to creating a diverse environment and achieving a gender balanced workforce.Female candidates and people living with disabilities are strongly encouraged to apply for this position.NMB Bank Plc does not charge any fee in connection with the application or recruitment process. Should you receive a solicitation for the payment of a fee, please disregard it.Only shortlisted candidates will be contacted.

Job opening date : 13-Aug-2025
Job closing date : 27-Aug-2025