Manager – Credit Governance

Reports to: Head of Credit

The Manager – Credit Governance is responsible for establishing and maintaining a strong credit governance, policy, control and oversight framework across Equity Bank Tanzania’s credit lifecycle.

The role ensures that credit activities are undertaken in accordance with the Bank’s approved Credit Policy, Delegated Authority Matrix, regulatory requirements, risk appetite, approved credit processes and governance standards.

Main Duties and Responsibilities

• Maintain and continuously strengthen the Bank’s credit governance framework.
• Ensure clear governance throughout the credit lifecycle from: Origination → Appraisal → Approval → Documentation → Disbursement → Monitoring → Remedial Management → Recovery.
• Ensure appropriate segregation of duties between Business, Credit, Risk, Operations and Recovery functions.
• Monitor adherence to approved credit governance standards.
• Identify governance weaknesses and recommend corrective actions.
• Maintain a centralized register of key credit governance requirements.
• Ensure credit governance practices remain aligned with the Bank’s strategic objectives and risk appetite.
• Ensure policies remain relevant to the Bank’s portfolio strategy and operating environment.
• Coordinate periodic reviews of credit manuals, product programmes and lending guidelines.
• Ensure approved policy changes are properly communicated to relevant stakeholders.
• Monitor compliance with the Bank’s Delegated Credit Authority Matrix.
• Review and track credit approval exceptions and authority breaches.
• Monitor material breaches to the Head of Credit Portfolio Management and relevant governance forums. This includes:
  • Unauthorized approvals
  • Approval splitting
  • Circumvention of delegated authority
  • Unauthorized condition waivers
  • Post-approval amendments
  • Unapproved limit excesses
• The Manager will act as a key coordinator for credit governance forums and ensure that committees operate within their approved mandates. Coordinate agendas for relevant credit committees, ensure credit papers are submitted within agreed timelines, Maintain accurate minutes and decision records.
• Establish and maintain a comprehensive framework for managing credit exceptions.
• Conduct periodic governance reviews of credit files and processes. Test compliance with approved credit terms and conditions, Review whether actual facilities reflect approved terms.
• Track repeat audit findings and ensure sustainable corrective action.
• Monitor closure of audit issues within agreed timelines.
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• Ensure regulatory examination findings are properly addressed.
• Review the end-to-end credit process to identify inefficiencies and control gaps. Recommend process improvements that enhance both risk control and customer experience.
• Work with Credit Operations, Technology and Business teams to automate manual controls.
• Working under the Head of Credit Portfolio Management, the Manager will support the development of a strong credit risk culture across the Bank.
• Establish a structured process for converting credit experience into improved underwriting standards.
• Maintain a centralized tracker for all material credit governance decisions and actions.
• Develop regular Credit Governance reports for the Head of Credit Portfolio Management and senior management, The dashboard should provide management with an early view of emerging governance weaknesses.

Qualifications

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

Skills & Knowledge

• Strong interpersonal, communication, 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 Administration and Governance

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.