Manager: Digital Lending at NBC Tanzania

NBC Tanzania is looking for an experienced professional to fill the position of Manager: Digital Lending in Dar es Salaam. The role is responsible for leading the growth, development, and overall management of the Bank’s digital lending portfolio, covering products such as salary advances, personal digital loans, pre-approved credit, and embedded lending solutions.

The successful candidate will combine banking, digital finance, credit risk, product management, and fintech expertise to deliver fast and data-driven lending services. This position also involves developing strategic partnerships, improving digital customer journeys, managing portfolio performance, and driving profitable growth through automated lending channels. The application deadline is 15 September 2026.

Why Choose NBC Tanzania?

A career in digital lending offers an opportunity to work at the intersection of banking and financial technology. As Manager: Digital Lending, the successful candidate will have the opportunity to:

• Lead the development and expansion of digital credit products.
• Work with fintechs, mobile money operators, payroll platforms, and digital marketplaces.
• Use customer and transactional data to improve lending decisions.
• Drive innovation in automated credit assessment and loan disbursement.
• Manage digital lending growth while maintaining strong credit quality.
• Contribute to improving the customer experience across digital channels.

What to Expect from the Manager: Digital Lending Role

The Manager: Digital Lending will oversee the complete digital lending lifecycle, from customer acquisition and product adoption to credit assessment, disbursement, repayment, and portfolio monitoring. The role requires a strong commercial mindset while ensuring that digital lending activities remain within the Bank’s risk appetite and regulatory requirements.

Responsibilities include:

• Develop and execute NBC’s digital lending growth strategy.
• Manage salary advances, personal digital loans, pre-approved credit, and embedded lending products.
• Drive customer acquisition, activation, repeat borrowing, and customer lifecycle optimization.
• Deliver targets for loan book growth, revenue, interest income, and fee income.
• Identify and expand opportunities such as payroll-linked lending, behavioural scoring, and pre-approved credit.
• Develop performance dashboards covering disbursements, approval rates, conversion ratios, cost-to-serve, and portfolio profitability.
• Increase market share by positioning NBC as a leading provider of instant and embedded digital credit.
• Lead digital lending campaigns designed to increase uptake of salary advances and instant loans.
• Optimize customer journeys to improve conversion and approval rates.
• Reduce time-to-cash and support instant or near-instant lending.
• Work with marketing, retail, and digital teams to deliver targeted customer acquisition campaigns.
• Use customer segmentation and behavioural insights to improve campaign results.
• Drive cross-selling and upselling of digital credit products.
• Monitor the complete digital lending funnel from customer awareness through repayment.
• Ensure pricing, eligibility rules, and credit policies are correctly implemented across digital channels.
• Develop and manage partnerships with fintech companies, mobile money operators, payroll platforms, aggregators, and digital marketplaces.
• Develop embedded lending models, including API-based lending, co-lending, referral partnerships, and white-label credit solutions.
• Negotiate commercial agreements covering revenue sharing, risk alignment, and scalability.
• Integrate external platforms into NBC’s digital lending ecosystem.
• Ensure partners comply with credit risk frameworks, regulatory requirements, and operational standards.
• Identify new ecosystem opportunities for expanding digital lending beyond traditional banking channels.
• Work with Credit Risk teams to develop and improve digital credit scoring models and underwriting rules.
• Monitor portfolio indicators such as PAR, NPL, early arrears, and default trends.
• Ensure portfolio performance remains within the Bank’s risk appetite.
• Implement risk mitigation measures, including limit management, behavioural triggers, and early-warning systems.
• Automate credit decisioning, loan origination, and disbursement processes.
• Ensure compliance with credit policies, regulatory requirements, audit standards, and governance frameworks.
• Improve credit models using behavioural, transactional, and alternative data.
• Equip sales teams with appropriate tools, market intelligence, training, and support.
• Ensure a seamless customer experience across digital lending channels.
• Improve onboarding, application, approval, and disbursement processes.
• Reduce customer friction while improving satisfaction and retention.
• Improve service quality, response times, and issue resolution.
• Act as an escalation point for complex customer, partner, and system-related lending matters.
• Promote a customer-first culture across digital lending operations.
• Ensure high availability and operational stability of digital lending platforms.

Qualifications Required

Applicants for the Manager: Digital Lending position should have the following qualifications and experience:

• Bachelor’s degree in Finance, Economics, Business, Information Technology, or a related field.
• MBA is preferred.
• At least 5–8 years of experience in banking, fintech, or digital financial services.
• Strong experience in digital lending or consumer credit.
• Strong knowledge of mobile money lending ecosystems.
• Strong exposure to credit risk and credit scoring models.
• Experience in product management or portfolio management.
• Experience working with fintech companies.
• Experience working with telecommunications companies and telcos.
• Experience with API-driven platforms.
• Strong commercial mindset and business development skills.
• Excellent customer service and service delivery capabilities.
• Good digital and technology familiarity.
• Effective communication and stakeholder management skills.
• Strong knowledge of financial products and services.
• Sales management experience.
• Portfolio management expertise.
• Practical knowledge of digital lending.
• Strong understanding of credit risk management.
• Experience driving product adoption and business growth.
• Experience developing and managing fintech partnerships.
• Ability to make data-driven business decisions.
• Knowledge of process automation.
• Strong understanding of customer experience management.
• Change management skills.

How to Apply

Qualified candidates interested in the Manager: Digital Lending opportunity should submit their applications online through the NBC Careers portal. Applicants should ensure that their CVs and application information clearly demonstrate relevant experience in digital lending, fintech, credit risk, product management, and financial services.

• Position: Manager: Digital Lending
• Company: NBC Tanzania
• Location: Dar es Salaam, Tanzania
• Employment Type: Full-Time
• Deadline: 15 September 2026
• Application: CLICK HERE TO APPLY

CHECK ALSO: JOBS IN TANZANIA 2026

For more employment opportunities in Tanzania, continue checking AjiraLatest.com for the latest vacancies from banks, fintech companies, private organizations, government institutions, NGOs, and other employers.

The Manager: Digital Lending position is a strong opportunity for an experienced banking or fintech professional with expertise in digital credit, portfolio management, credit risk, and financial technology. Interested candidates should review the requirements carefully and submit their applications before the stated deadline.