Manager – Program Lending at Equity Bank Tanzania

Job Description Manager – Program Lending General Job Title: Manager – Program LendingReports to: Head of Credit UnderwritingFunction level: ManagerDepartment: 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. 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