0 Negotiable or Not Mentioned
Tanzania
9 days ago
imbank.co.tz
14 Applied 10 Pro Applied
imbank is actively seeking a highly experienced and strategic Digital Products Lead to spearhead the advancement of its digital lending portfolio. This pivotal role involves driving continuous growth, optimizing performance, and fostering innovation across all digital lending products. The successful candidate will be instrumental in shaping the future of digital financial services, ensuring market competitiveness and superior customer satisfaction.
Key responsibilities for this role include comprehensive product strategy and lifecycle management, overseeing the health and performance of the digital lending portfolio, and facilitating seamless technology and partner integrations. The lead will also be crucial in enabling growth through robust cross-functional collaboration and managing stakeholder relationships with effective reporting. This position demands a visionary leader capable of translating market needs and strategic objectives into successful product initiatives and market-leading solutions.
Key Requirements
6-8 years of progressive experience in fintech or digital banking, demonstrating a clear career progression.
Proven expertise and hands-on experience in digital lending product development, management, and innovation.
Strong analytical product skills coupled with a robust understanding of data-driven decision making and performance metrics.
Demonstrated leadership capabilities in guiding product teams and cross-functional initiatives to successful outcomes.
Ability to develop and execute comprehensive product strategies that align with business goals and market demands.
0 Negotiable or Not Mentioned
Tanzania, Dar es Salaam
18 days ago
eximbank.co.tz
14 Applied 10 Pro Applied
This role is for a Credit Origination Officer at EXIM BANK, responsible for overseeing the Originations and Monitoring Division. Key responsibilities include reviewing, recommending, and facilitating the credit sanctioning process, alongside comprehensive monitoring of the credit portfolio. The officer will also provide expert loan advice and ensure strict adherence to all lending policies and regulatory frameworks.
The officer will perform crucial tasks such as assessing customer credit risks and creditworthiness for both individuals and businesses, preparing thorough assessments, and collaborating closely with underwriting and collection teams to optimize loan performance. This involves recommending applications that align with the Bank's Risk Acceptance criteria while aiming for optimal returns. Pre-sanction visitations to client premises are required to verify business existence, continuity, and to discuss progress and challenges related to lending, offering technical support where necessary.
A significant part of the role involves assisting the Origination and Monitoring Manager in identifying market trends and formulating strategic directions for the department's end-to-end credit process. The officer is also responsible for ensuring proper implementation of the Bank's Risk policies and procedures, as well as maintaining regulatory and statutory compliance. Participation in product development and providing feedback for post-implementation reviews are expected.
Building and maintaining strong client relationships is paramount to support sound credit decisions. The role also encompasses identifying, measuring, and managing credit risk across a diverse range of on and off-balance sheet asset classes. The officer must ensure that agreed Service Level Agreements (SLA) and Turnaround Times (TAT) are met according to business demands. Proactive identification of early warning signals and immediate remedial measures to mitigate risks, along with ensuring timely renewal of all overdraft facilities, are critical.
Additional responsibilities include the preparation and issuing of offer letters and advise letters for clients, providing any information requested by Management, Credit Committee, or the Board, and supporting relevant stakeholders within and outside the department with assigned tasks. The job is located in Dar es Salaam, Tanzania.
Key Requirements
Bachelor's degree in Accounting, Finance, Business Administration, Economics, or a related field
Minimum of 2 years of relevant experience in the Credit Department, preferably Retail and/or SME lending
Strong analytical and credit risk assessment capabilities, with the ability to assess creditworthiness and financial statements effectively
Excellent verbal and written communication skills
Ability to manage Originations and Monitoring Division in reviewing, recommending, and facilitating credit sanctioning processes