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.
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 and Knowledge
- Credit analysis skills.
- Strong interpersonal, communication, leadership and relationship-building skills.
- Effective communication in English, both written and spoken.
- Excellent proficiency in Microsoft Office Suite.
- Networking and market intelligence skills.
- Prior experience working with C-suite professionals and teams.
Experience
Minimum 4-6 years' experience in Credit Analysis.
- 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.
- 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.
- Credit analysis skills.
- Strong interpersonal, communication, leadership and relationship-building skills.
- Effective communication in English, both written and spoken.
- Excellent proficiency in Microsoft Office Suite.
- Networking and market intelligence skills.
- Prior experience working with C-suite professionals and teams.
- University degree in Economics, Business Administration, Finance, or a related field.
Vacancy title:
Manager Program Lending
[Type: FULL_TIME, Industry: Banking, Category: Management, Business Operations, Accounting & Finance]
Jobs at:
Equity Bank Tanzania
Deadline of this Job:
Friday, September 4 2026
Duty Station:
Dar es Salaam | Dar es Salaam
Summary
Date Posted: Wednesday, August 26 2026, Base Salary: Not Disclosed
JOB DETAILS:
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.
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 and Knowledge
- Credit analysis skills.
- Strong interpersonal, communication, leadership and relationship-building skills.
- Effective communication in English, both written and spoken.
- Excellent proficiency in Microsoft Office Suite.
- Networking and market intelligence skills.
- Prior experience working with C-suite professionals and teams.
Experience
Minimum 4-6 years' experience in Credit Analysis.
Work Hours: 8
Experience in Months: 48
Level of Education: bachelor degree
Job application procedure
Interested in applying for this job?
Click here to submit your application now
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If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit:
- Job application cover letter.
- Detailed resume.
- Copies of relevant certificates.
- Relevant testimonials.
All documents should be submitted in a single PDF file format, quoting the respective Job Title or Reference Number in the subject field.
Application Deadline: Friday, 04 September 2026
Only shortlisted candidates will be contacted.
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