Job Description​

Key Accountabilities

Accountability:  -50%

Analysis, evaluation, and recommendation of credit applications.

Outputs to deliver this accountability:

• Preparation of credit applications for recommendations to the sanctioners.
• Ensures that all credit applications are assessed within the agreed SLA time.
• Ensuring that his/her assessment and recommendations of credit applications comply with requirements as per approved credit and provisioning policy.
• Work in partnership with RMs on new and existing credit applications, providing guidance on credit appetite and consulting with Credit Team as appropriate
• Attend customer meetings with the Relationship manager if credit related issues are to be discussed/need to be resolved.

Accountability:  -15%

Filing information into customer information credit monitoring files without fail. 

Outputs to deliver this accountability:

• Ensure that all registers are marked appropriately and kept up to date.
• Ensure that all appropriate records are filed in an acceptable way. Files are appropriately stored.

Accountability:  -35%

Monitoring performance of clients’ accounts and where necessary propose remedial measures.

Outputs to deliver this accountability:

• Monitor and Control quality of portfolio using Condition of sanction triggers where possible. Discussing with sanctioners deteriorating trends and trigger events if they give cause of concern advising the Relationship Manager simultaneously
• Ensures that appropriate excesses are diarized, and new excess returns filed accordingly.
• Check on daily risk reports and work on exceptions and/or irregular behaviour.
• Provide specific instructions to RM and escalate any issue that will need other stakeholders’ attention.
• Ensure all facilities are timely reviewed.

Perform other duties as reasonably assigned.

Role / Person Specification

Education and Experience Required

• B-degree / Advance Diploma / Diploma or Equivalent qualification in Finance, Accounting, Economics, Business Admiration or any other related field
• At least 5 years of experience in Merchant Acquiring and / or card acquiring business environment
• Working general knowledge of acquiring markets, their drivers, industry dynamics, competitor solutions, interchange and future product service deliverables
• Knowledge of relevant third party suppliers (e.g. technology)
• An up to date knowledge of industry related developments
• Full and extensive knowledge of NBC  acquiring solutions
• An up to date knowledge of Industry related technical development
• Proven personal experience of managing customer situations within complex decision
• May have experience in the Business to Business Financial Services Sector
• Fully aware of Industry trends (local and overseas).

Knowledge & Skills: (Maximum of 6)Competencies:  (Maximum of 8 competencies)

• Deciding and initiating action
• Learning and researching
• Entrepreneurial and commercial thinking
• Relating and networking
• Adapting and responding to change
• Persuading and influencing
• Creating and innovating
• Strong solutioning, selling and negotiation skills
• Excellent diagnostic skills and rigorous approach to problem solving
• Excellent communication and sound financial skills
• Excellent comprehension skills to understand and interpret industry data and economic trends
• Strong formal presentation skills to gain acceptance to solutions, both internally and externally
• Team-working skills
• Basic IT Knowledge as well as core banking platform i.e. Flex
• Strong formal presentation skills to gain acceptance to business cases, solutions, both internally and externally

Mental & Environmental Demands

(RSA Specific)

Special work requirements:

• Experience Leading Business Unit in a reputable organization
• Knowledge of banking and financial environment in emerging markets
• Commercial or related qualification would be an added advantage

Most complex decision that can be taken without referral to the manager:

• Customer acquisition

Business change accountability:  

• Various

Finance/Resource accountability:

• <=TZS 7.5billion Revenues

Communication and Interaction required:

Staff in own area

(manager, subordinates, colleagues)

20%

Staff outside own area

20%

Internal customers

(other than staff in own area)

10%

External Customers

40%

Regulators/Government Agencies

3%%

Vendors/Suppliers

3%

Other

(e.g. Industry Forums/Associations)

4%

Qualifications

Credit Risk (Meets some of the requirements and would need further development), Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment, Further Education and Training Certificate (FETC) – Business, Commerce and Management Studies, Openness to change (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements)