Manager – Ecosystem & Digital Lending
Manager – Ecosystem & Digital Lending Job Description
General Information
- Job Title: Manager – Ecosystem & Digital Lending
- Department/Division: Digital Lending
- Number of Vacancies: 1
Basic Purpose
- To drive and implement ecosystem banking solutions in the distribution ecosystems industry and position the bank as the first and most efficient financial institution offering the solution.
- To link retail, MSMEs, and corporates to effective and affordable banking solutions and drive liabilities and assets for the bank.
- To drive the branches’ ecosystem and digital lending portfolio for retail, MSME, agency, and merchant segments.
- To focus on ecosystem deposit mobilization, customer onboarding, and growth of the digital lending portfolio.
- To manage day-to-day functional units in support of the senior manager, primarily focusing on back-office technical support and project development.
Main Duties and Responsibilities
- Initiate, recruit, and build strong business relationships with the anchors ecosystem (suppliers, distribution, and other stakeholders).
- Mobilize liabilities and increase retention in line with the ecosystem’s annual targets through distributor and ecosystem collections.
- Ensure accurate capture of deposits from all borrowing customers under the digital lending value chain and the ecosystem.
- Create ecosystem and digital lending product awareness in the market, recruit, train, and maintain close business value relationships with all clients in assigned branches.
- Train staff at the branch on digital products and self-onboarding for access to digital loans.
- Digitize all ecosystem value chain customers and other segment customers that fall under digital lending.
- Act as custodian of all ecosystem and digital lending files at the head office to ensure compliance and proper KYC.
- Monitor loans given under the digital portfolio and ensure maintenance of a high portfolio quality.
- Manage early arrears through daily repayment tracking, issuance of demand notices, security placement requests, recovery visitations, facility restructuring, and follow-up with assigned branches.
- Ensure 100% compliance with bank policies and procedures on ecosystem and digital lending onboarding.
- Gather functional and non-functional business ideas and analyze them to design process flows and documentation.
- Participate in the management of digital projects related to the bank’s online channels to ensure technical integration and developments align with business requirements, resulting in a seamless and user-friendly customer digital interface.
- Work closely with internal stakeholders and external vendors on project planning and execution of digital lending projects.
- Facilitate relevant customer awareness initiatives to allow for greater product adoption.
- Continuously review and implement customer and business feedback to improve the product.
- Engineer product process flows and test them before going live for customer consumption.
- Monitor and analyze various customer segments to advise the business on areas of improvement.
- Conduct market research and develop new products or improve existing ones.
- Support the business in enhancing the customer experience through research, surveys, and analysis to identify customers’ needs.
- Facilitate the bank in minimizing risks in the channel-driven lending business through thorough analysis.
- Ensure proper reporting, documentation, and review to determine that lending to respective segments is within acceptable risk.
- Ensure all staff are up-to-date with product knowledge, product use, related product applications, and informed about business changes and dynamics.
- Prepare weekly reports on performance and business trends for internal management through interactive management dashboards.
- Cross-sell other bank products and services to existing and potential customers.
- Perform any other duties as assigned by the supervisor.
Knowledge, Skills, Qualifications, and Experience
Knowledge and Skills:
- Risk management
- Financial analytical skills
- Technology and digital lending
- Cross-selling
- Relationship management
- Negotiation skills
Skills:
- Effective listening skills
- Good communication skills
- Problem-solving skills
- High level of integrity
- Excellent time management
Qualifications and Education:
- Business-related degree from a recognized university
- Master’s degree is an added advantage
Work Experience:
- 5 years’ working experience in the banking sector
Application Process
- Please submit your application quoting the job title in the subject field to: TZRecruitment@equitybank.co.tz
- Application Deadline: 8th August, 2025
