Job description
Job title
Chief Credit Officer
Department
Credit
Name
Job objective(s)
- Ensure protection of the Bank’s credit risk assets through providing a secure but flexible framework.
- Ensure compliance with Regulatory guidelines regarding Credit Risk within the country.
Duties and responsibilities
- Supervise development of clear credit policy guidelines with associated procedural and process manuals ensuring alignment with the credit policies of the the country.
- Make sure Credit awareness is high bank-wide through periodic training and testing.
- Ensure nominated credit officers execute assigned functions appropriately.
- Maintain a high quality credit portfolio, based on internationally accepted risk rating models, which is adequately secured and provides appropriate returns for risk accepted.
- Utilize credit software to ensure credit cycle is compliant with policy from Target Market Definition, extension and availment of credits and ongoing monitoring up till collection.
- Limit credit infarctions by applying approved sanctions on defaulting officers.
- Ensure high Credit Admin standards with suitable archiving and reporting systems.
- Ensure development of Product Programs which addresses key marketing initiatives while maintaining security for the Bank.
- Identify causes of credit failures and disseminate within the country to prevent recurrence.
- Communicate regularly with Bank staff regarding policy changes, process improvement initiatives etc.
- Ensure compliance with regulatory guidelines within the region to protect Bank from sanctions.
- Ensure responses to internal and external queries fall within agreed turn around time.
- Supervise the activities of the Credit analysis structuring & product programmes, Credit administration/monitoring, recovery and remedial functions.
- Any other duties as assigned by immediate supervisor.
Key performance indicators
- Ensure responses to internal and external queries fall within agreed turn around time.
- Effectiveness of Policies and processes developed in limiting credit defaults.
- Net Recoveries Vs Budget.
- Percentage of non-performing loans to the total loans approved.
- Number of recurring audit exceptions.
- Turnaround time of credit processing and approval.
- Minimum loan loss provision.
- Compliance with internal and external policies.
- Level of customer satisfaction.
Job requirements
Education: First degree in a relevant discipline; (MBA, MSC, MA, ML and/or Professional Qualifications compulsory).
Experience: 10 years relevant banking experience; 15 years non-banking but related experience.
Key competency requirements
Knowledge
- Proficiency in Credit Structuring.
- Relationship Management experience.
- Product Development.
Skill/Competencies
- Professional disposition.
- Strategy formulation & Business Awareness.
- Creativity & Innovation.
- Resource Management.
- Delegation & Empowerment.
- Ability to Inspire & Manage Change.
- Analytical Thinking.
- Decision Making.
- Problem Solving.
- Diversity Management.
- Interrogatory skills.
- Communication skills.
- Fraud Detection & Control.
- Internal Audit practice.
- Accounts Management.
- Analytical and Investigation Skills.
- Auditing Skills.
- Accounting Skills.
- Comprehensive Banking Operations (Domestic and Foreign) Skills.
- Comprehensive Treasury skills.
Reporting relationships
Functionally reports to: MD/CEO
Administratively reports to: MD/CEO
Supervises
- Credit analysis structuring and product programmes.
- Credit Administration, Monitoring & reporting.
- Recovery and Remedial.
Job holder
Job holder: Abubakar Juma Adam
Sign:
Date:
Supervisor
Supervisor: Olugbenga Makinde
Sign:
Date:
Application instructions
Applications must be channeled through recruitment.tanzania@ubagroup.com
Subject title: Application for CHIEF CREDIT OFFICER
Please attach your:
- Cover letter
- CV
- All Academic Certificates
Only shortlisted candidates will be contacted.
Deadline: 9th August 2026
