Senior Manager, Credit Risk Job Opportunity at DCB Commercial Bank Plc
About DCB Commercial Bank Plc
DCB Commercial Bank Plc is a dynamic retail and commercial bank in Tanzania, offering tailored financial solutions to individuals, microfinance institutions, MSMEs, and corporate clients. With a network of over 8 branches, more than 1000 DCB Wakala Agents, and access to 280 Umoja switch ATMs, DCB Bank serves a growing customer base of over 3 million nationwide.
To strengthen our credit risk management framework, we are seeking an exceptional candidate to fill the position of Senior Manager, Credit Risk. This role is pivotal in safeguarding the bank’s assets and optimizing credit processes for sustainable growth.
Key Responsibilities
Credit Assessment:
- Perform in-depth underwriting for diverse loan products and prepare comprehensive credit reports and presentations.
- Oversee credit facility analysis, evaluation, and underwriting processes for both prospective and existing customers.
Collaboration & Structuring:
- Partner with relationship managers and credit analysts to assess credit opportunities, identify risks, and recommend alternative deal structures.
- Guide the design of covenants, terms, and conditions for credit facilities, ensuring alignment with best practices.
Research & Compliance:
- Conduct research on borrowers and industry trends to support informed decision-making.
- Ensure all underwriting activities comply with internal policies, central bank regulations, and other applicable guidelines.
Portfolio Management:
- Lead annual reviews, modifications, renewals, and new loan assessments, ensuring minimal adjustments from the credit committee.
- Communicate risk ratings and justifications effectively to relationship managers and decision-making committees.
Qualifications and Experience
Education:
- Bachelor’s degree in Finance, Accounting, Economics, Business Administration, or related fields (Master’s degree preferred).
- Certification as a professional accountant or credit underwriter from a recognized institution.
Experience:
- A minimum of 8 years in credit risk assessment, financial analysis, portfolio management, and regulatory compliance, with at least 3 years in a managerial role.
Skills & Attributes:
- Strong analytical and decision-making abilities.
- Excellent communication and interpersonal skills.
- Ability to thrive under pressure and independently manage responsibilities.
- Proven track record in driving performance and delivering results.
Application Process
If you believe you are the ideal candidate for this role, please submit the following:
- A detailed CV.
- Photocopies of academic certificates.
- Names and contact information of three referees.
Ensure your application includes the reference number: DCB/CR/SMC-01/2025 in the subject line of your email.
Deadline: Applications must be submitted no later than 7th February 2025 via recruitment@dcb.co.tz.
Note: Hard copy applications will not be accepted.
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