Manager – IFRS 9, Portfolio Analytics & Reporting

Equity Bank Tanzania is seeking a Manager – IFRS 9, Portfolio Analytics & Reporting to provide high-quality credit portfolio analytics, IFRS 9 Expected Credit Loss oversight, management information and forward-looking portfolio insights.

The role will support informed credit and business decisions by monitoring portfolio performance, identifying emerging credit risks, analysing ECL movements and ensuring the accuracy and integrity of credit portfolio data and reporting.

Responsibilities

• Coordinate the Bank’s credit portfolio analytics and reporting activities.
• Manage and monitor IFRS 9 Expected Credit Loss (ECL).
• Monitor ECL movements across products, segments, branches, sectors, customer types, risk grades, vintages and stages.
• Analyse Significant Increases in Credit Risk (SICR).
• Analyse key ECL drivers, including Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD), discounting and forward-looking economic scenarios.
• Provide portfolio-level analysis to support Finance and Risk teams in ECL calculation and reporting.
• Identify unusual or unexpected ECL movements and provide clear explanations to management.
• Support periodic IFRS 9 model performance reviews and validation exercises.
• Ensure portfolio data used for analysis is accurate, complete and properly reconciled.
• Track cures and movements between loan stages, including accounts returning to performing status.
• Recommend early intervention where stage migration indicates emerging portfolio risks.
• Establish and maintain a robust vintage-analysis framework for monitoring newly originated loans.
• Convert complex portfolio data into concise and actionable management insights.
• Identify emerging concentration risks and provide recommendations to the Head of Credit Portfolio Management.
• Analyse whether portfolio returns adequately compensate for credit risk.
• Establish strong controls over credit portfolio data.
• Reconcile credit portfolio information between source systems and management reports.
• Ensure accurate classification of credit exposures and consistency of data definitions across Credit, Risk and Finance.
• Establish appropriate controls over data extraction and reporting processes.
• Support internal and external audits relating to IFRS 9 ECL, credit portfolio reporting and data integrity.
• Provide accurate portfolio analytics and information for regulatory reporting and supervisory reviews.
• Develop analytical indicators to identify deterioration before accounts become non-performing loans (NPLs).
• Support monthly and quarterly portfolio review meetings.
• Monitor reporting accuracy for guarantee schemes, including PASS and AGF.

Requirements

• University degree in Economics, Business Administration, Finance or a related field.
• Minimum of 4–6 years of relevant experience in Credit Administration, IFRS 9, Portfolio Analytics and Reporting.
• Strong knowledge of IFRS 9 reporting.
• Experience in credit portfolio analytics and monitoring.
• Strong analytical and problem-solving abilities.
• Excellent Microsoft Office proficiency.
• Strong interpersonal and relationship-building skills.
• Strong leadership capabilities.
• Excellent written and spoken English.
• Ability to communicate complex portfolio information clearly.
• Networking and market-intelligence skills.
• Previous experience working with C-suite professionals or senior management teams.