Manager – Program Lending

Equity Bank Tanzania is seeking a Manager – Program Lending to lead the design, underwriting, implementation and ongoing management of structured lending programmes.

The role will focus on developing scalable lending programmes that allow the Bank to expand lending efficiently while maintaining appropriate credit quality, underwriting standards and risk controls.

Responsibilities

• Develop and implement the Bank’s Program Lending framework in alignment with overall credit and business strategy.
• Identify scalable lending opportunities that can be delivered through standardized credit programmes.
• Translate market opportunities into structured lending propositions with clearly defined credit parameters.
• Develop lending programmes targeting areas such as MSMEs, Retail customers, Agriculture and agribusiness, Value-chain businesses, Salaried customers, Women and youth enterprises, Supply-chain businesses, Strategic partnerships, Digital lending segments
• Assess the commercial viability and credit risk of proposed lending programmes.
• Prepare programme proposals for approval by relevant credit and management committees.
• Maintain strong underwriting discipline while supporting efficient turnaround times.
• Ensure programme lending remains consistent with the Bank’s overall credit standards.
• Monitor actual portfolio performance against expected results and recommend adjustments where necessary.
• Ensure every lending programme has clearly defined risk controls.
• Provide regular programme performance reports to the Head of Credit Underwriting and relevant committees.
• Recommend tightening or relaxing programme parameters based on portfolio performance.
• Recommend pricing adjustments where programme performance does not support expected returns.
• Ensure each programme has a comprehensive operating manual.
• Support the development of automated and digital lending solutions.
• Work closely with Business teams to ensure lending programmes are commercially viable and operationally practical.

Requirements

• University degree in Economics, Business Administration, Finance or a related field.
• Minimum of 4–6 years of experience in Credit Analysis.
• Strong knowledge and practical experience in credit analysis.
• Good understanding of credit underwriting and lending risk.
• Strong analytical and decision-making abilities.
• Strong interpersonal and relationship-building skills.
• Strong leadership skills.
• Excellent written and spoken English.
• Excellent proficiency in Microsoft Office applications.
• Strong networking and market-intelligence skills.
• Previous experience working with C-suite professionals or senior management teams.