Relationship Manager; Special Lending at NMB Bank Plc

NMB Bank Plc is inviting applications from qualified banking professionals for the position of Relationship Manager; Special Lending in Dar es Salaam. The role focuses on driving sustainable growth, profitability, customer acquisition, and portfolio quality across the Bank’s Special Lending business.

The successful candidate will manage lending solutions that include Pensioners Loans, Salary Advance, and secured personal lending facilities such as cash-covered and bond or investment-backed loans. The position also involves working with branches and various internal teams to grow the portfolio, improve customer experience, and maintain strong credit quality.

Responsibilities

• Develop and implement portfolio and sales plans for Pensioners Loans, Salary Advance, and secured personal lending products.
• Drive customer acquisition, activation, utilization, and retention across the Special Lending portfolio.
• Lead the growth of the Pensioners portfolio by identifying acquisition and retention opportunities and developing strong stakeholder relationships.
• Support pensioner customer acquisition before and after retirement by helping eligible customers transition into pension banking relationships and maintain their banking relationship with NMB.
• Improve Salary Advance performance by increasing awareness, activation, and utilization among eligible customers.
• Grow secured personal lending products, including cash-covered and bond or investment-backed facilities.
• Provide end-to-end support for high-value and complex secured lending opportunities while coordinating with Credit, Operations, Treasury/Investment, Legal, and other relevant departments.
• Develop and maintain a structured pipeline covering all Special Lending products.
• Monitor branch, zone, and overall Special Lending performance.
• Prepare periodic reports and forecasts covering portfolio performance, pipeline activity, disbursements, revenue, utilization, asset quality, and key initiatives.
• Identify and escalate significant portfolio or business issues when necessary.
• Ensure compliance with lending policies and established banking procedures.
• Work with Product, Digital, Credit, Operations, Risk, Marketing, and other teams to improve Special Lending products and eliminate process bottlenecks.
• Collect and analyse customer feedback, competitor activity, market trends, and portfolio behaviour to recommend business improvements.
• Conduct customer visits, pensioner engagements, product presentations, financial literacy sessions, and targeted campaigns to generate leads and strengthen customer relationships.
• Support branch teams through joint customer visits, sales clinics, campaigns, product training, coaching, and sales playbooks.
• Monitor portfolio quality, arrears, early-warning indicators, and product-specific risks.
• Coordinate timely remedial actions with branches and relevant control functions to protect portfolio quality.

Qualifications Required

• Bachelor’s degree in Banking, Accounting, Finance, Economics, Business Administration, or another relevant business-related field.
• At least 4 years of relevant experience in retail or consumer lending, sales, relationship management, or loan portfolio management.
• Strong knowledge of retail and consumer lending, credit assessment, portfolio management, and lending risk controls.
• Sound understanding of pensioner lending and the pension ecosystem, including customer acquisition, repayment arrangements, and key stakeholder relationships.
• Knowledge of secured personal lending, including cash-covered and bond or investment-backed facilities, collateral requirements, security requirements, and related operational processes.
• Good understanding of Salary Advance and digitally enabled short-term lending products, including customer eligibility, utilization, and portfolio monitoring.
• Good knowledge of banking products and services, policies, procedures, KYC/AML requirements, and branch operations.
• Ability to interpret portfolio data, customer behaviour, and market trends and turn insights into practical commercial actions.
• Strong business development, sales, negotiation, relationship management, and customer-experience skills.
• Strong credit, analytical, and portfolio-management skills with sound judgement and attention to risk.
• Ability to originate and manage high-value or complex secured lending opportunities and coordinate multiple stakeholders through to disbursement.
• Ability to coach, train, and influence branch teams to achieve business objectives without direct reporting authority.
• Excellent stakeholder management, networking, and partnership development skills.
• Excellent communication skills in English and Kiswahili, including presentation, report writing, and numerical skills.
• Strong planning, execution, problem-solving, and time-management abilities.
• Customer-focused approach with the ability to simplify complex lending information and provide practical solutions.
• Professional or postgraduate qualification in banking, credit, finance, or a related discipline is an added advantage.
• Demonstrated track record in customer acquisition, lending growth, and portfolio-quality management.
• Experience in pensioner lending and/or secured personal lending, including cash-covered or bond or investment-backed facilities, is strongly preferred.
• Exposure to digital lending or Salary Advance products and branch-network sales execution is an added advantage.
• Proficiency in Microsoft Office applications, particularly Excel, PowerPoint, and Word.

Job Details

• Position: Relationship Manager; Special Lending
• Company: NMB Bank Plc
• Location: Dar es Salaam, Tanzania
• Employment Type: Full-Time
• Salary: Negotiable
• Application Deadline: 30 September 2026

How to Apply

Interested candidates should submit their applications through the official NMB Bank careers portal before the application deadline.

CLICK HERE TO APPLY

Applicants should ensure that their applications contain accurate information and demonstrate how their qualifications and experience meet the requirements of the Relationship Manager; Special Lending position.

Final Thought

This position is suited to banking professionals with experience in consumer lending, relationship management, portfolio growth, and secured lending. The role provides an opportunity to contribute to the development of NMB Bank’s Special Lending portfolio while working across branches and internal business functions.