Credit Manager, Analytics at DCB Commercial Bank

Credit Manager, Analytics at DCB Commercial Bank

Job Announcement: Credit Manager, Analytics & IFRS

About DCB Commercial Bank PLC

DCB Commercial Bank PLC is a fully-fledged retail and commercial bank in Tanzania serving individuals, microfinance institutions, MSMEs, and large corporate clients. With a wide network of over 8 branches, more than 1,000 DCB Wakala Agents, and over 280 Umoja Switch ATMs, DCB Commercial Bank serves over 3 million customers nationwide through accessible, innovative financial solutions.

Position Overview

• Job Title: Credit Manager, Analytics & IFRS

• Organization: DCB Commercial Bank PLC

• Location: Dar es Salaam, Tanzania

Key Roles and Responsibilities

• IFRS 9 & ECL Modelling: Lead the end-to-end IFRS 9 impairment process—including data extraction, model execution, loan staging, macroeconomic overlays, and journal postings—ensuring accurate Expected Credit Loss (ECL) computations across Retail, SME, Corporate, staff loans, and off-balance sheet exposures.

• Portfolio Monitoring & Risk Analytics: Oversee credit portfolio performance, tracking Non-Performing Loan (NPL) movements, risk migration, sectoral distribution, concentration limits, and customer covenant adherence.

• Early Warning Indicators (EWI): Establish robust EWI frameworks and behavioral analytics covering arrears, account utilization, and delinquency patterns to enable proactive risk mitigation.

• Regulatory Compliance & Reporting: Ensure strict compliance with Bank of Tanzania (BoT) credit regulations, prudential guidelines, and circulars; coordinate statutory returns, Credit Reference Bureau (CRB) reports, and sectoral exposure filings.

• MIS & External Audit Liaison: Develop Management Information System (MIS) dashboards for credit performance and ECL analytics; support Finance and external auditors with periodic ECL reporting.

• Team Capacity Building & Strategic Advisory: Train and supervise credit/risk teams on IFRS 9 concepts and analytics while delivering actionable insights to senior management for credit policy and portfolio strategy decisions.

Qualifications, Experience & Skills

Required Qualifications & Education:

• Education: Bachelor’s Degree in Finance, Accounting, Economics, Statistics, Actuarial Science, Data Analytics, Mathematics, or a related quantitative discipline from a recognized institution.

• Experience: Minimum of 3 years of hands-on experience in IFRS 9 impairment modelling and reporting, credit risk analytics, portfolio monitoring, or regulatory reporting within a regulated bank or financial institution.

Key Competencies & Technical Skills:

• Regulatory & Accounting Standards: Deep mastery of IFRS 9 impairment methodologies, ECL modelling, and Bank of Tanzania (BoT) credit prudential guidelines.

• Data Analytics & MIS: Strong quantitative modeling, credit portfolio analytics, early-warning system design, and MIS reporting capabilities.

• Leadership & Communication: Ability to mentor technical teams, collaborate across Finance and Credit departments, and present strategic risk insights to executive leadership.

Mode of Application

Interested and qualified candidates should submit their application package electronically via email.

Required Application Documents:

1. Detailed Curriculum Vitae (CV).

2. Photocopies of academic certificates.

3. Names and full contact details of three (3) professional referees.

Submission Instructions:

• Email Address: [email protected]

• Reference Number (Mandatory): Quote DCB-CR-CRM/IFRS-11/2026 in your email application.

• Application Deadline: Monday, November 23, 2026

(Note: Applications must be submitted strictly via the stated email address. Hard-copy applications will not be accepted).