​

Perspective: Credit Risk: 50%

Output:

• Responsible for maintaining the loan portfolio within set NPL and collection targets, preparation and recommendation of strategies and reports to ensure maintenance of a quality portfolio that is within KPI targets
• Monitor the performance of the total loan portfolio and escalate problem accounts to Management as defined in and guided by the Credit Policy, Processes and Procedures, and Service Level Agreement
• Preparation of performance reports that indicate trends and performance of the portfolio including but not limited to reports for review by the Management and Board Credit Committees and the Central Bank of Tanzania (BOT)
• Allocate and coordinate the activities of the collections teams in liaison with team leaders of Outsourced Service Providers and make recommendations on how to maximize collection, recovery, and service delivery; including timely submission of data and corresponding with CRBs for the purpose of improving repayments.
• Evaluate and manage assigned credit portfolio quality through the use of in-depth quantitative and qualitative portfolio analysis of consumer and merchant lending products to assess risk & identify opportunities, and validate and refine various credit policies/processes through the use of analytics.
• Ensure consistency in adherence to and effective application of established credit portfolio risk compliance systems (policies, processes, and tools) to achieve optimal efficiency and cost containment.

Perspective: Customer: 30%

Output:

• •Support new business initiatives through the use of data analytics to develop and propose credit risk strategies for consumer and merchant credit portfolios to optimize growth and profitability within risk appetite.
• Monitoring of the Quality of the services provided by outsourced services by evaluating the KPIs as per SLA including effectiveness and results of the Quality Assurance Metrics.
• Perform ad-hoc creation and maintenance of reports related to underwriting operations.
• Managing risk to ensure Satisfactory Audit/Risk and compliance rating on portfolio performance.

Perspective: Learning and Growth: 20%

Output:

• Drive the employee engagement initiatives within the department.
• Maintain own high performance and personal growth.
• Help the other team members to achieve their career growth plans.
• Own up-to-date and actioned competency assessments and development plans.
• Drive close collaboration amongst the staff with other members of the Department, and with other relevant stakeholders across the Group operating business entities to cultivate collective responsibility to achieve business goals.