New Jobs at NCBA Bank

Manager, Internal Controls Job at NCBA Bank

Job overview

Job title: Manager, Internal Controls
Reports to: Head of Operations
Unit: Operations
Department: Technology and Operations
Grade: Band 5
Organization: NCBA Bank

Job purpose

The purpose of this role is to perform internal controls reviews to ensure adherence to established procedures and controls, while identifying process improvements across the bank’s operations units and branches. The role contributes to maintaining a strong control environment by preventing losses and strengthening operational effectiveness.

The position involves monitoring open control issues and ensuring they are resolved satisfactorily within set timelines to prevent crystallization of losses. It also requires escalation of significant control failures to senior management where potential or actual losses may arise.

Additionally, the role is responsible for coordinating the Business Continuity Program (BCP) across the bank.

Operational risk management (40%)

• Conduct ongoing control assessments across branches and central operations.

• Provide assurance to first-line management on the effectiveness of internal controls.

• Identify and communicate internal control risks through analysis of control evidence.

• Collaborate with business process owners to implement and monitor remediation plans.

• Track control exceptions and ensure timely closure within agreed deadlines.

• Promote effective control design using continuous improvement techniques.

• Partner with business units to define appropriate preventive and detective controls.

• Collect and analyze data to identify root causes, trends, and emerging risks.

• Escalate potential and actual risk issues where necessary.

• Provide subject matter expertise and guidance on control-related matters.

• Regularly assess key controls for effectiveness, efficiency, and relevance.

• Report risk events, policy deviations, and risk exceptions to relevant stakeholders.

Business continuity management (40%)

• Establish strategic objectives for crisis and incident response.

• Develop short-, medium-, and long-term business continuity strategies.

• Resolve implementation challenges and resource conflicts identified during tests.

• Identify and document priority processes and procedures.

• Sponsor the Business Recovery Program, including participation in bank-wide tests.

• Ensure integration of BCM into core business processes.

• Promote continuous improvement of the Business Continuity framework.

• Ensure BCP and DRP reviews are conducted at least annually.

• Organize quarterly crisis management exercises.

• Prepare and submit quarterly Business Continuity reports to the Board of Trustees.

Process improvement (20%)

• Participate in process reviews and process improvement initiatives.

• Support implementation of appropriate controls during process redesign.

• Conduct training and awareness sessions across the organization.

• Participate in policy, procedure, and system implementation reviews.

• Ensure controls are embedded in business processes and systems.

• Train process owners and control owners on risk and control concepts.

• Use SLA measurement tools to assess and improve service quality, productivity, and performance.

Job dimensions

Reporting relationships

• Direct reports: None

• Indirect reports: None

Stakeholder management

Internal stakeholders

• Branch leadership

• IT

• Operational Risk

• Internal Audit

• Projects Management

• Regional Operations

External stakeholders

• External auditors

• Regulators

Decision-making authority

• Operational and managerial decision-making authority.

• No direct budgetary control specified.

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Work cycle and impact

• Planning and impact horizon: 1 month to 3 months

Ideal job specifications

Academic qualifications

• Bachelor’s degree from a recognized university.

Professional qualifications

• Proficient computer skills.

• Strong understanding of core banking processes.

• Knowledge of regulatory and statutory requirements.

• Risk, compliance, or audit-related professional qualification is an added advantage.

Desired work experience

• Minimum of 6 years’ banking experience.

• At least 4 years in operations or a risk-related department.

NCBA Bank core value behaviours

• Responsiveness: Speed, simplicity, innovation, and customer focus.

• Driven: Decisive, passionate, and bold.

• Open: Honest, transparent, and inclusive.

• Trusted: Teamwork, integrity, and accountability.

Ideal job competencies

Technical competencies

• MS and system skills

  • Advanced computer application skills for analysis, reconciliations, and reporting under tight deadlines.

• Conceptual and analytical skills

  • Strong analytical and evaluation skills.

  • Ability to conduct independent analysis and make sound recommendations.

• Banking, compliance, and regulatory knowledge

  • Knowledge of operational risk, regulatory frameworks, and end-to-end banking operations.

Behavioural competencies

• Leadership and initiative

  • Ability to work independently with strong initiative and proactivity.

• Communication skills

  • Excellent written and verbal communication skills.

• Planning and organizing

  • Strong ability to prioritize, plan, coordinate, and monitor work.

• Self-confidence

  • Ability to be firm and authoritative while maintaining empathy during review and exit discussions.

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Portfolio analyst at NCBA Bank

Portfolio analyst – portfolio recovery (digital business)

Job overview

• Job title: Portfolio analyst

• Reports to: Manager, collections and recovery

• Unit: Portfolio recovery

• Department: Digital business

• Grade: Band 3

• Date: January 2026

• Supervisor: Fredrick Limbeghala

Job purpose

The portfolio analyst is responsible for maximizing collection and recovery of the digital business loan portfolio through effective management of internal and external channels. The role focuses on active portfolio performance management by reviewing, compiling, and analyzing monthly portfolio reports, identifying data patterns and trends, interpreting insights, and highlighting credit risk concerns for management action.

The role requires experience in market research, credit risk underwriting process design, and assessment techniques within a highly digital and data-driven environment. Working closely with the portfolio and recovery manager, the analyst supports decision-making that optimizes credit risk margins.

The position ensures full compliance with:

• Credit policy

• Banking Act

• BOT prudential guidelines

• Credit reference bureau (CRB) regulations

• Cooperation agreements and all applicable laws, regulations, and guidelines governing the business

Key accountabilities and responsibilities

Credit risk (50%)

• Maintain the loan portfolio within set non-performing loan (NPL) and collection targets.

• Prepare and recommend strategies and reports to ensure portfolio quality aligns with KPI targets.

• Monitor total loan portfolio performance and escalate problem accounts to management in line with credit policy, processes, procedures, and SLAs.

• Prepare portfolio performance reports showing trends for management, board credit committees, and the Central Bank of Tanzania (BOT).

• Allocate and coordinate collection team activities in collaboration with outsourced service provider team leaders.

• Recommend actions to maximize collection, recovery, and service delivery, including timely data submission and coordination with CRBs to improve repayments.

• Evaluate and manage assigned credit portfolio quality using in-depth quantitative and qualitative analysis across consumer and merchant lending products.

• Assess risk, identify opportunities, and refine credit policies and processes using analytics.

• Ensure consistent adherence to credit portfolio risk compliance systems, including policies, processes, and tools, to drive efficiency and cost containment.

Customer and business support (30%)

• Support new business initiatives through data analytics by developing and proposing credit risk strategies that optimize growth and profitability within the approved risk appetite.

• Monitor service quality of outsourced providers by evaluating KPIs against SLAs, including quality assurance metrics.

• Perform ad-hoc creation and maintenance of underwriting and portfolio-related reports.

• Manage risk to ensure satisfactory audit, risk, and compliance ratings for portfolio performance.

Learning and growth (20%)

• Drive employee engagement initiatives within the department.

• Maintain high personal performance and continuous professional development.

• Support team members in achieving their career growth plans.

• Maintain up-to-date competency assessments and actionable development plans.

• Promote close collaboration within the department and across group operating entities to achieve shared business goals.

Job dimensions

Reporting relationships

• Direct reports: None

• Indirect reports: None

Stakeholder management

Internal stakeholders

• In-country commercial lead

• Product operations lead

• Collection and recovery lead

• Group audit

• Enterprise risk and credit risk management

• Finance

• Data science

• Technology

• Delivery management

• Operations teams

External stakeholders

• Customers

• Strategic ecosystem partners

• Suppliers

• Regulators

• External auditors

Decision-making authority

The role carries tactical-level decision-making responsibility, including:

• Coordinating target setting and SLA management for service providers

• Identifying and recommending loan accounts for early intervention and escalation

• Supporting collection and recovery strategy planning

• Risk classification to ensure compliance with credit policy and regulatory prudential guidelines

Work cycle and impact

• Long-term (1–2 years):

  • Design, recommend, and implement collection and recovery strategies to achieve portfolio KPIs

• Short-term (6–12 months):

  • Monitor portfolio performance and prepare MIS reports for management and regulatory purposes based on predefined thresholds

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Ideal job specifications

Academic qualifications

• Bachelor’s degree in actuarial science, statistics, economics, finance, or business administration

Professional experience and skills

• Minimum of 2 years’ banking experience, with at least 6 months in credit management, portfolio analysis, portfolio management, or reporting within a highly automated environment

• Proficiency in data analytics and practical use of MIS, BI tools, MS Office applications, and statistical programming languages such as SQL, R, or Python

• Strong financial modeling, analytical, and problem-solving skills with emphasis on data science and risk management

• Excellent written and verbal communication skills, with strong interpersonal ability to manage internal and external stakeholder expectations

• Decisive, solution-focused mindset with strong attention to detail and accuracy when analyzing large volumes of data

Ideal job competencies

Technical competencies

Risk assessment and identification

• Ability to derive insights and patterns from stakeholder interviews

• Strong skills in identifying gaps and translating them into measurable key risk indicators (KRIs)

• Solid understanding of financial sector risk management guidelines and current banking and fintech practices

Risk management design

• Strong capability in identifying risk points within product and process flow design

• Deep familiarity with digital banking products and related business processes

Business skills

• Ability to analyze financial scorecards, tax returns, bank statements, financial statements, and credit reports

• Apply business and economic principles to evaluate and advise management on financial risks

• Manage internal and external partnerships to optimize cost of risk

Behavioural competencies

Emotional intelligence

• Strong self-awareness, emotional regulation, and ability to manage personal impact on others

Social and cross-cultural awareness

• Ability to work respectfully and ethically across diverse social and cultural environments in line with organizational values

Agility

• Flexibility to adapt plans, methods, and priorities in response to new information

• Supports enterprise transformation through appropriate incentives and metrics

Self-development

• Strategic approach to personal and professional growth

• Actively seeks feedback and translates it into clear development goals

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