Chief Credit Officer Job Vacancy at UBA Bank Tanzania , Dar es Salaam July 2026

JOB DESCRIPTION JOB TITLE: ChiefOfficer DEPARTMENT: Credit JOB HOLDER: Abubakar Juma Adam JOB OBJECTIVES The Chief Credit Officer is responsible for safeguarding the Bank’srisk assets by establishing a secure, flexible, and effective credit management framework. The role ensures: Protection of the Bank’s credit portfolio through effective risk management practices. Compliance with regulatory requirements and credit risk guidelines within the country. Development and implementation of sound credit policies, procedures, and controls. Maintenance of a high-quality loan portfolio that balances risk and profitability. DUTIES & RESPONSIBILITIES 1. Credit Policy & Governance Supervise the development of clear credit policy guidelines, procedures, and process manuals aligned with the Bank’s credit policies and regulatory requirements. Ensure effective implementation and continuous improvement of credit policies. Communicate policy changes, process improvements, and credit initiatives across the Bank. Ensure compliance with internal and external credit regulations to protect the Bank from sanctions. 2. Credit Risk Management Maintain a high-quality credit portfolio based on internationally accepted risk rating models. Ensure credit facilities are adequately secured and generate appropriate returns relative to accepted risks. Utilize credit management software to ensure compliance throughout the credit lifecycle, including:Target Market DefinitionCredit approval and extensionCredit utilizationOngoing monitoringRecovery and collection processes Target Market Definition Credit approval and extension Credit utilization Ongoing monitoring Recovery and collection processes Identify causes of credit failures and share lessons learned across the Bank to prevent recurrence. Implement approved sanctions against officers responsible for credit policy violations or credit-related failures. 3. Credit Team Management & Development Ensure Credit Officers execute assigned responsibilities effectively and in accordance with approved procedures. Promote credit awareness across the Bank through periodic training, assessments, and knowledge-sharing initiatives. Supervise activities of the following functions:Credit Analysis, Structuring & Product ProgrammesCredit Administration, Monitoring & ReportingRecovery and Remedial Management Credit Analysis, Structuring & Product Programmes Credit Administration, Monitoring & Reporting Recovery and Remedial Management Ensure effective delegation, performance management, and development of credit teams. 4. Credit Administration & Portfolio Monitoring Ensure high credit administration standards through proper:DocumentationArchiving systemsReporting mechanismsMonitoring processes Documentation Archiving systems Reporting mechanisms Monitoring processes Ensure timely responses to internal and external queries within agreed turnaround times. Ensure effective monitoring of loan performance and early identification of credit risks. Support development of product programmes that meet market needs while protecting the Bank’s interests. 5. Recovery & Remedial Management Oversee recovery strategies for distressed and non-performing loans. Ensure effective remedial actions are implemented to minimize credit losses. Monitor recovery performance against approved targets and budgets. KEY PERFORMANCE INDICATORS (KPIs) Performance will be measured based on: Timely responses to internal and external credit-related queries. Effectiveness of credit policies and processes in reducing loan defaults. Net recoveries versus approved budget. Percentage of non-performing loans (NPLs) compared to total approved loans. Number of recurring audit exceptions. Credit processing and approval turnaround time. Minimization of loan loss provisions. Compliance with internal and external credit policies. Level of customer satisfaction. Overall quality and profitability of the credit portfolio. JOB REQUIREMENTS Education Bachelor’s Degree in a relevant discipline. Advanced qualifications are compulsory, including one or more of the following:MBAMScMAMLRelevant Professional Qualifications MBA MSc MA ML Relevant Professional Qualifications Experience Minimum of10 years of relevant banking experience; or 15 years of related non-banking experience. Experience should include: Credit risk management. Loan structuring and approval. Portfolio management. Banking operations. Credit recovery and remedial management. KEY COMPETENCY REQUIREMENTS Knowledge The candidate should possess strong knowledge in: Credit structuring. Relationship management. Product development. Fraud detection and control. Internal audit practices. Accounts management. Treasury operations. Domestic and international banking operations. Skills & Competencies Required competencies include: Professional disposition. Strategic thinking and business awareness. Strategy formulation. Creativity and innovation. Resource management. Delegation and empowerment. Ability to inspire and manage change. Analytical thinking. Decision-making skills. Problem-solving skills. Diversity management. Interrogation and investigation skills. Communication skills. Auditing skills. Accounting skills. REPORTING RELATIONSHIPS Functionally Reports To:Managing Director / Chief Executive Officer (MD/CEO) Administratively Reports To:Managing Director / Chief Executive Officer (MD/CEO) SUPERVISION RESPONSIBILITIES The ChiefOfficer supervises: , Monitoring & Reporting Subject title must beApplication for(name of the role). Please attach your Cover letter, CV & all Academic Certificates. Only shortlisted candidates will be contacted.