Business Support Manager at NBC
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Be member of the NBC Business Support Team with responsibility for the delivery of turnaround strategies to a portfolio experiencing financial stress.
Take responsibility for determining the objectives, strategies and actions that need to be adopted to address business-risk issues, reduce the Bank’s risk, and achieve long-lasting turnaround solutions so that the customer can be returned to a Relationship Manager/Officer in the Corporate/Business Banking Department
Acts as a point of contact for the Country BS team throughout EWL to discuss specific problems, and recommending solutions or strategies in acting capacity in the absence of BS&CR Team Leader
Recommended:
Job Description
Sales and Service 20%
Outputs:
- Lead detailed negotiations with customers, sometimes in conjunction with Relationship Managers/Officers, regarding the agreement to, and implementation of strategy e.g. new lending propositions, terms and conditions of continuing Bank support etc.
- Manage relationships with customers in a manner which, through professional communication of often uncomfortable messages, increases customer satisfaction and enhances the NBC’s Brand.
- Identify sales opportunities, progressing these in partnership with Relationship Managers/Officers and Group companies where appropriate
- Ensure appropriate pricing is achieved in liaison with business
- Creation and updating of CCRS / Credit Applications ensuring mandatory policy and procedures have been adhered to and that technical and security matters are correct
Business Management-75%
Outputs:
- Lead discussions with Relationship Managers/Officers to identify Bank risk, Business risk and critical issues for specific customers. Lead proactive formulation and implementation of strategies to improve Business and Bank risk.
- Actively manage customers, through customer visiting, to ensure business and banking risk issues are addressed in a timely manner
- Obtain customers’ commitment to implement appropriate strategies and actions to improve business and Bank risk
- Monitor customers’ progress by appraising results revealed by their reporting packages, reviewing / quantifying business and Bank risk.
- Analyse / appraise lending propositions, customers’ plans / strategies and budgets & cash flow – sensitivity analysis.
- Sanction reviews and renewals of lending propositions, and strategies and actions to improve risk in the Country BS portfolio.
- Liaise with group Companies to ensure coherent management of customers, where there are mutual relationships
- Act as a reference point for customer relationship and credit teams for discussions on specific cases or where more general input from a BS “specialist” is required.
- Develop network of contacts internally and also with local external professionals in order to maximize effectiveness in assisting customers.
- Promote the BS team to internal audiences (including relationship and credit teams and group companies) and professionals.
- Where appropriate, manage the use of professionals including accountants, turnaround managers, solicitors and property professionals, obtaining customer’s agreement to their use, preparing instructions and reviewing results.
- Transfer account responsibility out of team when appropriate, including possibly to a Corporate Recovery Team
- Ensure data integrity is maintained
- Raise provision if required
- Prepare and submit reports to Exco, the local Board, and its sub-committees when required
Staff Management-5%
Outputs:
- Responsible for a small section within the Team
- Set objectives, drive performance and provide feedback to ensure targets are met.
- Use management information to monitor and provide feedback to ensure targets are met.
- Identify risk skills gaps and communicate and meet identified training needs by effective coaching and counseling.
- Provide assistance and advice to team members in formulating strategies regarding the more complicated accounts in their own portfolios.
Good credit risk skills
- Good relationship management skills
- Strong analytical and numerical skills
- Strong communication and report writing skills
- Good knowledge of Microsoft Excel and other spreadsheet/database applications
- Strong planning, coordination and time management skills.
(Relating to specialist knowledge and expertise required to undertake the role. May include knowledge of the Bank’s products, services, and policies)
Preferred
-
Experience of both corporate relationship management and credit risk analysis
- Experience of dealing with senior management of corporate entities
- Strong negotiation skills
- Detailed understanding of policies for provisions / NAD / write offs.
- Good knowledge of the local legal system, insolvency law and security issues, and the options available to the Bank.
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Essential
- Good understanding of the role of Business Support and Corporate Recoveries in Tanzania
- Previous experience of relationship management of corporate customers
- Previous experience of credit risk analysis and/or sanctioning
- Experience of working under pressure and with very little supervision
- Sound banking experience
- Good knowledge in dealing with credit risk, particularly distressed assets.
Preferred
- Graduate in B.COM Accounting and/or Finance and/or Experience Banking Professional
Qualifications
Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Openness to change (Meets some of the requirements and would need further development), Process optimisation (Meets some of the requirements and would need further development), Reasoning (Meets all of the requirements), Risk Management (Meets all of the requirements)
How to Apply:
To submit your application, please follow the link provided below.
Lending Analytics and Modelling Lead at NBC
NBC is the oldest serving bank in Tanzania with over five decades of experience. We offer a range of retail, business, corporate and investment banking, wealth management products and services.
Job Summary
This role typically involves focusing on the modelling and analytical aspects of data within an organization. This role plays a critical part in transforming data into actionable insights to support NBC business decisions. The Lending Analytics and Modelling Lead is responsible for harnessing data and employing advanced analytics techniques to provide actionable insights that drive strategic decision-making and optimize business operations. This role also involves identifying and mining data, performing statistical analyses, applying data visualization techniques, and helping build high quality visualization systems.
Job Description
- Conduct in-depth data analysis to identify trends, patterns, and anomalies within datasets, using statistical and machine learning techniques.
- Develop and implement predictive models, statistical models, and machine learning algorithms to extract valuable insights from data.
- Extract, clean, and pre-process data from various sources to ensure data accuracy, consistency, and readiness for analysis.
- Create data visualizations and reports that effectively communicate insights to both technical and non-technical stakeholders. Use tools like Tableau, Power BI, or other data visualization software.
- Implement data quality checks and validation procedures to ensure data integrity and reliability. Address data quality issues and anomalies as they arise.
- Collaborate with data engineers and IT teams to integrate and consolidate data from multiple sources, ensuring a unified and comprehensive dataset.
- Perform ad-hoc analyses to answer specific business questions and provide quick insights when necessary.
- Continuously improve data analysis processes and models to enhance the efficiency and effectiveness of data-driven decision-making.
- Adhere to data security and privacy regulations, ensuring that data handling and analysis practices comply with relevant laws and policies.
- Collaborate with various departments and business units to understand their data needs, align analytics efforts with business objectives, and provide data-driven recommendations.
- Maintain detailed documentation of data analysis processes, methodologies, and results for future reference and reporting.
- Share knowledge and expertise with team members and stakeholders, promoting data literacy and understanding within the organization.
- Stay updated on emerging data analysis techniques, tools, and technologies, and seek opportunities for professional development.
- Generate regular and ad-hoc reports that summarize key findings and insights from data analyses, providing actionable recommendations to support decision-makers.
- Manage analytics projects, including scoping, planning, execution, and delivery, while meeting project deadlines and milestones.
Education and Experience Required
- Bachelor’s in Computer Engineering/Computer Science/Data Science technical or related experience.
- At least 5 years of Analytical Systems support experience.
- Minimum of 5-years’ experience in lending, data designs and modelling.
- Proven work experience as Data Analyst, Data Specialist, or similar role.
- In-depth understanding of database structure principles.
- Experience gathering and analysing system requirements.
- Experience in data mining and modelling techniques.
- Experience in SQL and relational and non-relational databases.
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Knowledge, Skills & Competencies:
- Proficiency in data analysis techniques and tools to explore, clean, and transform data into actionable insights.
- Strong SQL skills to query, manipulate, and analyze data stored in relational databases.
- Expertise in data visualization tools like Tableau, Power BI, or similar software to create visually compelling and informative charts, graphs, and dashboards.
- Ability to create data models and use statistical methods to forecast trends and make data-driven predictions.
- Understanding of ETL processes to extract data from various sources, transform it for analysis, and load it into data warehouses or reporting systems.
- Familiarity with data warehousing concepts and structures, including data cubes and star schemas.
- A strong understanding of business operations, objectives, and key performance indicators (KPIs) to align BI solutions with organizational goals.
- The ability to identify complex business problems and use data to propose effective solutions and strategies.
- Excellent communication and data storytelling abilities to convey insights to both technical and non-technical stakeholders.
- Familiarity with various database management systems, including NoSQL databases.
- Proficiency in statistical analysis techniques to derive meaningful insights from data.
- The ability to work closely with cross-functional teams and departments to gather requirements and understand the needs of end-users.
Qualifications
Bachelor`s Degrees and Advanced Diplomas – Business, Commerce and Management Studies, Digital familiarity (Meets some of the requirements and would need further development), Experience in a similar environment at junior specialist level, Management information systems (Meets all of the requirements), Openness to change (Meets some of the requirements and would need further development), Personal mastery (Meets all of the requirements), Reasoning (Meets all of the requirements)
How to Apply:
To submit your application, please follow the link provided below.