JOB PURPOSE

Take a leading role in managing all aspects of Agri loan products with the responsibility of Product strategy, Management, and Agri portfolio P&L to meet agribusiness strategic objectives.

Developing and strengthening the loan product team while developing the long-term strategic direction for Agri Loan Products Portfolio.

RESPONSIBILITIES

• Quantify market and customer needs, identify new products and opportunities and develop and execute on a product portfolio marketing strategy.
• Develop and implement consumer loan strategies and tactics to drive portfolio growth.
• Develop strategic full life-cycle product plans necessary to penetrate the various segments and to appropriately respond to competitive products and services
• Identify, implement, and manage appropriate product partnerships to drive revenue growth and market penetration for Agri loan products.
• Co-ordinate budget objectives of Agri loan products to ensure targets are achieved as per the approved budget.
• Keep abreast with the changes in the agriculture sector in Tanzania and have a broad understanding of agriculture value chains financing, to identify new products and propositions for the sector.
• Represent the bank in agribusiness related forums and workshop which is meant to explore opportunities for products development, improvement or partnership to enhance product introduction.
• Manage Agri vendors, partnership relationships and contract negotiation with appropriate parties relating to Agri loan products and special projects.
• Manage and lead the team including selection, coaching, performance management, and resource allocation
• Ensure that customer satisfaction for all Agri loan products offered is achieved and provide accurate selling advice in line with customers’ expectations.
• Actively build the capacity of customer-facing team including sales and branch network through on-going product campaign and support in order to ensure quality product delivery process
• Maintain relationships with other senior executives in areas that may impact consumer loan product management, such as: Payment and Accounts, Credit team, Agri-Business Banking, Loan Centre and Marketing. 
• Work closely with key stakeholders to deliver and maintain profitable consumer loan solutions that meet the needs of our clients, ensure revenue growth, market penetration, and financial goals are met.
• Timely preparation of reports to management and ensure close monitoring of Agri Loan P&L
• Adhere to credit policies and procedures in line with NMB and Regulatory requirements during the product lifecycle
• Timely preparation of reports to management and ensure close monitoring of Agri loan P&L
• Perform other duties as may be directed or assigned by superior

KNOWLEDGE AND SKILLS

• Good credit skills.
• Sound understanding of bank’s loan products, policies, and procedures
• Knowledge of pricing and fee functionalities and structure applied in agribusiness.
• Understanding the latest technologies/innovations applied to the agriculture sector.
• A detailed understanding of loan product offerings in the wider financial services industry.
• A detailed knowledge of NMB strategy and policies
• Good product development, business management, leadership, Coaching, Team building skills.

QUALIFICATIONS AND EXPERIENCE

• At least 8 years in project design in the field of agriculture with Financial Institutions, NGO’s dealing with Agriculture or Development Financial Institutions (DFI’s)
• At least Eight years of banking experience suitably in agribusiness or related enterprises
• Experience with drafting and negotiating; Memorandum of Understandings (MoU’s), Guarantee Frameworks and Partner Agreements
• Experience in dealing with International Organizations involved with agriculture sector support and financing.