Equity Bank Tanzania invites applications from qualified and experienced candidates for the following Senior Officer positions:Unlike equality, which gives everyone the same treatment, equity recognizes that people have different challenges and may require different levels of assistance to achieve similar outcomes. In education, healthcare, workplaces, and communities, promoting equity helps reduce barriers, encourages inclusion, and ensures that everyone has a fair chance to succeed regardless of their background, gender, disability, or socioeconomic status. By fostering equity, societies can create more balanced opportunities, improve social well-being, and support sustainable development for all.
- Senior Officer – Card Operations
- Senior Officer – Reconciliation
- Credit Analyst
- Senior Officer – Chargebacks Operations
1. Senior Officer – Card Operations
General information
Reports to: Manager – Digital Operations
Date: July 2026
Version: 1
Function level: Senior Officer
Basic purpose
To manage end-to-end card operations, ensuring efficient card issuance, lifecycle management, system reliability, and high-quality customer service while maintaining compliance with card scheme and regulatory requirements.
Main duties and responsibilities
- Oversee the full card lifecycle including issuance, activation, renewal, replacement, blocking, and closure processes, ensuring timely and accurate execution.
- Ensure all card requests are processed within defined SLAs, minimizing delays and enhancing customer experience.
- Monitor card system performance and availability, ensuring minimal downtime and prompt resolution of system issues in collaboration with IT.
- Investigate and resolve card-related issues including failed transactions, declined transactions, and customer complaints.
- Ensure compliance with card scheme regulations (Visa/Mastercard), internal policies, and regulatory requirements.
- Monitor card transaction performance, identifying trends, anomalies, and potential fraud indicators.
- Drive implementation of digital card solutions, including instant issuance and virtual cards, to enhance customer convenience.
- Maintain accurate records, logs, and audit trails for all card operations activities.
- Collaborate with Risk and Fraud teams to strengthen controls and reduce card-related risks.
- Identify process gaps and implement improvements to enhance operational efficiency and reduce errors.
Knowledge, skills and experience
- Strong knowledge of card operations and lifecycle management
- Understanding of card scheme rules and transaction flows
- Strong problem-solving and analytical skills
Education
Bachelor’s degree in Business, Finance, Banking or related field.
Work experience
Minimum 5 years in relevant field.
KPIs – Senior Officer – Card Operations
Card issuance TAT
- Metric definition: % of card requests processed within SLA timelines
- Target: ≥ 95%
Card activation rate
- Metric definition: % of issued cards activated within 7 days
- Target: ≥ 90%
Card processing accuracy
- Metric definition: % of card transactions/processes completed without errors
- Target: ≥ 99%
System uptime
- Metric definition: Availability of card systems and platforms
- Target: ≥ 99%
Customer complaint reduction
- Metric definition: % reduction in card-related complaints YoY
- Target: ≥ 20%
Compliance adherence
- Metric definition: % adherence to card scheme rules and regulatory requirements
- Target: 100%
Incident resolution TAT
- Metric definition: % of card-related issues resolved within SLA
- Target: ≥ 95%
Productivity
- Metric definition: Number of card requests handled per officer vs benchmark
- Target: ≥ 100%
2. Senior Officer – Reconciliation
General information
Reports to: Manager – Central Operations
Date: July 2026
Version: 1
Function level: Senior Officer
Basic purpose
To ensure timely, accurate, and complete reconciliation of all bank accounts and transactions, minimizing financial exposure and ensuring integrity of financial records.
Main duties and responsibilities
- Perform end-to-end reconciliation of all bank accounts including General Ledger, Nostro, ATM, POS, Mobile, and other digital channels.
- Identify, investigate, and resolve reconciliation breaks promptly, ensuring discrepancies are cleared within defined timelines.
- Monitor aging of outstanding items and ensure timely escalation and resolution of longoutstanding balances.
- Maintain accurate reconciliation records, audit trails, and supporting documentation to ensure full audit and regulatory compliance.
- Ensure completeness and accuracy of financial postings across all systems through continuous reconciliation checks.
- Collaborate with Finance, IT, and Operations teams to resolve reconciliation issues and system mismatches.
- Monitor reconciliation performance metrics and provide regular reports on outstanding items and resolution status.
- Identify recurring reconciliation issues and implement process improvements to eliminate root causes.
- Drive automation of reconciliation processes to improve efficiency and reduce manual effort.
- Ensure adherence to internal controls, policies, and regulatory requirements governing reconciliation activities.
Knowledge, skills and experience
- Strong understanding of reconciliation processes and financial controls
- High attention to detail and analytical capability
- Understanding of core banking systems and financial postings
Education
Bachelor’s Degree in Business, Finance, Banking or related field.
Work experience
Minimum 5 years in relevant field.
KPIs – Senior Officer – Reconciliation
Reconciliation completion
- Metric definition: % of all accounts reconciled daily as per schedule
- Target: 100%
Break resolution TAT
- Metric definition: % of reconciliation breaks resolved within SLA timelines
- Target: ≥ 95%
Outstanding items aging
- Metric definition: % of unreconciled items outstanding beyond 30 days
- Target: ≤ 2%
Reconciliation accuracy
- Metric definition: % of reconciliations completed without errors
- Target: ≥ 99%
Financial integrity
- Metric definition: % of balances accurately reflected post-reconciliation
- Target: ≥ 100%
Audit findings
- Metric definition: Number of audit/compliance issues related to reconciliation
- Target: 0
Automation rate
- Metric definition: % of reconciliation processes automated
- Target: ≥ 70%
Productivity
- Metric definition: Number of accounts reconciled per officer vs benchmark
- Target: ≥ 100%
3. Credit Analyst
General information
Job level: Senior Officer
Reports to: Manager Credit Risk Underwriting
Key responsibilities
- As part of the credit committee of the Bank, participate in the review of creditworthiness and risks associated with potential business transactions with appropriate tools and models, with a view to providing mitigants to identified risks.
- Analyze financial and non-financial data for proposed credit to determine the degree of risk involved in extending credit or lending money to segments/businesses, full assessment of liquidity, profitability, and credit histories of customers.
- Work closely with the Credit Quality Assurance Unit to proactively identify problem accounts and make timely recommendations to senior management for remedial action.
- Support the loan remediation team in negotiating work out plans and strategies for delinquent customers.
- Responsible for full Review of All credit Applications received from Business units and recommend to HOCC/EXCO for Approval.
- Supervise, provide appropriate guidance, and mentor Credit Mangers at Branches to ensure onboarding of good and quality business and adherence to all Bank policy and procedures including compliance with KYC.
- Preparation of Monthly activity Report for Credit Underwriting Unit and present at HOCC.
- Credit Risk assessment review and evaluation on various credit application submitted from Business Unit.
- Ensure adherence to approval procedures and credit standards as outlined in the bank’s lending manual, maintaining strong internal controls and compliance.
- Assessment of Client Business for appropriate Cash flow assessment, Loan structuring and required amount proposition.
- Ensure all credit policy exceptions are appropriately escalated and authorized by the relevant senior approving authorities.
- Deliver a high level of internal customer service, emphasizing accuracy, responsiveness, and efficiency in line to agreed TAT.
- To monitor all aspects of the Bank’s Credit risk management process and ensure that they follow the approved governance.and escalate exceptions with recommendations to senior management for appropriate action.
- Provide Training and consultation to lending officers at Branch and Head office level.
- Ensure growth of a quality loan portfolio.
- Undertake all such other roles and responsibilities as may be assigned by the Immediate Supervisor from time to time.
4. Senior Officer – Chargebacks Operations
General information
Reports to: Manager – Digital Operations
Date: July 2026
Version: 1
Function level: Senior Officer
Basic purpose
To manage the end-to-end chargeback and dispute resolution process, ensuring timely handling, regulatory compliance, and minimization of financial losses while enhancing fraud detection and prevention controls.
Main duties and responsibilities
- Manage the full lifecycle of chargebacks from initiation to resolution, ensuring all cases are processed accurately and within scheme-defined timelines.
- Conduct detailed investigations into disputed transactions by analyzing transaction data, customer behavior, merchant evidence, and system logs to determine validity.
- Engage with card schemes (Visa, Mastercard), merchants, acquiring banks, and internal stakeholders to resolve disputes efficiently and within prescribed timelines.
- Ensure strict compliance with card scheme rules, documentation requirements, and regulatory guidelines to avoid penalties and financial exposure.
- Track and monitor chargeback volumes, trends, and financial impact, providing regular reports and insights to management.
- Identify root causes of chargebacks, including fraud, operational gaps, or system weaknesses, and recommend corrective and preventive measures.
- Collaborate with Fraud, Risk, and Card Operations teams to strengthen controls and reduce chargeback ratios.
- Maintain proper documentation, audit trails, and case records to ensure full audit and regulatory compliance.
- Continuously review and improve chargeback processes to enhance efficiency, reduce turnaround times, and improve customer experience.
- Support implementation of fraud prevention tools and monitoring mechanisms to proactively reduce dispute volumes.
Knowledge, skills and experience
- Strong knowledge of card operations, disputes, and chargeback processes
- Understanding of Visa/Mastercard rules and timelines
- Strong analytical and investigative skills
- Attention to detail and risk awareness
Education
Bachelor’s degree in Business, Finance, Banking or related field.
Work experience
Minimum 5 years in card operations or disputes.
Application instructions
If you believe you can clearly demonstrate your abilities to meet the criteria given above, please submit your job application cover letter along with a detailed resume, copies of the relevant certificates and testimonials in a single PDF file format.
Quote the respective Job title or Ref no. in the subject field and send the application to TZRecruitment@equitybank.co.tz by 5th August 2026.
Only short-listed candidates will be contacted.
Equity Bank is an equal opportunity employer. We value the diversity of individuals, ideas, perspectives, insights and values, and what they bring to the workplace.
By submitting your application, you consent to Equity Bank Tanzania Limited collecting and processing your personal data strictly for recruitment, selection, and, where applicable, employment purposes. Equity Bank Tanzania Limited will process your personal data in accordance with the Data Protection and Privacy Act, Cap 97, and its Data Privacy Policy. Your personal information will be treated with the highest level of confidentiality and will not be shared with unauthorized third parties, except where disclosure is required by law or regulatory obligation”.
