Nafasi ya kazi :- Relationship Officer – Islamic Banking at NBC, May 2026

Relationship Officer – Islamic Banking Job Vacancy at NBC

Job overview

NBC is looking for a Relationship Officer – Islamic Banking to support the growth of the bank’s Islamic Banking portfolio by actively prospecting for new customers, servicing an assigned client portfolio, and carrying out field-level business development activities in full compliance with Shari’ah principles.

The Relationship Officer – Islamic Banking will serve as the frontline face of NBC’s Lariba proposition. The role is responsible for converting leads into active customers, deepening existing relationships, and ensuring every client interaction reflects the bank’s commitment to Shari’ah-compliant and customer-centred service.

Operating under the guidance of the Relationship Manager – Islamic Banking, the Relationship Officer will contribute directly to deposit mobilisation, financing origination, and customer satisfaction targets.

In the absence of, or as delegated by, the Relationship Manager, the Relationship Officer will assume responsibility for day-to-day client engagement, pipeline management, and branch-level coordination to ensure no business opportunity is missed.

Job details

Position title

Relationship Officer – Islamic Banking

Organization

NBC

Location

Head Office NBC

Employment type

Full time

Posted

Posted today

Application deadline

May 31, 2026

Job requisition ID

R-15987161

About NBC

NBC is the oldest serving bank in Tanzania, with more than five decades of experience. The bank offers a wide range of retail, business, corporate and investment banking, wealth management products and services.

Job Summary

The Relationship Officer – Islamic Banking will be responsible for supporting NBC’s Islamic Banking growth through customer acquisition, portfolio management, deposit mobilisation, financing origination support, and Shari’ah-compliant customer engagement.

The role requires strong customer service skills, sales orientation, knowledge of Islamic Banking principles, attention to detail, and the ability to build meaningful relationships with customers and community networks.

Key Accountabilities

1. Customer Acquisition and Field Business Development

Weight: 35%

The role drives grassroots business growth by identifying, approaching, and converting new-to-bank Islamic Banking customers across assigned territories and market segments. In the absence of the Relationship Manager, the Relationship Officer manages the acquisition pipeline and ensures business development activities continue without interruption.

Key responsibilities include:

• Execute a structured weekly and monthly call plan targeting prospective Lariba customers within the assigned territory, including:
  • Individuals.
  • Households.
  • Small businesses.
  • Traders.
  • Institutions.
• Generate and follow up on leads from:
  • Branch walk-ins.
  • Referrals.
  • Community networks.
  • Social media.
  • Market activations.
• Build and maintain a healthy new business pipeline.
• Conduct needs-assessment meetings with prospects to understand their financial requirements.
• Match customer needs to appropriate Lariba products, including:
  • Deposits.
  • Financing.
  • Transactional accounts.
• Prepare and present product proposals and financing applications to prospects.
• Clearly and compellingly articulate the value proposition of NBC’s Islamic Banking offering.
• Manage the end-to-end onboarding process for new customers.
• Ensure all documentation, KYC requirements, and Shari’ah compliance checks are completed accurately and promptly.
• Participate in business awareness and lead-generation activities, including:
  • Community events.
  • Market activations.
  • Mosque outreach programmes.
  • Trade association meetings.
• Maintain an up-to-date CRM record of all prospects and pipeline activities.
• Provide weekly pipeline reports to the Relationship Manager.
• In the absence of the Relationship Manager, take ownership of key pipeline deals.
• Ensure continuity of acquisition activities while escalating only decisions that are beyond delegated authority.

2. Portfolio Management and Customer Relationship Deepening

Weight: 25%

The role manages an assigned book of Lariba customers, ensuring strong engagement, product utilisation, and retention while identifying cross-sell and up-sell opportunities.

Key responsibilities include:

• Conduct regular scheduled and ad hoc relationship calls and visits with assigned customers.
• Review customers’ banking needs.
• Resolve customer concerns.
• Identify new product opportunities.
• Grow deposit balances within the assigned portfolio by proactively marketing Lariba products, including:
  • Savings accounts.
  • Current accounts.
  • Investment accounts.
• Support customers to increase their wallet share with NBC.
• Identify and refer financing opportunities within the customer portfolio to the Relationship Manager.
• Provide initial customer information and needs assessment to support credit processing.
• Monitor account activity within the assigned portfolio.
• Identify dormant accounts, declining balances, or early signs of attrition.
• Implement re-engagement strategies for affected customers.
• Handle and resolve day-to-day customer queries, complaints, and service requests within defined service standards.
• Escalate complex matters to the Relationship Manager promptly.
• Cross-sell complementary NBC products and services where appropriate and permissible, including:
  • Mobile banking.
  • Cards.
  • Insurance.
  • Trade products.

3. Deposit Mobilisation and Liability Growth

Weight: 15%

The role takes personal accountability for meeting assigned deposit mobilisation targets and acts as a primary driver of liability growth for the Islamic Banking book at branch level.

Key responsibilities include:

• Meet or exceed monthly and quarterly deposit targets.
• Actively market Lariba deposit products to new and existing customers, including:
  • Savings accounts.
  • Current accounts.
  • Term investment accounts.
• Organise and facilitate:
  • Customer education sessions.
  • Product demonstrations.
  • Community savings drives.
• Promote the benefits of Lariba deposit products.
• Track personal deposit performance against targets on a weekly basis.
• Report progress to the Relationship Manager.
• Proactively flag performance shortfalls and propose corrective actions.
• Gather and relay customer feedback on deposit products to the Relationship Manager.
• Support product improvement and competitive positioning through customer feedback.

4. Financing Origination Support and Credit Quality

Weight: 10%

The role supports the origination of Lariba financing facilities by identifying opportunities, collecting information, and assisting with application preparation while maintaining awareness of portfolio credit quality.

Key responsibilities include:

• Identify and document customer financing needs.
• Collect required financial information, business data, and supporting documents.
• Facilitate credit application preparation by the Relationship Manager.
• Conduct basic pre-screening of potential financing customers against:
  • Eligibility criteria.
  • Shari’ah compliance requirements.
  • AML/KYC standards.
• Refer qualified financing customers to the Relationship Manager.
• Follow up on approved financing offers with customers.
• Support customer acceptance and disbursement within target timelines.
• Monitor repayment behaviour of financed customers within the assigned portfolio.
• Flag early warning signs of delinquency to the Relationship Manager for prompt action.

5. Shari’ah Compliance, Reporting and Additional Responsibilities

Weight: 15%

The role upholds Shari’ah integrity in every customer interaction and operational activity. It also supports the broader reporting and administrative requirements of the Islamic Banking team.

Key responsibilities include:

• Ensure all customer-facing transactions, contracts, agreements, and communications are consistent with:
  • Approved Shari’ah structures.
  • NBC’s Lariba product manuals.
  • Shari’ah Advisory Committee-approved fatwas.
• Identify and promptly report any observed:
  • Shari’ah compliance risk.
  • Process deviation.
  • Customer complaint related to Islamic Banking.
• Report relevant issues to the Relationship Manager or Shari’ah Compliance Manager.
• Maintain accurate, complete, and up-to-date customer files and transaction documentation.
• Ensure records are maintained in line with NBC’s record-keeping policies and Shari’ah audit requirements.
• Prepare and submit:
  • Daily activity reports.
  • Weekly call reports.
  • Monthly performance summaries.
• Provide the Relationship Manager with a clear picture of business development progress.
• Participate in all Islamic Banking training programmes, Shari’ah compliance refreshers, and product updates.
• Maintain current knowledge and competency.
• Perform other duties and assignments as directed by the Relationship Manager or Head of Islamic Banking.
• Support team initiatives, events, and branch-level coordination when required.

Role and Person Specification

Education and Experience Required

Essential requirements

Applicants must have:

• Bachelor’s degree in Islamic Banking and Finance, Business Administration, Economics, Marketing, Accounting, or a related field.
• Minimum of 1–2 years of experience in a banking, financial services, or customer-facing sales role.
• Basic knowledge of Islamic Banking principles and Shari’ah-compliant product structures.
• Demonstrated ability to meet sales targets.
• Ability to manage customer relationships in a structured environment.

Desirable requirements

The following experience and qualifications will be considered an advantage:

• Prior experience in an Islamic Banking unit, Shari’ah-compliant microfinance institution, or Takaful company.
• Exposure to credit assessment, KYC/AML processes, or financial product origination.
• Certificate or short course in Islamic Finance or Banking, such as:
  • IFQ.
  • CIMA Islamic Finance Certificate.
  • Equivalent qualification.
• Working knowledge of Bank of Tanzania regulatory requirements relevant to Islamic Banking.

Knowledge and Skills

Applicants should demonstrate the following knowledge and skills:

Islamic Product Knowledge

• Working understanding of key Shari’ah-compliant product contracts and their application to customer needs, including:
  • Murabaha.
  • Ijarah.
  • Musharaka.
  • Mudaraba.
  • Wakala.

Sales and Prospecting

• Ability to prospect, approach, and engage potential customers confidently.
• Ability to handle customer objections.
• Ability to close business within approved product parameters.

Customer Service

• Strong interpersonal skills.
• Strong listening skills.
• Commitment to resolving customer issues.
• Ability to deliver a consistently positive customer experience.

Attention to Detail

• Accuracy in completing:
  • Customer documentation.
  • KYC records.
  • Transaction records.
• Ability to meet standards required by Shari’ah audit and regulatory compliance.

Numeracy and Reporting

• Ability to track personal performance data.
• Ability to prepare simple reports.
• Ability to interpret targets and actual results.

Communication

• Clear and confident verbal communication in Swahili and English.
• Ability to explain Islamic Banking products in plain and accessible language to customers.

Digital Literacy

• Comfortable using systems and platforms relevant to the role, including:
  • Core banking systems.
  • CRM tools.
  • Mobile banking platforms.
  • Digital banking platforms.

Competencies

Applicants should demonstrate the following competencies:

Entrepreneurial and Commercial Thinking

• Proactively seeks business opportunities.
• Driven by targets.
• Motivated by results.

Relating and Networking

• Builds genuine rapport with customers and community contacts.
• Leverages personal networks to generate leads and referrals.

Persuading and Influencing

• Presents NBC’s Lariba proposition convincingly.
• Handles customer questions with confidence and credibility.

Delivering Results and Meeting Customer Expectations

• Consistently meets or exceeds acquisition, deposit, and service targets.
• Follows through on commitments to customers.

Deciding and Initiating Action

• Takes prompt action on leads and customer requests.
• Does not wait to be directed on routine business development activities.

Adapting and Responding to Change

• Adjusts approach based on:
  • Customer feedback.
  • Market conditions.
  • Management direction.

Learning and Researching

• Actively builds knowledge of:
  • Islamic Banking products.
  • Competitor offerings.
  • Customer needs.
• Participates willingly in training.

Integrity and Ethical Conduct

• Upholds Shari’ah compliance.
• Upholds NBC’s code of conduct in all dealings with customers and colleagues.

Qualifications

Required qualifications and related capability areas include:

• Bachelor’s Degrees and Advanced Diplomas in Business, Commerce and Management Studies.
• Commercial mindset – Junior, meeting some requirements and requiring further development.
• Customer Excellence – Service Delivery, meeting all requirements.
• Digital familiarity, meeting all requirements.
• Effective communication – Basic, meeting all requirements.
• Experience in a similar environment.
• Openness to change, meeting some requirements and requiring further development.
• Product and/or Service Knowledge, meeting all requirements.
• Sales Management, meeting some requirements and requiring further development.

How to Apply

Interested and qualified candidates should apply online through the official NBC recruitment portal.

Application deadline

May 31, 2026

CLICK HERE TO APPLY