Micro Merchant Acquisition

National Bank of Commerce (WI/MN) Bochum

Stellenbeschreibung:

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

Ensure that all activities and duties are carried out in full compliance with regulatory requirements, Enterprise - Wide Risk Management Framework and understand and manage risks and risk events relevant to the role.

Job Description

Key Accountabilities

Serve:

Accountability: Merchant Onboarding, Activation & Transaction Growth (40%)

Drive daily merchant onboarding ensuring proper documentation, KYC compliance, and smooth merchant registration.

Ensure timely QR/merchant code generation and immediate activation.

Monitor merchant activity, identify non-transacting merchants, and execute targeted reactivation plans.

Resolve merchant issues related to transactions, settlement delays, QR failures, or onboarding gaps by coordinating with Merchant Support and Operations.

Review transaction patterns, detect risky behaviours, and escalate suspicious or fraudulent cases to Risk and Compliance.

Train merchants on digital adoption, transaction procedures, and customer acceptance methods to increase usage.

Support branches with executing merchant activation drives, QR awareness campaigns, and digital payments promotions.

Determine:

Accountability: Merchant Acquisition Planning & Performance Tracking (30%)

Develop weekly merchant recruitment and activation plans covering QR/Lipa Namba onboarding, and digital transaction mobilisation.

Maintain merchant dashboards for acquisition volumes, activation rates, transaction performance, refunds, chargebacks, and portfolio growth.

Analyse merchant distribution in key markets (boda hubs, dukas, mamalishe, kiosks, retail shops etc.) and identify expansion opportunities.

Recommend actions to address low-performing segments, inactive merchants, or areas with weak QR penetration.

Engage:

Accountability: Merchant, Branch & Stakeholder Coordination (30%)

Work closely with Branch Managers, DSAs, Agency Officers, and Ecosystem RMs to drive coordinated merchant acquisition and activation.

Engage market associations, local authorities, micro-clusters, and small-business groups to promote NBC digital payment solutions.

Conduct merchant education on digital payments, fraud prevention, QR usage techniques, and customer acceptance strategies.

Gather and communicate field insights, competitor activity, and merchant feedback to strengthen product relevance.

Role / Person Specification

Education and Experience Required

Diploma or Bachelor's degree in Business, Banking, Marketing, Finance, or related field.

2–4 years' experience in merchant acquisition, agency banking, fintech/digital payments, or field sales.

Experience with QR, POS, mobile money, or micro-merchant ecosystems is an advantage.

Knowledge & Skills:

Digital payments (QR, POS, mobile money)

Merchant acquisition and field execution

Strong relationship-building and negotiation skills

Market mapping and segmentation

Competencies:

Delivering Results & Meeting Customer Expectations

Relating & Networking

Planning & Organising

Adapting & Responding to Change

Entrepreneurial & Commercial Thinking

Qualifications

Bachelor`s Degrees and Advanced Diplomas - Business, Commerce and Management Studies, Commercial mindset - Junior (Meets some of the requirements and would need further development), Customer Excellence - Service Delivery (Meets all of the requirements), Digital familiarity (Meets all of the requirements), Effective communication - Basic (Meets all of the requirements), Experience in a similar environment, Openness to change (Meets some of the requirements and would need further development), Product and/or Service Knowledge (Meets all of the requirements), Sales Management (Meets some of the requirements and would need further development)

NOTE / HINWEIS: