Experience

VISIONFUND TANZANIA

• Banking
• 1 - 100 Employee

• Head of Credit & Operations

  • Feb 2023 - Present

  Responsible for determining the strategic direction by overseeing risk analysis, managing Credit risk,building capacity of Credit staffs,oversee loan underwriting, administration/operations and Recoveries Responsible for determining the strategic direction by overseeing risk analysis, managing Credit risk,building capacity of Credit staffs,oversee loan underwriting, administration/operations and Recoveries



Equity Bank Limited

• Financial Services
• 700 & Above Employee

• Head – Debt Collections, Recoveries and External Agencies Management.

  • Jun 2020 - Feb 2023

  I am an experienced Trustworthy and Reliable Banker with enough years’ experience in banking who have good knowledge of Management of risk Assets and Credit Policies guiding activities in the Bank, Have adequate knowledge and practices on lending policies, procedures and operating manual, Have good credit appraisal ,Loan Workout, Restructuring skills and NPL management skills, excellent negotiation skills, can grasp and learn quickly, Good in problem and queries solving, Good in providing customer experience, Leadership and Coaching Skills and Have good skills on Performance management and effective risk management and able to promote strong risk management culture. Show less



CRDB Bank Plc

• Tanzania
• Banking
• 700 & Above Employee

• Principal Officer, Loan Recovery and External Agencies Supervision

  • Aug 2016 - Jun 2020

  Key Responsibilities: • Attain goals and objectives of Rehabilitation and Recoveries for all asset products in line with Recoveries procedure and policy and assigned parameters and be responsible for overall performance of the assigned portfolio. • Manage Bank Recovery portfolio of both consumer loan contracts as well as personal SME’s, Corporate and mortgage loans by ensuring proper recovery measures are taken on time. • Recover or Restore to performing Non- Performing loans in the shortest time possible at the least cost. • Ensure that all delinquent accounts are rectified through close follow up with the relevant branch/Relationship manager/Personal Banker and a customer to ensure there is no role forward of accounts. • Recommend for Legal recovery measures to be taken and allocate accounts to external debt collectors. • Prepare and recommend for loan repayment schedule (Restructuring) and settlements on the Non-performing loans. • Assist Head of SAM to initiate, develop and recommend for restructuring and recovery strategy to the customer to make sure there is a continuous and on demand loan recovery activities in the Bank towards reduction of NPL as targeted by the Bank Management. • Support branches in all recovery strategies and guidelines and guide them appropriately to maximize recoveries form NPL and Charged off Loans, and in the process of managing the external Agencies (Debt Collectors, Property Valuers and Auctioneers). • Assist head of SAM to coordinate and manage all banks appointed external agencies (Debt Collectors, Auctioneers, and Property Valuers etc). • Provide professional judgement to ensure proper provisions are taken in line with BOT/IFRS requirements while adhering to the internal Bank policies. • Attend court cases with the lawyer representing the Bank on the cases that relate to Loan Recoveries. Show less



Stanbic Bank

• Banking
• 700 & Above Employee

• Assistant Recovery Manager (Team Leader), Recoveries Team.

  • Apr 2014 - Aug 2017

  • Functionally managing Recovery unit & supervising and providing leadership to a team of recovery officers, training all Recovery officers and ensure full implementation of various recovery strategies to maximise recovery rates in close collaboration with the head of the department. • Attending court cases at all levels in case of dispute between the Bank and the customer. • To maximise the recovery rate in a prudent cost effective manner to ensure efficiency and effectiveness of recoveries. • Review loan documents and liaise with internal and external clients to ensure proper and efficient delivery of credit administration activities • Preparing Recovery plans as well as writing monthly recovery reports. • Working closely with the Vendors and the Auctioneers as well as attending the auctions held by auctioneers in favour of the Bank. • Maintain Bank-Customer relationship through customer value maximization • Adhering to the Bank policies and Procedures during the conducts of the work in and outside the Bank. Show less