Experience

• 

  Pride malawi

  Sept 2014 - Mar 2017

  Credit officer
• 

  Zoona

  May 2017 - Apr 2020

  Responsibilities:• Participation in strategic planning, management, implementation, and reviews.• Managed the business management and growth – analyzed the market with a view of identifying, recruiting, and training new agents.• Retained customers and addressing their challenges and recommendations on business changes.• Ensuring adherence to organizational operational standards by assuring quality and procedural operations in line with annual and long – term business strategic goals.• Was in – charge of general regional management in operational demanding and challenging environments including sales and marketing, brand, and service management.• Managed stakeholder relationships i.e., City Councils, District Councils, Police, Registrar Generals Office, Market/Community leaders etc.• Identified and cultivated new business strategic alliances and managing existing ones.Achievements:• Supervised all aspects of business including business development, client services and operations for a company generating $1.4k in yearly revenue.• Maintained outlet active ratio of 95% across the regions.• Reduced outlet inactive ratio to 10%• Management key aspect of FCB – Zoona/Mukuru relationship for agent cash wholesaling• Successfully Coordinated Zoona - UNCDF project to set up an entrepreneurship Academy in Malawi which would empower female tellers with right business skills to succeed atZoona and beyond. Within a month 300 women were interviewed, trained them on business and entrepreneurship, created a career pathway and set them for business. Show less Role: Preparing, roll-out and implementation of Marketing & Communications activities in Malawi. Responsibilities: • Liaising with the Cape Town team- Managing all marketing for the company and activities within the marketing department.• Organizing on- the-ground execution of marketing campaigns in Malawi by liaising with partners, media buyers, suppliers, agencies, and agents.• Planning and implemented promotional campaigns.• Creating quality marketing messaging, and testing with consumers, agents, and tellers.• Marketing budgeting and allocate/invest wisely• Offering Chichewa translation and localization support - coordinating suppliers if necessary.• Sourcing content (written, photo, video) for Zoona storytelling and PR Initiatives - in line with the Zoona Communication Themes.Achievements: • Appointed as first in - country Marketing Coordinator.• Established and maintained working relationship with major media houses in Malawi (Zodiak, MBC and Times Group).• Collectively with the Managing Director convinced Zoona Cape Town top Management to approve our marketing budget for Malawi - first of its kind, valued at MWK 10million. • Planned and implemented radio phone in program for Zoona awareness promotion with 100% success.• Successfully run Zoona promotion campaigns across MalawCame up with a marketing promotion plan for Sunga (savings platform) product for Zoona customers and registered 2000 customers in its pilot phase for it to be registered by Reserve Bank of Malawi Show less

  • Channels Management Lead

    Mar 2019 - Apr 2020

  • Marketing and Communications Coordinator

    Oct 2017 - Feb 2019

  • Agent Acquisitions Lead

    May 2017 - Sept 2017
• 

  Mukuru

  May 2020 - Jan 2021

  Operations manager

  Coordinating and overseeing the operations area of MMTU. This involves among other duties, the scheduling of cash for the various business locations, carrying out mini cash audits on the business locations, and assets managementResponsibilities:• Oversee the scheduling and cash levels across Malawi sites• Ensure scheduling is done in the most efficient manner• Ensure Malawi maintains a high functioning CIT model• Ensure there are no cash run-outs across sites• Oversee macro and micro cash flows forecasts• Manage the financial aspects of the Malawi operations• Effectively manage capital and operational expenses• Ensure working capital is managed effectively• Facilitate Macro Funding requests with treasury• Ensure inventory is managed effectively• Manage relationships with banking partners• Ensure remittance and petty cash is managed accurately• Check and verify that remittance and petty cash reconciliations are accurate• Investigate and resolve all remittance and petty cash reconciliations issues promptly• Ensure Mukuru sites are running optimally• Manage regional supervisor's financial and quality audits across sites• Manage risks across sites• Monitor that all sites trade during trading hours• Oversee tech enhancements for all sites• Oversee site maintenance and expansion• Ensure compliance with all regulatory and reporting requirements• Ensure all reporting and submissions are actioned to Malawi Revenue Authorities• Oversee internal compliance• Ensure compliance with all external regulations• Perform a general management function for the team• Manage own professional and self-development Achievements:• Collectively managed to convince top management to acquire four new vehicles for operations• Successfully part of the team that saw smooth transition from Zoona to Mukuru ensuring undisrupted business.• Collectively opened a new partnership with FDH bank for cash whole selling. Show less

• 

  Microloan foundation

  Feb 2021 - May 2022

  Credit admin and control unit manager

  Providing functional oversight of the day to day operations of CAU and ensuring that it operates in an efficient and effective manner to support the balanced growth and risk management of the company's credit portfolio. Responsibilities:1. Credit Underwriting/Adjudication2. Credit Administration and Monitoring3. Risk Management and Compliance4. Operations Effectiveness5. People Management Achievements:• Speedy Loan Approval and disbursement process - 48hr timeline in effect.• Complete migration to paperless loan processing and disbursement. Saving 4-5 reams of paper weekly contributing to cost cutting measures of the company. • Elimination of funds bouncing back to MLF account due to wrong account numbers by incorporating clients account numbers in the system.• Enforcement of National IDs for all clients.• Between the month of April and June, 2021 – the company was hit by internal fraud of big magnitude orchestrated in finance department. It meant the company was either to stop disbursing new loans and not accounting for the repayments. CAU was given the role to take over this task from Finance department and make sure things didn’t fall out. I and the team took the bull by the horns and made sure all was well and for the first time in 20 years – the company registered profits onwards.• Built a communication bridge that ensured constant alignment between a network of 21 branches across Malawi and CAU/HQ team.• Enforcement of 50% loan progression rule mitigating risk of defaulters.• Enforced 10% client’s savings - against loan applied for.• Maximum optimization of CAU department by restructuring roles and responsibilities to ensure smooth flow of loan packages from Branch to CAU department and Finance Department.• Minimized the risk of losing funds through channeling of funds to wrong client accounts by 99% - through employing due diligence check at department level. Show less

• 

  Mukuru

  Jun 2022 - Jul 2022

  Marketing and partner relationship lead

  Marketing Campaigns• Implementing digital and social media campaigns to support product launches, promotions, and localized events• Collaborating with the marketing department to develop effective roll-out plans for activations, roadshows, and other initiatives• Creating compelling support materials including brochures, flyers, scripts, videos, and field communication• Researching on competitors' promotional activities and market trendsPartnership Management• Managing the Mukuru Might Wanderers partnership to maximize visibility and engagement• Fostering relationships with new and existing partners, providing training and support for consistent service delivery• Identifying new business opportunities and facilitating negotiations and onboarding of partnersSales Force Support• Collaborating with Account Executives to develop promotional packages for clients• Developing promotional materials and ideas for staff events, presentations, and photographyBrand Growth• Monitoring the business environment and proactively identify opportunities to elevate the Mukuru brand• Developing and executing marketing initiatives for launches of new partners and products. Show less

• 

  Higher education students' loans and grants board (heslgb)

  Aug 2022 - now

  Providing strategic leadership and management in Loans and Grants Disbursement services in the Board, in the interpretation and implementation of loans and grants disbursement policies, work programs, plans and related budgets as approved by the Board. Providing strategic leadership and management in loan recovery services in the Board, in the interpretation and implementation of loan recovery policies, work programs, plans, and related budgets as approved by the Board

  • Loans and Grants Disbursement Manager

    Jan 2024 - now

  • Loans Recovery Manager

    Aug 2022 - Jan 2024