Catherine Evans Joseph

Experience

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  Tanzania Revenue Authority (TRA)

  Jun 2014 - Sept 2014

  Finance Intern

  - Worked with Senior Principal Accountant and finance officers of The Tanzania Revenue Authority (TRA) on the compilation of financial report for the financial year ended July 2013- June 2014.- Recorded revenues collected from various commercial banks and The Bank of Tanzania (BOT) across the country.- Prepared cashbooks of various commercial banks in Tanzania held at Tanzania Revenue Authority (TRA).

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  Modelux Properties Dubai

  Dec 2016 - Apr 2017

  Property Coordinator & Assistant to Business Development Manager (BDM)

  - Worked in acquiring Agency Agreements, NOC’s and Inventory from developer’s example Azizi, Damac, Danube, Dubai Properties, Omniyat, Ellington, Sobha, Tanmiyat and Tamleek.- Prepared and Wrote emails on behalf of the BDM- Managed the Propspace Customer Relationship Manager (CRM) for Rentals and Sales Listings- Prepared and Managed Posting Real Estate Rental and Sales Listings Advertisements on portals like Dubizzle, Bayut, Property Finder, Yzer Property, Just Property.- Managed the advertisements of the Listings posted, and making sure the listings got high viewing rates and calls.- Managed the queries received (through emails and calls) on the Listings in perspective, and assigned them to the agents in charge of the listing.- Recorded and Monitored the calls that agents receive. Received and Managed Calls from potential investors and clients and assigned them to the respective agents in question.- Managed the Company’s website Show less

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  CRDB Bank Plc

  May 2017 - May 2017

  Intern

  - Collected Data regarding staff housing loans.- Entered Data on Excel sheets and analyzed them.

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  Sanlam

  Jul 2017 - Oct 2017

  Credit Controller & Consultant

  -Delivered 70% of the targeted Debt Collections from Sanlam Debtors that were due for over 60 days. These debtors were Insurance Agencies and Brokers, whom offered Premium on behalf Insurance Companies on credit basis. This was prior to The Tanzania Insurance Regulatory Authority (TIRA) imposed a NO CREDIT policy for Insurance Premiums.- Developed and Presented The Debt Collection Reports on every debtor that Sanlam deals with. The reports were presented to the Country Credit Manager, Acting Country CEO.- Strong Analysis of Data Collected on all Excel Reports using Vertical Lookup (V-Lookup) to trace data , Logical Comparisons of Data using “IF” Functions Show less

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  Stanbic Bank

  Nov 2017 - Nov 2019

  • In just 9 months grew the Insurance Premium Financing (IPF) Portfolio by 75% through aggressive personal selling and 90% business retention.• Organized and trained staff (branch personnel and department staff) on Home Insurance Cover, Insurance Premium Financing, Commercial Motor Insurance, Commercial Property Insurance and Business Insurance. The staff learnt about these products through Visual Presentations and Observation during direct client engagements.• Delivered 40% above Yearly Targeted Revenue based on Total Insurance Sales generated from Commercial Clients Portfolio. This was attained by employing the strategy to push more sales in Commercial Motor Covers by offering clients with large fleets the IPF Option to finance their covers through equated monthly instalments at applicable interest rates paid in a period of ten (10) months.• Brought in New Clients, belonging to both, the Personal and Commercial Portfolio. I porched Personal Clients through Referrals, Platforms such as LinkedIn and Direct Engagements. As for Commercial Clients, I acquired them through Organized Pitches, strategic collaboration with Relationship Managers and Business Clubs.• Constructed and Presented Country’s Bancassurance Monthly Reports detailing revenue generated across all Insurance Products. Built Financial Models that showcased comparison of the current performance vs previous monthly performance over the years. These Reports were presented to the Country Head of Bancassurance, Group COO Wealth Africa Regions, Group Head of Commercial Insurance and Group Bancassurance Senior Managers.• Achieved Minimum Turnaround time for Claims Processing, through being aggressive and firm with Claim Managers of the respective Insurance Companies. Show less • Constructed Analysis on the performance of the digital products offered to the small businesses. Products include Business Online and Stanbic Bank Biashara Mobile.• Slashed the dormant clients from the portfolio through analyzing client’s last transaction date, for which if account had zero balance and not transacted for over a year, would submit it for closure. This helped minimize the account maintenance costs.• Oversaw the onboarding and integration of new clients in to the portfolio.• Created and Maintained an ecosystem for clients, which allowed the business to have direct access to the respective experts they seek consultation from.• Conducted data checks on the businesses in the portfolio, to ensure that they are compliant according to the statutory requirements set by the Central Bank. Show less Graduate Trainee - ExperienceA. Treasury• Daily Liquidity Management• Study Liquidity Policies & Ratios• Daily Maturities Management (For Swaps, Futures & Forwards)• Asset and Liability Management (For Deposits & Loans)• Margin Analysis• Compute the Fund Transfer Pricing Concept & Derivation, for both Retail Banking & Corporate, Investment Banking.• Risk Management through stress testing, daily monitoring of liquidity.• Monthly Economic Review and Presentation for Executive Committee, Asset & Liabilities Committee (ALCO) & Board MeetingsB. Management Information, Data Analytics & Products - • Developed the Swahili Script from scratch for Stanbic Bank USSD Swahili Mobile Banking for both Retail and Biashara (Business) Users, and oversaw deployment to the public.• Trained clients on the usefulness of digital products offered by the bank ( Assets and Liability Products) • Constructed and Presented competitive analysis on our products vs those of competitors.• Generated and Presented Performance Reports for Relationship Managers, Product Managers, Head of Business Banking, Head of Personal Banking, Head of Personal & Business Banking. This was achieved through mining data from Cognos and running Structured Query Language on MySQL, develop the data mined and showcase it in models understood by the stakeholders. C. Digital Banking • Championed the campaign to drive up usage of Standard Bank/Stanbic Bank Mobile App, Till to Bank, Card Utilization and Stanbic Bank Mobile Banking USSD.• Prepared and Presented Research Report on Cards Utilization, Acceptance and Declining Rate on E-Commerce, POS & ATM Channels. The Report was presented to the Executive Committee including the CEO of the Bank.• Appointed by the CEO, to serve as a member of the Bank’s Official Service Committee . The Service Committee oversaw that each department administered services to our clients according to standards set by the Group. Show less

  • Bancassurance Specialist (Commercial Clients Portfolio)

    Mar 2019 - Nov 2019

  • Business Banking Analyst, SME Portfolio

    Sept 2018 - Feb 2019

  • Graduate Management Trainee

    Nov 2017 - Aug 2018
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  Undrafted Passion

  Nov 2019 - Dec 2022

  Content Writer

  Undrafted Passion is a passion project of my own.On this platform, I write about a number of topics and issues that I have knowledge about. Important causes and fields that are dear to my heart.Writing has always come natural to me. I spend most of my free time reading and writing academic papers, documents and articles, just trying to enhance my understanding. So it made sense, for me to create this website, as a way to invite people to read about some of the things, important causes and knowledge that my brain encompasses. I promise you, this is not even the half of it. Take time to scroll, read and learn some new things. My aim is to give you the best content. (https://undraftedpassion.wordpress.com)Thank you Show less

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  Al Fusaic

  Jul 2020 - Dec 2020

  MENA Contributor & Content Creator

  Al Fusaic is a platform that offers learning resources to keep pace with the Middle East and North Africa Region, MENA. Original perspectives of the region are shared that were shaped by our cross-cultural experiences.I research, write and publish content regarding Health Space and Real Estate in the MENA Region.

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  Pierson Insurance Solution Limited

  Jan 2024 - now

  General Manager

  • Formulating and executing strategic plans to achieve company goals and objectives.• Identifying opportunities for business growth, including entering new markets or offering new products.• Ensuring the brokerage operates in accordance with relevant laws, regulations, and industry standards.• Supervising department heads and staff to ensure efficient operations across underwriting, claims, sales, and customer service.• Establishing operational policies and workflows to maintain consistency and efficiency.• Tracking key performance indicators (KPIs) and adjusting strategies to improve productivity and profitability.• Building and maintaining strong relationships with corporate and individual clients to enhance customer satisfaction and retention.• Overseeing and supporting the sales team in acquiring new clients and maintaining relationships with insurers and reinsurers.• Collaborating with insurers to design and market tailored insurance products that meet client needs.• Preparing budgets, forecasting revenue, and control expenses to ensure profitability.• Identifying ways to maximize commissions and fees from insurers while providing value to clients.• Monitoring and mitigating financial risks associated with claims, client defaults, and market fluctuations.• Recruiting, training, and retaining skilled professionals to maintain a competitive edge, to enhance employee performance and engagement.• Implementing and overseeing the adoption of technology to streamline operations, such as CRM systems, claims automation, and analytics tools.• Using analytics to identify trends, forecast risks, & support decision-making for stakeholders, including board members, investors, & regulatory bodies.• Representing the brokerage in industry events, negotiations with insurers, and public forums.• Addressing and resolving disputes, claims escalations, and client grievances effectively.• Responding to market changes and emerging risks to maintain competitiveness. Show less