- Alfred Shao; Chief Wholesale Banking; NMB Bank PLC; Fredrick Max; Head, Business & Commercial Clients; Stanbic Bank
Stephen Mpuya
Kisanga B; Mivumoni
Summary
An initiative-taking and result oriented individual with a proven record of excellence throughout a 16-year career, 14 of which In Banking. Succeeding over the various roles has consistently required the use of strong communication & analytical skills and strategic thinking, always being part of teams with the requirement to motivate, influence and lead. Enjoyment is derived from analyzing information and working with numbers, Oriented towards practical works, communicate well and comfortable with presentations and optimistic. Considerate of others, appreciate receiving feedback and driven to achieve outstanding results.
Overview
16
16
years of professional experience
Work History
Head Business Solutioning
Stanbic Bank
08.2024 - Current
- Implement lending and transactional solutions for business clients based on customer needs ensuring scalability. Owns product value chain from product development, pricing, notional profitability management, feature development and service / API enablement
- Acts as central point of accountability for product and solution design, evaluation, management, measurement, and reporting
- Accountable for overall product profitability and ROE as set by financial objectives. Defines and implement remedial actions in collaboration with relevant Country Heads of Segment
- Ensures compliance with Group Credit and Operational Risk standards. Represents Business Solutioning for BCB country at following forums for relevant decision making: CRMC, ALCO (Assets and Liabilities Committee), NABPS.
- Retains central oversight of all risk and remediation matters relating to banking solutions. Implements and monitors risk management across banking solutions (e.g., operational risk, credit risk, and partner risk management). Manages operational risk losses within prescribed tolerance levels
Head Personalization
Stanbic Bank (T) Ltd
07.2021 - 07.2024
- Business lead in risk appetite development process resulting into 23% improvement in size of performing book.
- Built profitable lending and transactional products including working capital solutions within value chains that increased value of disbursements by 400% and deposits book by 200%
- simplified processes and touch points to help improve service delivery including refinements in loans verification process, improving TAT by 3 days, refinements in business on boarding forms reducing pack by 33% and Digital channel forms by 89%
- Lead implementation of behavioral economics tools and use of recommendation engines providing bankers with Next best action and next best offers resulting in 10% lift in segment revenues.
- Work with data both internal and external to generate quality insights to support acquisition and retention strategies.
Senior Manager, Business Solutions & Recoveries
Stanbic Bank (T) Ltd
02.2021 - 07.2021
- Partner with business teams to ensure clients in pre-NPL space are rehabilitated whilst providing advisory to group on corrective actions on key risk accounts. Provided Group administrative support, sold down four non performing exposures worth USD 5m and completed settlement of two accounts worth USD 1.2m
Senior Relationship Manager, Commercial Banking
Stanbic Bank (T) Ltd
09.2017 - 07.2021
- Handled accounts for large local corporates both with and without connected exposures in other regions largest transaction being USD 37m in process improved portfolio revenue by 88%
- Building ongoing close relationships with high value customers in portfolio, as well as with various commercial business associations for purpose of generating ongoing credibility, income, and positive sentiment for bank.
- Strengthen and leverage well developed internal networks with group specialists and specialist consultants from various Business Units to successful development of customized and tailor-made financial solutions that span full spectrum of multi-product offerings.
Senior Relationship Manager, Sector Lead Oil & Gas
Stanbic Bank (T) Ltd
01.2020 - 02.2021
- Proactively understand the needs and direction of the Oil & Gas Portfolio then drive solution development for players in the Oil & Gas sector ensuring the bank continuously adds value to the sector in return for growth.
- Provide advisory to relationship teams and management on Industry developments ensuring bank partners with right clients and the sector remains credit worthy.
- Work with Oil & Gas teams across standard bank group to develop cross country workstreams that help localize international solutions.
Relationship Manager, Public Sector & Franchises
Stanbic Bank (T) Ltd
01.2016 - 08.2017
- Developed the public sector transactional proposition which significantly improved the bank's competitiveness leading to doubling of the public sector book. Today, public sector portfolio makes up 35% of Units deposit book largely on account of this proposition
- implemented risk appetite framework for financing franchises allowing unit to execute transactions for franchise businesses in the country.
Relationship Manager, Acquisition
Stanbic Bank (T) Ltd
12.2014 - 12.2015
- Ensure achievement of commercial new sales objectives, acquisition of profitable customers growing the deposit base whilst ensuring economic profit metrics are met for newly acquired clients.
- Ensure achievement of economic profit drivers for all newly acquired clients.
Relationship Manager
Stanbic Bank (T) Ltd
07.2013 - 12.2014
- Effectively manage portfolio of clients, ensuring reviews, overall client pricing, facility compliance and cross sell ratios metrics are met to improve overall client profitability.
- Conduct needs analysis for prospects & Existing clients in line with client’s financial performance, strategy & Industry trends and drive and oversee the execution of strategic plans for the client.
SME Manager
Stanbic Bank (T) Ltd
01.2012 - 07.2013
- Managed an SME team of 30 business bankers with a focus on building a talent pool through talent mapping, accreditation, consequence management, succession planning, reward, and recognition.
- Manage the SME Portfolio ensuring timely portfolio reviews, adherence of end-to-end Turnaround times and arrears management.
- Suggest and execute effective tactical plays and strategies to aggressively grow the SME client base thereby growing the bank’s financials.
Products and Pricing Manager
Stanbic Bank (T) Ltd
07.2011 - 12.2011
- Improving revenues through product growth and introduction of new business opportunities in personal products
- Implementation of Sales campaigns, Road shows, product promotions and development of Product FAQ’s
- Perform market product and pricing intelligence and recommend pricing schemes that will increase fees and commission.
Consultant, Self Service Channels
Stanbic Bank (T) Ltd
08.2010 - 12.2011
- Planning and strategizing to ensure clients are migrated to Self-service channels.
- Ensuring all queries regarding Self Service Channels are resolved within agreed Turnaround times and that channels have acceptable uptime levels.
- Spear head innovation and development of Self-service channels while tracking performance of Self-Service Channels and ensure they are profitable.
MIS Analyst
Stanbic Bank (T) Ltd
03.2011 - 06.2011
- Producing analytical reports on a daily, weekly, and monthly basis to assist in management decision making.
- Handling Ad-hoc queries for information that would be important for management decision making.
CRM Database Executive
Toyota Tanzania Limited
09.2008 - 08.2010
- Maintaining TTL customer database Kerridge; run database reports for analysis.
- Capturing Customer satisfaction indexes from all departments and generate reports for After Sales Development Manger to analyze.
- Maintaining Voice of Customer database, supervising technical aspects of VOC and SQL while coordinating customer complaint resolution process.
Education
Future fit Senior Banker Development Program - Business Management
WITS Business School
Johannesburg, South Africa09-2023
MBA - International Business - International Business Management
Indian Institute of Foreign Trade
India07-2017
Advanced Diploma in Accountancy - Accounting
Institute of Finance Management
Dar Es Salaam07-2008
Skills
- Analytics
- Capital Management, Change management
- Business Communication
- Risk Assessment;
- Technology application, Solution designing
- Strategic Thinking; Adaptive
Interests
Timeline
Head Business Solutioning
Stanbic Bank
08.2024 - Current
Head Personalization
Stanbic Bank (T) Ltd
07.2021 - 07.2024
Senior Manager, Business Solutions & Recoveries
Stanbic Bank (T) Ltd
02.2021 - 07.2021
Senior Relationship Manager, Sector Lead Oil & Gas
Stanbic Bank (T) Ltd
01.2020 - 02.2021
Senior Relationship Manager, Commercial Banking
Stanbic Bank (T) Ltd
09.2017 - 07.2021
Relationship Manager, Public Sector & Franchises
Stanbic Bank (T) Ltd
01.2016 - 08.2017
Relationship Manager, Acquisition
Stanbic Bank (T) Ltd
12.2014 - 12.2015
Relationship Manager
Stanbic Bank (T) Ltd
07.2013 - 12.2014
SME Manager
Stanbic Bank (T) Ltd
01.2012 - 07.2013
Products and Pricing Manager
Stanbic Bank (T) Ltd
07.2011 - 12.2011
MIS Analyst
Stanbic Bank (T) Ltd
03.2011 - 06.2011
Consultant, Self Service Channels
Stanbic Bank (T) Ltd
08.2010 - 12.2011
CRM Database Executive
Toyota Tanzania Limited
09.2008 - 08.2010
Future fit Senior Banker Development Program - Business Management
WITS Business School
MBA - International Business - International Business Management
Indian Institute of Foreign Trade
Advanced Diploma in Accountancy - Accounting
Institute of Finance Management
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