Victoria Tuhafifa Hamukwaya
Windhoek
Summary
Experienced Mortgage Loans Growth Manager with a strong track record at FNB Namibia, specializing in driving market expansion and optimizing product portfolios. Demonstrated success in increasing mortgage originations through effective leadership in sales management and risk assessment. Proficient in nurturing customer relationships and developing high-performing teams, ensuring compliance and operational excellence. Aiming to leverage expertise to further enhance organizational growth within the mortgage sector.
Overview
23
23
years of professional experience
Work History
Mortgage Loans Growth Manager
FNB Namibia
09.2023 - Current
- Lead strategic initiatives to enhance the mortgage loan product portfolio, driving growth and market penetration in Windhoek, Far North, Coast and the rest of the Country
- Lead a team of 30 mortgage loan sales experts, offering guidance and support to enhance productivity, providing training and mentorship to enhance skills and performance, in order to meet sales objectives
- Spearhead the development and execution of loan growth strategies that resulted in an increase in mortgage originations year-over-year
- Cultivate and maintain relationships with real estate agents, financial institutions, local authorities, Private and Public Organisations, and community organizations to drive referrals
- Conduct outreach programs, trainings and workshops to educate new and existing Agents/Developers, and potential clients about mortgage products and services
- Collaborate with cross-functional teams including marketing, development teams, operations, and compliance to ensure creation of customer-focused mortgage solutions, and alignment with strategic goals and regulatory requirements
- Conduct market analysis to identify emerging trends and opportunities in the mortgage lending sector, driving the strategic agenda to leverage these insights, and to identify opportunities for improved and new loan products and services
- Implement customer-centric initiatives that improved customer experience metrics, enhancing brand loyalty and retention
- Ensure all mortgage loan operations adhere to all regulations, stay updated on industry regulations and ensure team compliance through adequate training
- Provide excellent customer service by addressing client inquiries and resolving issues timely
- Conduct needs analysis to provide tailored mortgage solutions for clients
- Track and report on key performance indicators related to loan growth and team performance
- Utilize data analytics to improve strategies and increase efficiency in the loan origination process
Sales Manager – Home Loans Windhoek/Far North
First National Bank of Namibia
12.2015 - 07.2023
Head Service Support
Standard Bank
02.2015 - 09.2015
- Oversaw operational support services, ensuring that branch teams provided excellent customer service and efficient banking solutions
- Developed and implemented service protocols resulting in an increase in customer satisfaction metrics
Bank Branch Resource Manager
01.2014 - 01.2015
- Managed branch resources, optimized staff performance, and improved operational efficiency across multiple locations
- Coordinated budgeting and resource allocation, achieving a cost reduction without compromising service quality
Risk Consultant & Controller
FNB Namibia
04.2007 - 12.2013
- Conducted risk assessments and implemented controls that reduced financial exposure and enhanced compliance
- Provided training and guidance to staff on risk management policies and procedures
Credit Manager's Assistant
FNB Namibia
10.2005 - 04.2007
- Supported the Credit Manager in assessing loan applications, monitoring credit risk, and enhancing the lending process
- Assisted in the development of credit risk policies that improved loan approval times
Foreign Exchange Official
First National Bank of Namibia
07.2004 - 01.2005
- Facilitated foreign exchange transactions, ensuring compliance with regulatory standards and enhancing customer satisfaction
Bank Enquiries Clerk
First National Bank of Namibia
04.2002 - 06.2002
- Handled customer inquiries and assisted with account management, enhancing the overall customer experience
Education
Master of Leadership and Change Management -
Namibia University of Science and Technology (NUST)–Harold Pupkewitz Business School
11.2024
Master of Science - Business Management (Business Analytics)
University of Essex
United Kingdom01.2022
FristRand Namibia Leadership Development Program -
ITISA South Africa
South Africa01.2018
Bachelor’s Degree - Business Administration
Namibia University of Science and Technology (NUST)
04.2017
National Diploma - Business Administration
Polytechnic of Namibia
01.2014
Certificate - Business Management
Polytechnic of Namibia
01.2011
Certificate - Branch Administrators’ Development Program
University of Stellenbosch
South Africa01.2008
H/IGCSE -
Swakopmund Secondary School
01.1999
Skills
- Mortgage Sales Management
- Risk Assessment & Management
- Customer Relationship Management
- Financial Analysis & Reporting
- Operational Efficiency
- Team Leadership & Development
- Product Development & Marketing
- Regulatory Compliance
Timeline
Mortgage Loans Growth Manager
FNB Namibia
09.2023 - Current
Sales Manager – Home Loans Windhoek/Far North
First National Bank of Namibia
12.2015 - 07.2023
Head Service Support
Standard Bank
02.2015 - 09.2015
Bank Branch Resource Manager
01.2014 - 01.2015
Risk Consultant & Controller
FNB Namibia
04.2007 - 12.2013
Credit Manager's Assistant
FNB Namibia
10.2005 - 04.2007
Foreign Exchange Official
First National Bank of Namibia
07.2004 - 01.2005
Bank Enquiries Clerk
First National Bank of Namibia
04.2002 - 06.2002
Master of Leadership and Change Management -
Namibia University of Science and Technology (NUST)–Harold Pupkewitz Business School
Master of Science - Business Management (Business Analytics)
University of Essex
FristRand Namibia Leadership Development Program -
ITISA South Africa
Bachelor’s Degree - Business Administration
Namibia University of Science and Technology (NUST)
National Diploma - Business Administration
Polytechnic of Namibia
Certificate - Business Management
Polytechnic of Namibia
Certificate - Branch Administrators’ Development Program
University of Stellenbosch
H/IGCSE -
Swakopmund Secondary School
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