Work Timeline
June 2020 to date
Zone Manager, Eastern & Coastal
CRDB Bank Plc
December 2015 to June 2020
Zone Manager, Southern Highlands & Dar-Es-Salaam
NMB Bank Plc
September 2012 to November 2015
Area Manager, Tanzania Mainland
People's Bank of Zanzibar
January 2010 to August 2012
Retail Area Manager, Dar-Es-Salaam
Barclays Bank Tanzania Ltd
April 2009 to December 2009
Branch Manager, Dar-Es-Salaam
Standard Chartered Bank
April 2007 to April 2009
Branch Manager, Dar-Es-Salaam
Barclays Bank Tanzania Ltd
October 2005 to April 2007
Retail Manager, Zanzibar
Barclays Bank Tanzania Ltd
October 2004 to September 2005
Branch Manager, Dar-Es-Salaam
International Commercial Bank Ltd
August 1999 to March 2001
WADU Project Supervisor, Dar-Es-Salaam
TPB Bank Plc
Retail Successes
60+
Branch Management capacity
1000+
Staff Management capacity
750K+
Customers Base
80%
Customer retention
75+
Branch Managers groomed
45+
New Branch set up
120%
Loan portfolio growth (PBZ)
49%
Profit contribution (Q1, 2023)
90%
Resolution rate
92%
Mystery shopping results (90% benchmark, 2026)
103%
Deposit growth achieved (Q2, 2026)
19%
Efficiency ratio (Q2, 2026)
2.4%
Non-Performing Loans (Q2, 2026)
51%
Loan to deposit ratio (Q2, 2026)
100%
Satisfactory Audit for 2026
Milestones
CRDB Bank Plc
Zone Manager, Eastern & Coastal
- Strategic alignment
- Customer service delivery 92%
- Customer Resolution Rate 90%
- Retail deposit growth achieved (103%)
- Loan to deposit ratio averages 51%
- Improved Portfolio at Risk by 1% YoY
- Improved Non-Performing Loans by 1% YoY
- Branch compliance audit 100% (9/9 satisfactory)
- CRDB Super Cup Champions 2022, 2024
- Introduced Zone initiatives: Coastal Zone theme & priorities, Attack & Retain sales campaign, Roadmap 2020–2026, daily debriefing, customer breakfast engagement, Make a Different Day (MAD)
NMB Bank Plc
Zone Manager, Southern Highlands & Dar-Es-Salaam
- Deposit growth rate 99%
- Customer base growth 20%
- Team engagement and retention
- Managed 2 zones in less than 2 years
- Introduced the NMB Morning Prayer across all branches
People's Bank of Zanzibar
Area Manager, Tanzania Mainland
- Deposit growth 122%
- Branch Managers grooming
- Loan portfolio growth 120%
Standard Chartered Bank
Branch Manager, Dar-Es-Salaam
- Branch set up
- Overall leader in forex income
- Overall leader in cash collection
- Head of Branch Managers
Barclays Bank Tanzania Ltd
Branch Manager, Dar-Es-Salaam
- Branch set up
- Branch Managers grooming
- 3 months over 18-month break-even time
- Developed performance report
- Successfully managed 2 branches consecutively
International Commercial Bank Ltd
Branch Manager, Dar-Es-Salaam
- Branch set up
- Enrolment of new operating system
- Attained the shortest break-even period
TPB Bank Plc
WADU Project Supervisor, Dar-Es-Salaam
- Revival and implementation of the WADU project
- Customer relations management
- Team performance management
Professional Experience
June 2020 to date
Zone Manager, Eastern & Coastal
CRDB Bank Plc
Provide leadership to the Zonal team and drive business growth through an increase in the customer base and profitability, in alignment with CRDB's Strategic Plan. Provide advisory services to the Director of Retail, Heads of Departments and Senior Management on all matters concerning Branch Operations.
Key Accountabilities- Business growth: increase revenue and profitability through deposits, loans, and income as per set targets.
- Cost management: zonal budget planning, utilization, and cost controls.
- Customer relations management: monitor the market and respond to customer needs and satisfaction.
- Compliance management: ensure regulatory compliance and satisfactory audit reviews.
- Risk management: identify and mitigate operational and environmental risks.
- Human capital management: lead zonal teams and allocate resources per strategic plans.
- Performance management: align team and branch operations with results-oriented management.
December 2015 to June 2020
Zone Manager, Southern Highlands & Dar-Es-Salaam
NMB Bank Plc
Responsible for business growth through the management of 31 branches in Southern Highlands and extended strategic initiatives in the Dar-Es-Salaam zone.
Key Accountabilities- Sales management: spearhead sales strategies to increase zone and bank revenue.
- Customer relations management: lead the branch team in delivering stellar customer service.
- Risk mitigation and management: assess and reduce potential threats and impacts.
- Compliance management: monitor and maintain statutory obligations.
- Performance management: align team and branch operations to achieve set goals.
September 2012 to November 2015
Area Manager, Tanzania Mainland
People's Bank of Zanzibar
Expand the Bank's business in Tanzania Mainland through establishing, managing, and leading strategic initiatives in Mtwara, Dodoma, and Dar-Es-Salaam.
Key Accountabilities- Project management: deliver short and long term goals and objectives.
- Resource mobilization and management: strategic planning and sourcing of financial, human, and technological resources.
- Team management: align staff with organizational objectives and targets.
- Operations management: oversee day-to-day and strategic branch operations.
- Performance management: results-oriented alignment of team and branch operations.
January 2010 to August 2012
Retail Area Manager, Dar-Es-Salaam
Barclays Bank Tanzania Ltd
Manage fifteen (15) out of thirty-two (32) branches, ensuring optimal resource utilization and strategic execution to achieve customer experience and profit maximization.
Key Accountabilities- Resources management: optimal utilization of financial, human, and technological resources.
- Project management: implement short and long term strategies across branches.
- Monitoring and evaluation: track and analyze intervention outcomes.
- Team & operations management: align staff and oversee day-to-day operations.
- Customer relations management: lead branches to deliver stellar customer service.
April 2009 to December 2009
Branch Manager, Dar-Es-Salaam
Standard Chartered Bank
Oversee branch management, operations, and overall performance including strategic planning and resource management.
Key Accountabilities- Team & operations management
- Marketing and sales planning
- Assets and liability management
- Performance and customer relations management
April 2007 to April 2009
Branch Manager, Dar-Es-Salaam
Barclays Bank Tanzania Ltd
Oversee branch management, operations, and overall performance including strategic planning and resource management.
Key Accountabilities- Team & operations management
- Marketing and sales planning
- Assets and liability management
- Performance management
October 2005 to April 2007
Retail Manager, Zanzibar
Barclays Bank Tanzania Ltd
Handling the branch's operations and ensuring profitability through key accounts management and customer satisfaction.
Key Accountabilities- Assets and liability management
- Operations management
- Accounts management
- Performance management
October 2004 to September 2005
Branch Manager, Dar-Es-Salaam
International Commercial Bank Ltd
Responsible for the entire management of the branch's operations with a key focus on revenue generation.
Key Accountabilities- Operations management
- Performance management
- Customer relations management
- Marketing and sales
- Stakeholder engagement and management
August 1999 to March 2001
WADU Project Supervisor, Dar-Es-Salaam
TPB Bank Plc
Handling a special project involving account opening and customer management, as well as project team supervision.
Key Accountabilities- Operations management: accounts opening, deposits, reconciliations.
- Performance management: project implementation and team supervision.
- Stakeholder engagement and management: customer handling and status reporting.
Photos
With the President of Zanzibar presenting our Card Business Preposition
When I was at NMB Bank
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