Cuthbert Tembedza Email & Phone Number

Purchase, Ny, Us

We are driving the Digital Agenda for Governments across Southern Africa. In a world where distance has become a norm and cash dominates, there is a greater need for digitization now than ever, especially for the public sector where processes remain generally manual and less efficient in most countries. With increased buy in towards digitization from governments, I am driving a smart strategy to fast track the shift towards e-governments in the region. Collaborating with the governments & our expert product and solutioning teams I lead the structuring and core-creation of innovative solutions that are accelerating the digital transformation of our public sector partners. We are leveraging our acquiring, issuing and commerce expertise to deliver sustainable commercial solutions for governments. As a global partner with local presence, we thrive on our experiences across the world and we are committed to improving the lives of citizens and government service delivery through partnerships and where necessary directly with governments. We are driving Revenue Collections, Disbursements, Transit, Postal Services and more through deepening of eCommerce, Issuing, Acceptance and Cyber Security in partnership with regulators, SoEs, Gov Agencies and fintechs! Africa deserves the best and the journey starts now.

Purchase, Ny, Us

I was responsible for driving the BoP sector strategy across Southern Africa. I successfully engaged and partnered with Development Agencies, Governments, NGOs, Private Sector, Telcos and Banks to facilitate access to basic services (Financial Inclusion, Agriculture, Education and Health) for millions of marginalized people in the region. This created unique opportunities for Mastercard to access the billions in cash flows that terminate in these under served communities. Through relentless collaboration with internal and external partner teams we successfully pioneered various solutions for marginalized communities in Southern Africa. With depressingly low banking penetration rates and mobile money limited by network coverage in most rural communities on the continent, it is critical that organizations like MC exploit their tech capabilities to address 80% of the population that that remain excluded if there is going to be any meaningful impact on communities. I also provided thought leadership on strategic & digital initiatives covering Financial Inclusion, Digitizing Education, Agriculture and Health across 14 Markets in Southern Africa. It was an honor to be in a role that changed communities and improved lives of millions of people' in the region.

Munich, Bavaria, De

General Manager, Chief Business Development & Sales Officer for the Mobile Security Business in the SA and SSA markets. Experienced Business Developer with a passion and experience Setting up, Developing, Growing and Managing Businesses in African Markets.My African Portfolio includes Banking, Payments Service Providers, FinTechs and Telecoms clients and Partners across the SSA subregion. Utilising my experience in Banking, Payments, MFS and Telecoms I lead the Business Development and Sales effort in a complex matrix set up in multi geography locations.I have full SSA responsibility for P&L, Budgets, Business Planning, Stakeholder Management, Regulatory Engagements, Partnerships, Business Development and Sales Function. I also lead the Deal & Contracts Structuring & Implementations, Performance Tracking, through religious Dashboard Management and Reporting, Pipeline Development, Management and Execution through out the year. In addition, I have General Management responsibilities across the SSA Business managing all business functions; Finance, Risk, HR, IT and Projects & Customer Support Services.

Austin, Tx, Us

Mozido, Inc. is an American multinational technology company headquartered in Austin, Texas; that designs, develops and provides mobile commerce and payment solutions globally. I was appointed to scout for new MFS New Markets and Partnerships for Mozido in SSA, Build the necessary Business & Financial Models and engage the Regulators in the prospective markets. I drove the Business Planning, Stakeholder Management, Partnerships, Business Development and Sales Function, Regulatory Engagements and General Management of the business in Sub Sahara Africa.

Built the Strategy, launched and grew the EcoCash Mobile Financial Service, Payments and Execution strategy across Econet’s 3 African Operations in Zimbabwe, Burundi and Lesotho. The Mobile Money strategy would see the separation of the Mobile Money business from the Telco Business and the introduction of a banking entity owned by Econet. This was an exciting Financial Inclusion assignment on a continent with a banking penetration rate of under 15% on average.Grew the subscriber base to 4 million, with an activity ratio from of 50%, processing USD$ 400m per month, with a Distribution Network of 6000 agents in 18 months. In 18 months EcoCash became and remains the dominant means of moving money and making payments in Zimbabwe processing US$0.5 billion worth of transactions per month, with 3,9 million subscribers (5 times more than the all bank accounts in the country combined), largest acquiring infrastructure of 5000 POS devices in the market (More than 100% of the POS estate that banks have built in a century. I launched the partnership with International Payments Schemes (MasterCard) where we are issuing a card with international interoperability capability on our wallet to cater for the travelling public and cross border traders. I earned EcoCash a sprinter status by the GSMA, meaning it is one of the top 10 fasted growing mobile money services globally & won several local awards that include the 2013 Zimbabwe Super Brand of the Year, The Most Innovative Mobile Money Service in Africa at the Mobile Money Congress in Lagos, Nigeria among others. Today I continue to speak at several Mobile Money workshops and am invited to sit on a few financial inclusion forums hosted by C- Gap and the World Bank by invitation. I have hosted visitors from the Bill Gates Foundation, World Bank and the Rockefeller Foundation in my first year at EcoCash. Reported to the Econet Services CEO.

Johannesburg, Gauteng, Za

BankservAfrica is South Africa’s ACH and Africa’s largest and oldest payments processing business. It is the sole SARB licensed payments processor with direct integration to the South African RTGS system for settlement purposes. The company Operates several EFT and Card Switching Products and services. SA Banks wholly own BankservAfrica.• I owned the P & L for the Africa Business, Fin X Swift Bureau and Cash Management Services • Developed the African Regional Strategy for BankservAfrica led the implementation of the same.• Researched and developed business cases and plans for each African opportunity I identified in other African Countries for approval by EXCO and then a Board made up of Directors representing all South African Banks.• Worked with a matrix structure that required close collaboration of the South African product Owners before committing to our African Customers.• Objective was to build a distribution model of the BankservAfrica Products that included SASWITCH Card Services and the BankservAfrica EFT Services Among Others.• On one hand the idea was to drive efficiencies in Transactional Banking through consolidating volumes (critical mass) and use of innovative technologies and sensitive information (Trying to monetize the massive payments data that BankservAfrica collects on a month to month basis)• Led the management of Partners, Regulators (Central Banks), Banks, Payment Switches and PSPacross the continent.• Turned around the loss making SWIFT Bureau in a 12 months periodI had dual responsibility for the SWIFT Bureau and Cash Business across Africa as well. Successfully grew a portfolio of 37 client Banks in 16 Countries for the SWIFT Bureau. Successfully implemented the first Clearing Houses (PSOs) in Namibia, Cape Verde and Lesotho.

Washington, Dc, Us

Developed sustainable access to financial services for the poor and financially excluded. Was responsible for the Southern African Banking Programme Strategy covering all the 14 SADC region countries. Key highlights where Business Development, Managing Project Teams from the Client Banks and IFC environment, carrying out market surveys across the whole region, Identifying friendly Banks that met SME Banking program partnership criteria and then design and implement programs and projects that created capacity in these local institutions to be more inclusive.Programs focused on both the asset (lending) and liabilities (deposit mobilization and transactional banking) sides of the banks’ balance sheets. Success was measured by the size of the loan book to new borrowers, achievement of an NPL of less than 3%, size of deposit book from new customers as well as average monthly revenue generated from fee and interest income.My greatest success was the award winning NBS Bank Malawi project I designed and implemented which resulted in the creation of a completely new SME Business Unit that focused on loans to SMEs and Micro businesses owned by women on the back of a USD10 million loan to NBS Bank from the IFC. I won the IFC CEO Award for this project.Projects managed and implemented included NBS bank Malawi Women Banking project, FMB Bank Malawi, BCI Bank Mozambique, ABC Bank: Tanzania, Botswana, Mozambique and Zambia. Zanaco of Zambia, Bank Windhoek of Namibia and EcoBank in West Africa.

Johannesburg , Gauteng, Za

• Operationalise Corporate banking strategy for Financial Institutions Group Portfolios• Own the Credit responsibility by acting as the link between Credit and Client.• Maintain and Monitor client performance through regular annual review of client facilities and relationships.• Develop a network with product houses and clients with the ultimate objective of maximizing overall client profitability (Treasury, FX, Guarantees, Bonds, Capital Markets, Transactional products, Lending).• Develop tactics for achieving the set objectives in the unit both by client and for the portfolio• Implementation of the CIB Client relationship management model across all CIB divisions• Perform marketing and sales tasks in line with divisional objectives• Delivering financial engineering solutions to clients as required (from standard to complex structures by bringing relevant specialist from product houses together)• Evaluation and development of risk/return management on deals, processes and transactions• Developing and managing relationships with clients, internal specialist divisions as well as other external networks with the view to achieving the highest levels of service delivery• Develop portfolio strategy in line with set objectives and budgets

Johannesburg, Gauteng, Za

Project Manage and successfully deliver process related projects within the financials services industry that included Banks and Government Departments. Providing leadership and user interface between specialized technical project teams and business teams.

Us

BancABC is a Southern African regional Banking Group with operations in 5 African countries. I Researched, Business Planned & Obtained Central Banks licensing in all the markets we targeted. The second phase was execution of all successfully licensed projects and providing operational and execution support and project management to Executive Management during the implementation of the Bank’s Expansion Strategy into Africa. • Launched in 4 new African Markets of Zambia Botswana, Tanzania and Mozambique. • Led the project to roll out the Flexi cube Core Banking System across all operations • Researched selected markets & built the initial pipeline for each new operation• Assisted establish the regulatory relationships for all new territories • Support the Bank COO in the Management and Supervision of the new operations.

Certificate In National Payment Systems, Payments

Certificate In Project Management, Project Management

Mba, Finance & Marketing

Bachelor Of Business Studies (Hons), Finance, General