Christopher Ganizani Banda Email & Phone Number

Zambia

Lusaka, Zambia

Lusaka, Zambia

Primarily responsible for;(i) Working closely with the CEO, the Board of Directors, the Executive team and senior managers across the business and representatives of the shareholders in achieving portfolio quality whilst supporting portfolio growth.(ii) Setting Strategic Credit Risk Management vision and deliver that strategy to the organisation.(iii) Supporting career development of the Credit Risk Management team; functioning as a mentor to direct reports and others.(iv) Measuring and managing the aggregate risk in the Credit Portfolio (Loans and Advances, L&A) within the set Risk Appetite (and within Mandate and Scales).(v) Oversight of credit-taking activities, collections and recoveries policies, procedures, and processes ensuring appropriate mitigation of the risks inherent in the Credit Portfolio for overall asset quality.(vi) Coordinating management and work-out of problem credits and working closely with Legal team and external agencies (Legal firms, Debt Recoveries, Bailiffs and Auctioneers) through the collections process, recommending appropriate strategies to Management and Board.(vii) Attainment of lending objectives and the overall direction and operations of the Credit Department.(viii) Management of the end-to-end (E-2-E) Credit turn-around time (TAT).

Lusaka, Zambia

Primarily accountable for the integrated risk management operations for all risk types which include Credit Risk, Operational Risk, Market Risk, Fraud Risk and Regulatory Compliance Risk.Responsibilities include;-> Developing, implementing, maintaining and updating the Enterprise-wide Integrated Risk Management Framework used for the identification, assessment, quantification, mitigation and monitoring of all risk types.-> Developing, managing and refining qualitative and quantitative risk reporting which meets the needs of Regulators, the Board and the general management.-> Working closely with the CEO, the Board of Directors, the Executive team and senior managers across the business and representatives of the shareholders in achieving portfolio growth targets in a well-controlled environment.-> Formulating and articulating a coherent risk appetite and infrastructure, including operating financial models.-> Embedding a positive culture of confident and informed risk-taking through training, communication and promotion of the agreed risk framework.

Elunda Park, Addis Ababa Road, Lusaka, Zambia

• In line with the Board’s set Risk Appetite, establish Mandates and Scales and the early warning trigger system.• Prepare and consolidate for Board (as well as Sub-Board Committes) and BOZ packs and Presentations for all risk types (Retail and Wholesake Credit, Market, Operational and Fraud Risks) in line with the ERMF.• Measure and monitor all Key Risk Indicators and Financial Performance metrices against set Triggers/benchmarks (Mandate & Scale, Lending Caps, Sector/Segment/Geography concentration risk) and monitor all actions for breaches.• Short to medium term budgeting and forecasting (RAF, MTP and STP)• Conduct bank-wide Portfolio Stress Testing (Balance Sheet and Profit and Loss, RWAs and Capital).• Responsible for all regulatory reporting and act as Regulators contact point for Risk.• Write, revise and update Credit Policies, processes and procedure manuals and documents in compliance with Local and Group legislation and regulation. • Conduct departmental training on Credit Policy changes or any new policies.• Risk systems and data management (data integrity, accuracy and consistency) to ensure 100% accuracy of reporting.• Team’s performance and efficiency monitoring and reporting at departmental and individual level.

Absa Towers, 15 Troye Street, Johannesburg, South Africa

-> Transition of Stress Testing Models for Barclays African markets' portfolios from Emerging Market (Dubai) Regional Office.-> Transition of Profitability Models to new Barclays Africa Regional Office.-> Transition of risk mitigating and Collections strategies to BARO.-> Transition of Regulatory and Compliance Reporting to BARO.-> Prepare presentations for Regional and Group Risk Directors.-> Drive new reporting standards across African Markets as per Group standards.

Emmar Square, Dubai, United Arab Emirate

-> perform forward and reverse stress testing models on all African markets' portfolios in different global macro-economic conditions. -> Develop/enhance and manage risk-reward/profitability models and ensure profitability of all African portfolios (BA) -> Credit scorecard model development, testing and live implementation. -> Drive risk mitigating strategies. -> Regulatory and compliance reporting -> Set collections and recovery targets for BA -> Prepare presentations for Regional and Group Risk Directors.

Kafue House, Cairo Road, Lusaka, Zambia

 Run, maintain and revise/review Risk Impairment, Product Profitability, and Credit Scoring models. Budget/forecast/project/simulate new product profitability for launch; Retail income and expenses for new strategies. Setting Risk benchmarks for Retail portfolio and generating regular MIs to monitor actual performance,and drive Retail credit policies. Train and set targets for various departments/units and measure daily performance against the targets. Mine data, run logical queries to catch data errors on the Retail portfolio for corrections. Perform segment/sector/criteria analyses on the portfolio to identify profitable and non-profitable customer profiles for further exposure and suspension respectively. Prepare (and present) presentations for (to) senior management (MD, COO, FD, RD, Group). Prepare regulatory (Local-BOZ and FSA) reports.

Kafue House, Cairo Road, Lusaka, Zambia

 Setting up of clients and branches/users on the E-Banking platform (Internet and Telephone Banking, Payment Switch, Bulk Processing).  Creating and management of users and performing routine connectivity and systems health-checks. Conduct presentations and training (also to Chinese clients in the Mining Industry) to clients and clients-to-be on E-Banking products. Database back-ups and systems admin of Business Continuity Management off-sites. Daily reconciliation of clients and E-Banking suspense accounts.

Kafue House, Cairo Road, Lusaka, Zzambia

-> Manage operations processes for: salaries, DDACC, cheques clearing (unpaid and otherwise, manualand electronic) POS/VISA deposits, large corporate cash management transactions), account openingand amendment.-> Daily reconciliation of suspense accounts(sundry, cheque clearance, inter-branch transactions, foreignpayments accounts, NOSTRO, VOSTRO, ATM’s shorts and Overs etc).-> Ensuring that all transactions and data vouchers/sheets from all branches and departments haveappropriate authorization prior to processing (fraud detection).

Mutaba House, Lusaka Business Centre

-> Perform routine drills for Branch opening and closing-> Financial and Non-Financial Data capture-> Processing of unpaid cheques-> Actioning of customer instruction from personal bankers.-> Inter-branch and interbank clearing of cheques.-> Reconciliation of all Branch suspense accounts.

Beng, Computer Engineering

Activities and Societies: President for Association of Zambian Students in China

Diploma, Chinese Language

A Levels, Natural Science

Activities and Societies: UNZASU Block Representative

School Certificate, Gce, Junior & Senior Secondary

Activities and Societies: JETS President

Primary School Certificate, Primary Education