Achievements:1. Enhancing Inter banking Interoperability through Sponsored banks arrangements. 3 banks Integrated successfully and their customers are now able to deposit and withdraw via CRDB agents and ATMs via Card and Card less (OTP)2. Unlock of Electronic Ticketing opportunities; through successfully Integration with Tiketi Mtandao now customers can be able to book and pay for their bus tickets via CRDB channels i.e. CRDB agents & Simbanking. CRDB is first bank to accomplish this (more than 7,000 buses expects to be in this plan and daily average of 350K customers are expected to be accommodated by this solution. In addition same has been extended to airlines and ferry boats3. Formulation and Implementation of Direct Acquisition scheme for customers on boarding.Role:1. Writing the strategic roadmap in conjunction with the Head of Agency Banking 2. Develop strategies to maximize growth, revenue and budgets to support the strategic plans3. Deliver new Product/Processes for improved product performance.4. Analysis of customers (Both Agents and Users) behavior pattern.5. CRDB Wakala Products and customer Lifecycle Management.6. Develop and manage the Business Development strategy to ensure growth and development of existing and any new partnerships.7. Manage compliance function from Product launch, implementation and during usage.8. Monitoring of Transactions and profitability to identify areas with revenue leaks and identify opportunity to increase business performance.9. Identify resources and assign responsibilities.10. Manage day-to-day operational aspects of the strategic and overall Agency Banking project(s) allocated to the person, ensuring project documents are complete, current, and appropriately stored.11. Understands basic revenue models and P/L; meets financial objectives by forecasting requirements; preparing an annual budget; scheduling expenditures; analyzing variances and initiating corrective actions.

Achievements:1. Grows the Territory Biometric registration penetration from 23% to 79% in the period of 3 months.2. Double the number of average daily acquired customers i.e. from 732 to 1,554NB:Territory was comprised of 4 regions i.e. Mtwara, Lindi, Pwani & Masasi; Team of 4 Direct Repotees, Regional Sales ManagersRole:1. Traveling throughout territory to train and guide company Sales Representatives.2. Maintaining solid working relationships with customers by ensuring that their needs are met and resolving complaints in a timely manner.3. Continually meeting or exceeding sales targets by persuading customers within territory to purchase company products and services.4. Analyzing sales and marketing data to determine the most effective sales and marketing techniques.5. Developing innovative sales strategies to increase sales within territory.6. Conducted surveys to better understand customer needs.7. Attended trade shows to promote company products and services.8. Ensured that brand awareness within territory meets company expectations.9. Motivating Sales Representatives to achieve sales quotas and evaluating their performance based on their ability or inability to achieve sales quotas.10. Monitor and react to competitors’ sales activity within the territory.

Achievements:Mtwara and Lindi Korosho Project; I championed the 2017 Mtwara and Lindi MFS Cashew nuts Payment to farmers. Through mobilization, a well-established payment process and basics streamlining, we enable to disburse 1.73 Billion to 3,124 farmers which in turn double the transactions and revenue of the regions in period of just 3 months. I was recognized for thisRole:1. Formulate MFS subscriber acquisition strategy/initiative for the Zone2. Interface between field team and MFS Hub team3. Support the Zone Director on tracking and managing MFS KPI’s for the Zone4. Work with MFS Hub Team in developing monthly KPI’s to the dealers based on market dynamics5. Work closely with Territory Managers on execution of MFS strategy in the Zone6. Manages Tigo relationship with the Dealers as it relates to MFS7. Work with Territory Managers to implement sales processes at Dealers branch level as it relates to management and distribution of e money to agents8. Work closely with B2B for pushing MFS products (Bulk disbursement, collection accounts)9. Work closely with Distribution team, Territory managers on formulating and executing different initiatives to increase Self Top Up penetration in the Zone10. Ensure we have a good agents’ footprint across the zone

Achievements:1. Enhanced 105% MFS Revenue growth; from 8 billion to 16.4 billion in a period of 2 years. Through leadership, expertise and different initiatives, the active agent base grew by 134%, from 21.4K to 50K and grew active base of subs by 72%, from 2.6 mil to 4.5 mil.2. Grew EPOD reloads contribution out of total reload from 0% to 10%; 200 mini conventions was done which in turn converted 29.5K wakala to start selling and ultimately grew Epod sales from 160 Mill to 4.5 Billion from Jan to Dec 2017. 3. MFS Ecosystem Enhancement; Of all Zones, managed to onboard 42 active Bulk disbursement and Bill Payment companies whereby by end of 2016 the companies transacted monthly average of 3.1 Billion. The success was contributed by special proposal that linked B2B and MFS team on developing sales leads.4. Pioneer of Tigopesa Fanikisha Project; I championed Tigo Pesa Fanikisha project in Coast Zone which grew MFS conversion rate from 14% to 57% and ultimately Tigo Pesa penetration from 52% in Jan 2017 to 65% in March 2018Zonal comprised of 8 Regions; Dar es Salaam, Tanga, Morogoro, Pwani, Unguja, Pemba, Mtwara & Lindi. Out of 4 Zones; Coastal contributed 85% of total MFS RevenueTeam of 5 Direct Repotees; MFS Regional Key Account CoordinatorsRole:1. Responsible for implementation and execution of all mobile financial services in the zone 2. Propose new features and enhancements for review and recommendation to the Hub 3. Understanding of risk related issues in connection with new products launches4. Growing the MFS ecosystem in the Zone by identifying, engaging and onboarding potential Bill Pay companies and “Bulk disbursement” companies5. Participate in the drafting of features and enhancements of MFS.6. Project management and product steering committee coordinator in the Zone7. Innovate, structure and execute new partnerships that will drive commercial value (market coverage expansion, increased revenue, brand association, etc)

Achievements:1. Development of Different Dashboards to monitor performance of MFS business2. Develop standard KPI template for the businessRole:1. Coordinate payments of Commissions.2. Deliver POS Materials to the Agents3. Ensure controls of payments are aligned to the established procedures.4. Ensure that technical solutions complies with quality requirements5. Define and collect KPIs to inform the project’s progress and whether the deliverables are acceptable6. Ensure that relevant information is received, delivered and transferred on time7. Interprets the feedback from relevant functional areas and converts them into action plan8. Contributes to the development and implementation of the MFS action plan9. Actively participate in team meetings10. Makes optimal use of external service suppliers and authorities in own area of responsibility.11. Indirectly managed team of all Regional Key Account Coordinators through Targets setting and Managing the performance through provision of guidance necessary for the business12. Channel Management through setting of Dealers MOM Targets and Managing their performance13. Acted MFS Trade Development Manager for 2 years

Achievements:1. Develop and Implement Tigorusha (EPIN) Sales Processes; from its creation to distribution and salesRole:1. Managing and Controlling the Stock for the Region2. Doing Reconciliation on the Stock3. Preparing Purchase Orders4. Ensure a Chain Supply of Product in the Region5. Ensure Sales Target on all products met in the Region6. Preparing daily and monthly reports7. Doing reconciliations with Main dealers’ accounts8. Work as a Company’s Banks Representative