Acting Regional Manager – Central Region at VisionFund Malawi (2024-08 – 2025-06)
- Provided strategic oversight for customer service excellence and sales performance across the Central Region, resulting in improved client acquisition and retention.
- Managed end-to-end regional operations, including financial planning, budgeting, resource allocation, and performance monitoring to meet organizational targets.
- Led the approval of high-value loans exceeding branch limits and actively facilitated Central Credit Committee meetings, ensuring prudent credit decisions and strong portfolio quality.
- Chaired loan review sessions for facilities above regional thresholds, contributing to effective risk mitigation and compliance with internal policies.
- Strengthened stakeholder and community relationships, enhancing the institution's reputation and supporting broader financial inclusion initiatives in Malawi.
- Led growth of the regional portfolio from 6.2 billion to 7.3 billion as Acting Regional Manager across 8 branches, while successfully keeping Portfolio at Risk (PAR) under 1% and number of clients moved from 12,000 to 15,000.
Deposit-Taking Senior Branch Manager at VisionFund Malawi (2021-01 – 2025-01)
- Directed comprehensive branch operations, including customer service, sales leadership, staff supervision (team of 70+), and daily financial management, consistently achieving or surpassing key performance indicators (KPIs) in portfolio growth and profitability.
- Implemented and enforced robust operational policies, procedures, and internal controls, significantly reducing compliance gaps and operational risks.
- Spearheaded loan origination, approval processes, debt recovery strategies, and portfolio monitoring, improving asset quality and recovery rates.
- Coordinated budgeting, financial reporting, performance appraisals, and staff development programs that boosted team efficiency, motivation, and adherence to standards.
- Cultivated strong customer loyalty and community partnerships, representing the branch in local forums and contributing to the organization's mission of financial inclusion.
- Increased the branch portfolio by more than 300%, from 719 million to 3.8 billion within 3 years, while successfully reducing PAR from 6.7% to 2% across 7000 clients.
Deposit-Taking Branch Manager at VisionFund Malawi (2019-01 – 2021-01)
- Managed full spectrum of branch activities, including operations, human resources leadership, customer relationship management, loan processing, and business development.
- Ensured strict adherence to banking regulations, internal controls, and governance standards.
- Drove business growth initiatives, streamlined loan processing workflows, and enhanced debt recovery efforts, leading to improved branch performance metrics.
- Coordinated staff performance evaluations, operational reporting, and continuous improvement projects.
- First Branch Manager to launch the Deposit Taking Branch in Mchinji and led the launch of the second Deposit Taking Branch in Lilongwe, starting from zero accounts to 1500 in Mchinji with a deposit book of 100 million and in Lilongwe from zero to 1700 accounts with a deposit book of 200 million.
- Managed to grow the portfolio from only 328 million to 620 million with over 3000 clients in Kasungu and reduced the Portfolio at risk which was hovering at 23% to only 2% in just 8 months.
Non-Deposit Taking Branch Supervisor at VisionFund Malawi (2018-01 – 2019-01)
- Supervised daily branch operations and staff performance to achieve financial and service delivery goals.
- Strengthened policy compliance, reporting accuracy, and client service quality.
- Moved the portfolio for Mchinji Branch from only 78 million to 367 million while keeping the portfolio at risk within 0.5 percent threshold and increased number of clients to 700.
Risk & Compliance Officer at VisionFund Malawi (2017-01 – 2018-01)
- Developed and maintained asset protection mechanisms through documentation, insurance coverage, and internal control systems.
- Conducted comprehensive risk identification, evaluation, and mitigation across the organization.
- Ensured full compliance with directives from the Registrar of Financial Institutions, financial reporting standards, Malawi statutes, AML/KYC requirements, and tax obligations.
- Prepared risk reports for management, provided advisory support on control improvements, and monitored customer service standards.
- Ensured strict adherence to policies and procedures by all regional staff across the full loan lifecycle — from underwriting through to recovery — resulting in a drastic reduction in fraud cases linked to non-compliance.
Accounts Assistant / Warehouse Supervisor at Rab Group of Companies (2014-10 – 2017-05)
- Prepared accurate weekly and monthly bank reconciliations, tax ledgers/returns (PAYE, VAT, withholding), financial reports, and payroll processing.
- Managed full inventory cycle, including stocktaking, reconciliations, goods receipt, and petty cash, minimizing discrepancies and stock losses.
- Reconciled accounts payables/receivables and fuel consumption records.
- Enforced health & safety regulations, company policies, and legal standards; conducted regular audits.
Sales Clerk / Warehouse Manager at SFFRFM (Smallholder Farmers Fertilizer Revolving Fund of Malawi) (2013-01 – 2014-01)
- Oversaw warehouse operations, including stock receipt, storage, issuance, loading/offloading, and periodic stocktaking.
- Prepared timely daily, weekly, and monthly sales reports; advised management on obsolete or slow-moving inventory.
- Served as petty cash custodian and prepared waybills for efficient logistics.
Cashier at A.H Investments (2009-01 – 2012-01)
- Managed daily cash transactions, fuel sales, stock verification, and payroll preparation with precision and security.
- Handled cash deposits, verified balances, and maintained secure fund handling procedures.
