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CURRICULUM VITAE

PERSONAL DETAILS:

Name: Mbaza Octave

Date of Birth: 10th January 1984

Marital Status: Married

Address: *** ********* **** **, *********, IN, 46167 Contacts: 317-***-****

Email:ad31ks@r.postjobfree.com

BRIEF PERSONAL PROFILE

A Business oriented person with ability to create and maintain strong professional relationships. EDUCATION

2004 – 2008 Université Libre de Kigali (ULK)

Bachelor of Economics

1996-2003: G.S. KABARE (Bio-Chimie)

1990 – 1996: Ecole Primaire TUTAZAMIYE (Likasi-RDC) PROFICIENCIES

• Computer literate: Ms Word, Ms Excel, PowerPoint, Eviews,Outlook

• Languages: Fluent in written and spoken English,French, Swahili and Kinyarwanda WORK EXPERIENCE:

DECEMBER 2017 To DATE :

Recovery Manager Letshego Rwanda Plc

Duties and responsibilities :

2 P a g e

• To lead sustainable recovery efforts of all delinquent and a health Credit Portfolio of Letshego Rwanda PLC.

• To manage recovery actions on debts in accordance with the Credit Policy.

• To supervise and monitor the Performance of Recovery Officers and External Debt Collectors on achievement of targets on the Recovery Portfolio.

• To manage all auctions and make sure, all auction proceeds and costs are properly recorded.

• Engage with defaulting customers and reach a realistic and affordable repayment plans

• To share feedbacks from field (branches, Recovery Officers, Ex. Debt Collectors, customers) that can be used to improve recovery of delinquent loans.

• To develop and ensure implementation and compliance with loan policies, methodologies, manuals, procedures and good loan recovery policies

• To ensure Early Warning Signs of loan delinquency are properly and promptly managed at Branch level and that Branch Managers and Relationship Officers manage their portfolios

• To ensure Warning Letters and Permit to sale on Delinquent Loans are timely issued/applied

• To advise the Chief Risk Officer, Head of Financial Inclusion, Credit Manager and Branch Managers on Issues affecting recovery activities/process.

• To set Targets and manage the performance of the team

• To carry out KPA/KDs rating of all Recovery Officers and external Debt Collectors by June and December of each year.

• To supervise coaching and building of Recovery Staffs and Debt Collectors

• To organize training of Recovery Officers on recovery activities with the support of Chief Risk Officer.

• To Supervise Recovery Unit and manage relations with debt collectors and auctioneers in order to ensure the best legal coverage possible for all loans and best management

/recovery possible of defaulting loans.

• To contribute to the elaboration of the budget in terms of recovery activities and ensure that the performance of the bank in recovery of delinquent loans is in line with the budget in terms of recoveries, cost of recoveries against actual collections.

• To minimize recovery costs against the volume of recoveries. 3 P a g e

April 2014 – Dec 2017:

Branch Manager Letshego Rwanda Plc

Duties and responsibilities;

• Undertake area market analysis

• Develop a marketing and Savings Mobilization plan for the branch

• Implement the market and Savings Mobilization plan to bring on board new clients

• Develop strategies for growing customer numbers in the branch

• Develop and Implement the branch marketing plan to grow the number of savers and savings by broadening and deepening outreach.

• Optimize business through aggressive sales efforts resulting in quality growth of client relationships and accounts.

• Ensure monthly, quarterly and annual sales budget goals are met

• Cross-sell both credit and savings products to all customers to expand relationships and to develop new business.

• Grant loans to the right customers

• Recommend the review products from time to time to meet customer expectation

• Ensure comprehensive business assessment

• Ensure adequate appraisal of loans

• Ensure client home visit is done as per policy

• Ensure collateral visit is done as per policy

• Ensure comprehensive loan securitization for all borrowers

• Recommend loans for approval during the branch credit committee meeting

• Ensure turnaround time in loan processing is maintained

• Ensuring compliance to loan policies and procedures

• Ensure excellent customer delight in service provision

• Listen to customers and resolve complaints timeously

• Maintain portfolio quality at the recommended company level of PAR 30 days < 5%.

• Liase with Credit Admnistration department for collection on accounts above 60 days.

• Issue warning letters to defaulting borrowers whose accounts are over 30 days. 4 P a g e

• Monitor and evaluate all the active accounts to prevent bad debt losses.

• Reprimand, sanction and make call up calls to Loan Officers whose PAR is above the acceptable level.

• Adopt stringent strategic initiatives to promote portfolio quality growth.

• Ensure all staff are trained on the lending policy and procedures and that they apply the same knowledge in portfolio growth.

• Ensure proper loan appraisal procedures are in place across all branches.

• Track and analyse portfolio quality through the collection and verification of data.

• Ensure delinquency escalation process is in place

• Recommend loans for restructuring and write off as per policy guideline

• Ensure all staff have job descriptions and understand their roles

• Ensure all staff have their business targets

• Monitor and review staff performance to ensure the branch is on course in meeting its budget expectations.

• Undertake timely appraisals for branch staff

• Make recommendations on the way forward for staff after appraisal such as; confirm, extend probation, terminate, training interventions required

• Provide the support required by staff to achieve their targets.

• Ensure the branch is opened and closed as per the operating policy

• Ensure all staff report to work as per policy and any deviation is reported

• Ensure branch tidiness is upheld always

• Ensure prudent management of petty cash

• Ensure daily reconciliation of tellers functions at the end of the day

• Ensure branch assets are safe and well kept

• Ensure all documents are in safe custody

• Ensure cash control is done daily

• To mentor and coach branch staff to achieve organizational goals

• To provide refresher training to branch staff to enhance job related skills

• Annual budgeting for the branch

• Manage operational costs within the set budget limits

• Reduce costs where possible

• Achieve budget expectations

• Provide harmonious work relationships with internal stakeholders.

• Participate and contribute fully as a member of the middle management team for the common good of the company.

• Represent the organization in the community or area of operation June 2011-March 2014 :

Loan Officer (2011-2013) and Senior Loan Officer ( 2013-2014) Letshego Rwanda Plc 5 P a g e

Duties and responsibilities ;

• Undertake daily customer business visits for loan appraisal

• Ensure a turnaround time of 24 hours for loan disbursement to customers upon collateral registration.

• Review portfolio on daily basis to ensure its quality and growth

• Ensure turnaround time of 48 hours for customer file preparation and presentation to the branch credit committee.

• Make calls to customers two days before the loan payment due date.

• Ensure all customer complaints are resolved within 12 hours

• Participate in the implementation of the branch marketing plan

• Present quality loans for approval during the branch credit committee

• Maintain portfolio quality at the recommended company level of PAR less than 5%.

• Ensure delinquency escalation process is implemented in the branch to reduce credit risk

(Issue warning letters to defaulting borrowers whose accounts are over 30 days and liaise with CACM for collection on accounts over 90 days).

• Participate in at least two of the recommended staff trainings in the company. Participate in the weekly branch meeting to review performance

• Organize a customer forum once per year.

REFEREES

1. Franck Ngarambe

Director of Residential /Life spring care services ad31ks@r.postjobfree.com

317-***-****

2. Laurent Bujambi

CEO of Lifespring care Services

ad31ks@r.postjobfree.com

207-***-****

I declare that all information provided is, to the best of my knowledge and belief, correct and complete

Mbaza Octave

6 P a g e

February 29th,2024

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