Khumbilo Mandula
Blantyre,LI
Summary
Versatile banker with over 5 years' experience in the banking industry, vast knowledge in structured deal transactions, cash and fund management proposal writing, product development and branch banking operations. Exceptional skills in analyzing client's business needs and providing highly effective and efficient solutions in line with organization's offering. My objective is to work in a position that will provide an opportunity for utilization of my professional strength and strong administrative skills, while working towards effectiveness in organizational programs and projects.
Overview
9
9
years of professional experience
Work History
Trade and Cash Management Officer
NBS Bank PLC
Lilongwe
10.2021 - Current
- Coordinating with business stakeholders Corporate and Investment Banking (CIB), Small and Medium Enterprises (SME) and Retail in developing compelling cash and fund management proposals
- (Proposals won so far; WFP, CARE Malawi, Norwegian Church Aid, OXFAM, among others)
- Driving social cash transfer projects in collaboration with Corporate and Digital departments
- Contribute to the development of the bank's trade finance strategy by providing insights and recommendations based on market analysis and client feedback
- Developing new cash business and trade product offering in liaison with Corporate, SME and Retail
- Collaborating with Corporate and SME in developing innovative marketing strategies tailored to the unique needs and objectives of clients
- Conducting regular customer visits with Corporate and SME teams to nurture client relationships
- Cross-selling additional financial products and services, including treasury and investment banking opportunities, to existing trade finance clients
- Conducting research on industry product offerings to stay abreast of market trends and competitor strategies
- Coordinating with business stakeholders (CIB, SME, and Retail) in MOU agreements with customers
- Collaborating closely with Operations department to streamline and enhance cash in transit services in accordance with bank's policy and procedures
- Collaborating with Simbuka and credit department in SME and CIB products development in Simbuka system
- Ensuring proper pricing of trade and cash management solutions, balancing profitability with client needs and market conditions
- Conducting comprehensive product knowledge trainings to CIB and SME teams equipping them with the necessary product expertise
- Collaborating with Trade Finance manager in reviewing and analyzing pricing and structure of Corporate and SME deals.
- Create reports summarizing key performance indicators related to cash management activities.
- Ensure compliance with applicable laws, regulations, policies, and procedures related to cash management activities.
- Collaborate with cross-functional teams to support company initiatives .
- Review client invoices prior to payment authorization.
Transactional Products Officer
NBS Bank PLC
Lilongwe
05.2020 - 09.2021
- Collaborating and following through with Corporate, Retail and SME on new businesses
- Collaborating with branches to promote bank's financial products and services, increasing revenue streams and enhanced customer relationships through cross-selling
- Building partnerships with key institutions to drives sales and account acquisition
- Providing support to branches through product knowledge training and client presentations to address knowledge gaps on bank products and services
- Developing, planning and managing product and new business proposals for new products and services
- Participating in the launching of new products in liaison with Marketing Department
- Monitoring existing product performance and modifying products according to customer needs
- Monitoring revenue collection to ensure that the bank is collecting fees accordingly
- Organizing non-performing product promotions in coordination with marketing team in order to grow the deposit book
- Compiling monthly reports, which includes deposits and account acquisition, and dormant account report
- Conducting User Acceptance Tests on new products and existing products modifications
- Monitoring Direct Sales Agents in the Service centres on new accounts and deposits
- Deciding on what sales strategies and promotions to implement to boost sales in the branches.
Agent Support Officer
NBS Bank PLC
Blantyre
03.2018 - 05.2020
- Successfully sourced, interviewed, and onboarded Bank Pafupi Agents, ensuring alignment with company values and objectives.
- Developed and delivered tailored training modules on POS functionality to enhance agents operational capabilities
- Implementation of Agency banking strategies, in line with the Bank's overall objectives
- Established and maintained a robust monitoring framework to monitor agents activities and promptly replace stationary supplies to support seamless operations.
- Managed Agents refresher training programs designed to improve knowledge and customer service skills
- Provided guidance to Agents on how to effectively assist customers.
- Compiled monthly sales reports, analyzing key performance indicators and presenting actionable insights
- Providing exceptional client service to Agents
- Maintained accurate Agent records relating to their personal information and place of business.
- Analyzed data trends related to client feedback surveys in order to identify areas needing improvement.
- Identified needs of customers promptly and efficiently.
- Overseeing and resolving of Agents and customer complaints
- Assisting in maintaining customer satisfaction and retention
- Collaborative teamwork with other departments.
Management Trainee
NBS Bank PLC
04.2019 - 04.2020
- Immersed in extensive training in almost all departments in the bank, gaining practical experience in various areas such as daily operations of various bank departments, market research methodologies, product positioning techniques, effective communication strategies, customer relationship management and retention, monitoring and management of credit facilities, bank's policies, procedures, and operational processes, fostering innovative thinking, teamwork, critical thinking abilities, formulation and implementation of marketing and sales strategies.
Loans Officer
NBS Bank PLC
05.2017 - 04.2018
- Meeting with applicants to obtain information for loan applications and answer related questions
- Analyzing the applicants Bank Statement, as well as property records in order to determine the amount to be considered
- Explaining to customers the different types of loans options that are available, as well as the terms
- Processing loans in Credit quest and System
- Reviewing active loans in the system on a regular basis to determine if deductions are being made accordingly
- Monitoring loan performance.
Bank Teller
NBS Bank PLC
01.2017 - 05.2017
- Providing account services to customers such as withdrawing cash from their accounts
- Handling customer inquiries regarding bank services and addressing any issues pertaining to their accounts
- Depositing cash into customer's account
- Cashing checks
- Performing Mukuru and Forex Transactions
- Cross selling Bank's Products and Services.
Sales representative
iT Centre/Airtel Malawi
05.2015 - 12.2016
- Attracting potential customers by answering product and service questions
- Selling iT Centre as well as Airtel products
- Daily balancing of cash
- Providing suggestions about other products and services
- Opening airtel money accounts by recording account information
- Configuring internet Settings
- Resolving product or service problems
- Preparing product or service reports by collecting and analyzing customer information
- Contributing to team effort by accomplishing related results as needed
- Promoting and selling iT Centre products (Phones and Memory Cards)
- Promoting and Selling Airtel products (Airtel Money, Data Bundles, Sim Cards)
- Daily Balancing of iT Centre sales
- Compiling and sending daily sales reports
- Resolving customer queries.
Education
Structured Trade and Commodity Finance Masterclass -
BIZENIUS
05.2023
Masters Degrees in Business Administration -
Malawi School of Government (formerly Malawi Institute of Management)
01.2023
Bachelor's Degree in Information and Technology -
Blantyre International University
01.2014
Data Analysis Certificate -
Blantyre International University
01.2013
Malawi School Certificate of Education (MSCE) -
Lilongwe Girls Secondary School
01.2009
Pending a Certificate - Public Management And Governance
YALI
OnlineSkills
- Credit Analysis
- Critical Thinking
- Business Relationship Management
- Interpersonal Communication
- Teamwork and Collaboration
- Reliability
- Analytical Thinking
- Sales Professional
References
- Mr. M. Ng'ambi, NBS Bank Plc, P/Bag 46, Nkhotakota, 0888375954
- Mr. I. Milazi, iT Centre, P.O. Box 31152, Blantyre, 099 344 6582
- Mrs Esnat Nchembe, NBS Bank Plc, Private Bag 32251, Blantyre, 0888678316
Timeline
Trade and Cash Management Officer
NBS Bank PLC
10.2021 - Current
Transactional Products Officer
NBS Bank PLC
05.2020 - 09.2021
Management Trainee
NBS Bank PLC
04.2019 - 04.2020
Agent Support Officer
NBS Bank PLC
03.2018 - 05.2020
Loans Officer
NBS Bank PLC
05.2017 - 04.2018
Bank Teller
NBS Bank PLC
01.2017 - 05.2017
Sales representative
iT Centre/Airtel Malawi
05.2015 - 12.2016
Structured Trade and Commodity Finance Masterclass -
BIZENIUS
Masters Degrees in Business Administration -
Malawi School of Government (formerly Malawi Institute of Management)
Bachelor's Degree in Information and Technology -
Blantyre International University
Data Analysis Certificate -
Blantyre International University
Malawi School Certificate of Education (MSCE) -
Lilongwe Girls Secondary School
Pending a Certificate - Public Management And Governance
YALI
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