Tumbikani Nkosi
Mzuzu
Summary
Results-driven leader with a proven track record of six years of excellence in the savings and credit corporative sector. Successfully managed both Northern and Southern regions, earning recognition as the top team leader in the United civil servants Sacco. Seeking opportunities to broaden the experience in operations, marketing, and customer service.
Overview
6
6
years of professional experience
Work History
Southern Regional Manager
United Civil Servants Sacco
01.2022 - 08.2022
- Improved team performance through consistent coaching, feedback, and motivation for success.
- Achieved 108% of the half-year loan investment totaling 1.9 billion kwachas against a target of 1.8 billion kwachas.
- Achieved 94% of the annual target for the loan portfolio in half the time prompting an upward revision of the targets by the organization
- Reduced the loan delinquency ratio from 1.25% to 0.49% in half the time exceeding the recommended ratio of 0.8%.
Acting Northern Regional Manager
United Civil Servants Sacco
03.2021 - 12.2021
- Boosted regional sales by implementing targeted marketing strategies and fostering strong client relationships.
- Exceeded the annual loan portfolio target by achieving 2.2 billion. The target was 2 billion kwachas.
- Managed to draft the processes and procedures for Tellers within the organization, encompassing Relief loans and Normal loans, account opening and editing, cash management, cash deposits, loan payoff procedures, reporting protocols, as well as filing and updating the registers.
- Led cross-functional teams to achieve project deliverables on time and within budget, resulting in improved overall performance.
- Promoted to Permanent Regional Manager
Branch Manager
United Civil Servants SACCO
06.2020 - 03.2021
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Achieved a significant reduction in loan delinquencies from 8% to 0.2% within three months as Branch Manager, despite the challenges of understaffing.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Promoted to Acting Northern Regional Manager
Branch Operations Officer
United Civil Servants SACCO
01.2019 - 05.2020
- Managed daily operations, ensuring smooth and efficient branch functioning.
- Collaborated with other departments to maximize cross-selling opportunities and improve overall performance metrics.
- Boosted sales and customer loyalty through incentive programs. Managed to recruit 45 new members against the target of 25.
- Promoted to Branch Manager
Acting Branch Manager
United Civil Servants SACCO
01.2017 - 01.2018
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Reduced loan delinquency from 2% to 0.4% against the annual target of 0.8%.
- Elevated the customer service performance of the branch to a 90% rating, as assessed by the customer service department
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
Cashier
United Civil Servants SACCO
09.2016 - 01.2017
- Was responsible for handling financial transactions with SACCO members
- Recruited 27 new members for the organization against the target of 15
- Promoted to Acting Branch Manager within four Months of Joining the SACCO Organization.
Education
Bachelor's Degree in Applied Accounting, Audit, and Information Systems - Accounting, Auditing And Information Systems
Malawi College of Accountancy, Mzuzu Campus
Mzuzu08.2024
Diploma in Accounting (ICAM) - Accounting
The Institute of Chartered Accountants in Malawi (ICAM)
Lilongwe01.2015
Malawi School Certificate of Education (MSCE) -
Phwezi Boys Secondary School
Phwezi2007
Skills
- Operations Management
- Problem-Solving
- Staff Training
- Performance Management
- Marketing Strategy
- Sales Management
- Team Leadership
- Product Knowledge
Accomplishments
- Best Team Leader Award- 2021.
- Going Above and Beyond Call of Duty Award -2020
- Reduced the loan default rate from 8% in June 2020 to an impressive 0.2% by September 2020.
- Promoted to Acting Branch Manager within a short timeframe of joining the organization due to exceptional performance and dedication
Additional Information
- Accelerated Leadership and Management Development Certificate - 08/2022
- African Development Educator (ACCOSCA class of 05/2021)
references
- Ms. Tapiwa Chima, Acting Operations Manager, United Civil Servants SACCO, P.O. Box 294, Mzuzu, 0884521132/0995487532, piwa7925@gmail.com
- Mr. Bentry Tchongwe, Risk and Compliance Manager, United Civil Servants SACCO, P.O. Box 294, Mzuzu, 0884425208, tchongweb@gmail.com
- Mr. Chawala Simon Liwinga, Lecture, Malawi College of Accountancy, P.O. Box 30644, Mzuzu, 0888373188/0997783311, csliwinga@gmail.com
Timeline
Southern Regional Manager
United Civil Servants Sacco
01.2022 - 08.2022
Acting Northern Regional Manager
United Civil Servants Sacco
03.2021 - 12.2021
Branch Manager
United Civil Servants SACCO
06.2020 - 03.2021
Branch Operations Officer
United Civil Servants SACCO
01.2019 - 05.2020
Acting Branch Manager
United Civil Servants SACCO
01.2017 - 01.2018
Cashier
United Civil Servants SACCO
09.2016 - 01.2017
Bachelor's Degree in Applied Accounting, Audit, and Information Systems - Accounting, Auditing And Information Systems
Malawi College of Accountancy, Mzuzu Campus
Diploma in Accounting (ICAM) - Accounting
The Institute of Chartered Accountants in Malawi (ICAM)
Malawi School Certificate of Education (MSCE) -
Phwezi Boys Secondary School
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