Banking;

Management

• Maintain a department organizational structure sufficient to meet all goals and objectives
• Properly motivate the credit and collections staff
• Measure department performance with appropriate metrics
• Provide for ongoing training of the credit staff
• Manage relations with collection agencies
• Manage relations with credit reporting agencies
• Manage relations with credit insurance providers
• Manage relations with the sales department

Credit Operations

• Maintain the corporate credit policy
• Recommend changes in the credit policy to senior management
• Create a credit scoring model
• Manage customer credit files
• Monitor the credit granting and updating process
• Accept or reject the staff's credit recommendations
• Personally, investigate the largest customer credit applications
• Personally, visit the largest customers to establish relations
• Monitor periodic credit reviews
• Monitor deductions being taken by customers
• Manage the application of late fees
• Manage the corporate financing program

People Management & Employee Welfare

• Overseeing smooth implementation of Human Resources policies for labor planning, recruitment, selection, induction, orientation and development of new employees in the organisation.
• Developing, managing and monitoring the performance of multi-skilled work force and conceptualizing need-based training programs for performing security operations.
• Ensuring prompt and timely resolution of employee grievances to maintain cordial management-employee relations; attending interpersonal issues arising at work place.
• Enforcing disciplinary standards and taking necessary preventive measures for minimizing violations of rules & regulations at workplace.

General Administration

• Arranging for necessary infrastructure involving purchase of capital equipment; managing large-scale movement of stores & ensuring optimum inventory control.
• Actively involved in liaising with various government departments & administrative authorities for obtaining necessary sanctions and ensuring statutory compliances.
• Taking adequate measures to ensure harmonious industrial relations among employees and keeping compliance with various industrial laws.

Infrastructure & Facilities Management

• Monitoring estate related functions including maintenance of facilities and coordinating with various government departments for attaining necessary sanctions and approvals.
• Supervising setting up of office premises. Networking with contractors for discussing infrastructure requirements.
• Developing and implementing key procurement strategies/ purchase schedules from the vendors and ensuring alignment with organizational objectives.
• Planning, scheduling and organizing events like conferences, seminars, etc.
• Governing employee welfare including provision of basic amenities, facilities and a hygienic and safe working environment, as well as canteen facilities.

CAMPUSS	YEAR OF STUDY	DEGREE OBTAINED
UCAM, UNIVERSIDAD CATÓLICA SAN ANTONIO DE MURCIA	2020-2023	Doctorate of Business Administration (Strategic Management) CANDIDATE.
UCAM UNIVERSIDAD CATÓLICA SAN ANTONIO DE MURCIA	2020-2021	MPhil
KAMPALA INTERNATIONAL UNIVERSITY	2010-2012	MBA (F&A)
NATIONAL UNIVERSITY OF RWANDA	2004-2008	B.ECON
EAST AFRICAN CHRISTIAN COLLEGE	2021-2022	Post Graduate Diploma in Theology
VANTAGE AFRICA SCHOOL OF LEADERSHIP	2022	Certified Project Management Professional (CPMP).
VANTAGE AFRICA SCHOOL OF LEADERSHIP	2021-2022	Post Graduate Diploma in Theology

January 2022-Update Dimentional Holdings Ltd as Country Director.

Major Attributes;

As Country Director is an experienced professional who is in charge of a team of management consultants to help an organization solve issues, maximize growth, and improve business performance. Country Director must conduct company research so that they can better understand the organization. • Direct and oversee multiple Projects and/or team leads on complex projects.
• Manage program roadmaps across multiple projects and assign work with clearly define tasks and objectives.
• Manage / provide oversight to critical projects, with focus in system consolidation and reporting.
• Define and manage roles & responsibilities, resource allocations, roadmap and project milestones, and operating guidelines.
• Develop business case, governance plan, policies & for the given projects.
• Achieve significant improvements in business alignment, application innovation, and excellent business strategy and stakeholder value.
• Identify risk and improve standard operating procedures for governance engagement, strategy, business case alignment, portfolio execution and delivery.
• Document processes to slow disbursements, speed collections, and refine payroll tax payment timing.
• Report against service levels (SLA's) by measuring the team against key performance metrics.

January 2019-June 2021 Rwanda Anglican Capital Investment Ltd (Rwanda) as Executive Director.

Major Attributes.

The Executive Director is responsible for overseeing the administration, programs and strategic plan of the organization. Other key duties include fundraising, Investments, marketing, and community outreach. The position reports directly to the Board of Directors.”
• Create complete business plans for the attainment of goals and objectives set by the board of directors,
• Build an effective team of leaders by providing guidance and coaching to subordinate managers,
• Ensure adherence of the organization’s daily activities and long-term plans to established policies and legal guidelines,
• Direct and oversee investments and fundraising efforts,
• Forge and maintain relations of trust with shareholders, partners and external authorities,
• Act as the public speaker and public relations representative of the company in ways that strengthen its profile,
• Review reports by subordinate managers to acquire understanding of the organization’s financial and non-financial position,
• Devise remedial actions for any identified issues and conduct crisis management when necessary,
• Develop and implement strategies aiming to promote the organization’s mission and “voice,
• Creating complete business plans for the attainment of goals and objectives set by the board of directors,
• Building an effective team of leaders by providing guidance and coaching to subordinate managers.

February 2016 – December 2018 with Topsec investment Ltd (Rwanda) as a General Manager.

• Carry out all Management Functions of Planning, Organizing, Coordinating, ensuring controls at all levels, focusing, administering and ensuring effective recruitment and placement of human resources is done commensurate to the company needs.
• Overseeing smooth operations in almost all the aspects of the organisation projects.
• Enforcing discipline among all the staff working within the organisation.
• Meeting clients and assisting the clients on Risk Management Factors.
• Having meetings with all the managers for solving various day-to-day problems.
• Meeting Government officials and the police on various matters.

Major Attributes.

Basic Function: The general manager is accountable for the administrative, financial, and risk management operations of the company, to include the development of a financial and operational strategy, metrics tied to that strategy, and the ongoing development and monitoring of control systems designed to preserve company assets and report accurate financial results. Principal accountabilities are:

Planning

• Assist in formulating the company's future direction and supporting tactical initiatives
• Monitor and direct the implementation of strategic business plans
• Develop financial and tax strategies
• Manage the capital request and budgeting processes
• Develop performance measures that support the company's strategic direction.

Operations

• Participate in key decisions as a member of the executive management team
• Maintain in-depth relations with all members of the management team
• Manage the accounting, human resources, investor relations, legal, tax, and treasury departments.
• Oversee the financial operations of subsidiary companies and foreign operations.
• Manage any third parties to which functions have been outsourced.
• Oversee the company's transaction processing systems.
• Implement operational best practices.
• Oversee employee benefit plans, with particular emphasis on maximizing a cost-effective benefits package
• Supervise acquisition due diligence and negotiate acquisitions

Financial Information

• Oversee the issuance of financial information
• Personally review and approve all Form with the Securities and Exchange Commission
• Report financial results to the board of directors.

Risk Management

• Understand and mitigate key elements of the company's risk profile
• Monitor all open legal issues involving the company, and legal issues affecting the industry
• Construct and monitor reliable control systems
• Maintain appropriate insurance coverage
• Ensure that the company complies with all legal and regulatory requirements
• Ensure that record keeping meets the requirements of auditors and government agencies
• Report risk issues to the audit committee of the board of directors
• Maintain relations with external auditors and investigate their findings and recommendations.

Funding

• Monitor cash balances and cash forecasts
• Arrange for debt and equity financing
• Invest funds
• Invest pension funds

Third Parties

• Participate in conference calls with the investment community
• Maintain banking relationships
• Represent the company with investment bankers and investors

January 2014 –2020 Par timer lecturer at UNILAK;

Main duties and responsibilities:

• To teach at undergraduate and graduate level in areas allocated by the Head of Department and reviewed from time to time by the Head of Department.
• To carry out research and produce publications, or other research outputs, in line with personal objectives agreed in the Staff review process.
• To obtain research funding support.
• To engage with the broader scholarly and professional communities.
• To supervise or assist with supervision of undergraduate, taught graduate (Masters) students.
• To contribute to the development, planning and implementation of a high quality curriculum.
• To assist in the development of learning materials, preparing schemes of work and maintaining records to monitor student progress, achievement and attendance.
• To participate in departmental and faculty seminars aimed at sharing research outcomes and building interdisciplinary collaboration within and outside the department.
• To participate in the development, administration and marking of exams and other assessments.
• To provide pastoral care and support to students.
• To participate in the administration of the department’s programmes of study and other activities as requested.
• To contribute to departmental, faculty, or UCL-wide working groups or committees as requested.
• To maintain own continuing professional development.
• To actively follow and promote UCL policies, including Equal Opportunities.
• To maintain an awareness and observation of fire and health and safety regulations.

April 2012 –January 2016 with BPR as a Credit Analyst team leader-

Main Attributions;

• Maintains the work structure by updating job requirements and job Handle a team in managing the daily administration for loan documentation in full compliance with the internal standards and external regulatory requirements
• Review loan documents and liaise with internal and external parties to ensure proper and efficient delivery of credit administration duties
• Conduct periodical review on loan administration policy and procedures to streamline workflow
• Act as the representative in signing deeds and bank guarantee
• Control the recording, deposit and withdrawal of the security documentations properly
• Generate, review and maintain loan disbursement reports for presentation to credit committees, and provide monthly reports on the same, in accordance to the credit policy and guidelines.
• Ensure all lending Documentation is complete as per the Company Policy and Procedures with respect to amount of finance, terms and conditions, borrower’s borrowing mandate, authorized signatory etc.
• Ensure that there is a robust process for the safe custody and control of all security documents
• Ensure compliance with the internal policy, credit approval terms and conditions regulatory ratio / policies etc., complete set of documentation Is complete and verification, thereof, before approving any new finance request
• Responsible for collateral valuation, collateral monitoring and collateral reconciliation with original documents, weekly monitoring of any pledged shares value to ensure compliance of coverage ratio and advise Corporate Credit to request top up in case of depreciation of pledge share price.
• Approval from relevant authorities is held for deferral / waiver of incomplete documents
• Ensuring post disbursement compliance with approved terms and conditions, assignment of rights, review expiry of credits, progress payment insurance, post fact mortgage etc.
• Review daily system credit monitoring and management reports and identify non-performing accounts with irregularities and proactively follow-up to ensure corrective action taken in line with credit policy.
• Monitor all irregularities, past dues, documentation deficiencies, etc., and report to Senior Management.

July 2011– March 2012 with Ecobank Rwanda as a Local Corporate Relationship Officer

Main Attributions;

• Build and maintain a sound understanding of their local marketplace and the key industry sectors within that marketplace.
• Regularly undertake a robust local area-marketing plan that identifies the key customer targets and new business opportunities that exist within the marketplace.
• Demonstrate a strong record of accomplishment and capacity to execute on the customer acquisition plan that has been developed including capturing cross-sell opportunities (with a particular focus on interest rate risk management, deposits, and transactional solution).
• Successfully negotiate terms and conditions with targeted customers that meet the risk-adjusted returns to the Bank.
• Ensure that at all times the portfolio quality is maintained as well as all internal compliance requirements are met.
• Ensure that the Relationship Manager and Assistant Relationship Manager is consistently and to a high quality coached and developed in the areas of business development, relationship management, credit writing and assessment and service delivery.

July 09 –June 2011 with KCB Rwanda as Reconciliation and Clearing officer

Main Attributions;

• Supervise and coordinate all bank reconciliation activities encompassing Field Offices, borrowings, investments, loans, subscriptions, administrative expenses payments etc.
• Provide critical input for technical accounting and policy guidelines on system implementation projects in the area of bank accounts and the reporting of balances due from banks in the financial statements.
• Supervise the investigation and follow up of all outstanding items on bank reconciliation statements with responsible persons and various organization units including;
• Supervise and analytically identify old and irrecoverable amounts on bank reconciliation and advice how best to resolve them.
• Ensure accurate and timely reconciliation of banking transactions for all the bank accounts maintained by the Bank Group and Trust Funds to ensure timely completion financial reports.
• Provide monthly summary of bank reconciliations for review by Management,
• Verify the reliability and accuracy of bank balances in the general ledger and trial balance,
• Working closely with FTRY, ensure that adequate internal controls are maintained in the opening and closing of new and old bank accounts.
• In liaison with other data entry personnel, improve the internal control environment on Bank accounts and transactions.

• April 24th 2010 Certificate in Bank Branch –Risk Management Library of 3 courses offered by KESDEE inc 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• May 7th 2010 Certificate in Credit analysis Library of 13 courses offered by KESDEE Inc 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• July 26th 2010 Certificate in Operational Risk Management Library of 21 courses offered by KESDEE Inc. 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• July 26th 2010 Certificate in International Trade Services Library of 9 courses offered by KESDEE Inc. 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• July 26th 2010 Certificate in Bank Branch –Advances Library of 7 courses offered by KESDEE Inc. 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• August 5th 2010 Certificate in Understanding Financial Statements Library of 6 courses offered by KESDEE Inc. 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• October 21st 2010 Certificate in Introduction to Bank lending Library of 7 courses offered by KESDEE Inc. 5280 Cdee.comarrol Canyon Road; Suite 220, San Diego; CA 92121. USA Tel 858-558-8118, Fax: 858-558-8448 Web site: www.kesdee.com
• November 1st -5th 2010 Certificate in Back office operations held at ABERDEEN House Kigali Rwanda.
• June 9th -12th 2014 Certificate awarded in MSME Financial Analysis Training by Access to finance Rwanda.
• January 28th -30th 2015 Certificate in performance management, Situational leadership and Customer service awarded by Linkage outsourcing services ltd and Creative solutions ltd.
• August 11th -16th 2010 Certificate in customer service training awarded by Linkage Outsourcing Services.
• March 1st to 3rd 2022 Certificate of Presentation and Participation in WESTOFORD Research and Leadership BOOTCAMP held in DUBAI, UNITED ARAB EMIRATES.
• MAY 26th-28th Certificate of Presentation and Participation in International Research conference on Management and Humanities held at the HARVARD UNIVERSITY IN BOSTON USA
• SEPT 24th Certificate of Presentation in WESTOFORD DBA RESEARCH COLLOQUIM held in DUBAI, UNITED ARAB EMIRATES.
• SEPT 24th Certificate of Active Participation in WESTOFORD DBA RESEARCH COLLOQUIM held in DUBAI, UNITED ARAB EMIRATES.
• NOV 3rd -5th Certificate of Presentation and Participation in International Research conference on Management and Humanities (ARICMH) held at the UNIVERSITY OF CAMBRIDGE IN UK.

• Most Rev Dr. Laurent Mbanda, Archbishop and Primate of Anglican Church of Rwanda Tel number +250 788 304830, email; mbandalaurent@gmail.com
• George W RUBAGUMYA, Executive Director Liaison Financial Service Rwanda limited and chairman Board of BPR BANK Tel +250 788 385 771, +254 703 883 569 email; grubagumya@liaisongroup.net
• Dr. Colin Rigby Reader and Director of Enterprise at Keele University, Tel:+447789691502 email;colin.r@westford.org.uk
• Liza Gernal, PhD, DM DBA Coordinator at Westford University College Tel +971521738916 email; liza.g@westford.org.uk

I declare that the given information is true and confidential. Andrew NKURUNZIZA