ALLAN NJAMA
Dar es Salaam
Summary
Zonal Relationship Manager | Channels Performance | Y9 Microfinance Tanzania - Digital Microfinance
Experienced in overseeing and optimizing sales operations through innovative strategies for MSME lending and multiple channels (B2G, B2B, B2C, B2A, and Merchants via the FCMG sector). Expertise in FinTech, specializing in digital and cash lending, as well as asset and device financing. Proven ability to unlock business opportunities, drive service excellence, and manage large sales teams. Skilled in collaborating with internal units to address customer needs, enhance the bank’s reputation, and boost sales performance. Adept at implementing best practices, managing relationships, and leading business growth. A highly motivated, fast learner and team player with strong leadership skills, capable of working independently with minimal supervision.
Overview
18
18
years of professional experience
Work History
Zonal Relationship Manager: Channels Performance
Y9 Microfinance Tanzania Limited – Digital Microfinance
Dar Es Salaam
03.2023 - Current
- Responsible for branch's performance review through data analysis against Zone sales targets and annual budget for business growth.
- Managing regional managers, team leaders, and sales agents by monitoring target attainment, lead generation, and account follow-up, and individual or personal growth.
- Constant training to the team and providing overall guidance to the sales team of assigned zone.
- Setting reasonable targets to be achieved by sales agents, team leaders, and regional managers and properly evaluating and monitoring the targets.
- Monitoring the performance of the sales team and motivating members to meet or exceed sales targets
- Ensure that confidentiality is respected and always maintained and resolved all issues and disputes internally and externally
- Develop and maintain relationships with key stakeholders, such as clients, government agencies and other instructions to identify potential investment opportunities and expand bank’s portfolio in zone
- Champion brand and trade visibility within the zone through excellent trade marketing execution and relationship building to penetrate our product in every area within the zone and create product awareness.
- Setting and reviewing monthly, quarterly, and yearly sales and revenue of the zone, and delivering timely reports to the management team on all zonal operations.
- Unlock business opportunities in government and private sectors.
- Manage the bank's risk exposure within the zone, including credit risk, market risk, operational risk, and reputation risk.
- Ensure proper KYC documentation for all new agents and merchants.
- Developing and sustaining long-term relationships with customers.
- Ensure to secure a qualified and competitive customer base
- Ensure that all client needs, requirements, and expectations within allocated accounts are met.
- This includes, but is not limited to, the preparation of formal proposals; management of change requests; and responsibility for liaising with billing and credit control.
- Ensure that the team plans and conducts regular customer meetings.
- Develop new business streams through proactively approaching potential new customers.
- Oversee the Zonal OPEX management, focusing on optimizing key cost drivers and delivering profitability.
- Keeping up to date about company products, services, and schemes, and participating in company strategic decisions on how the products can be improved.
- Create a strategic and aggressive system to onboard customers on a membership subscription model for device financing.
- Developed and maintained strong relationships with clients to ensure satisfaction and loyalty.
Country; Head of Sales and Marketing
Tunakopesha Financial Services Limited
Dar Es Salaam
03.2016 - 02.2023
- Identifies, monitors, and research market conditions for new business opportunities
- Develop marketing plans with specific goals, targets, and timelines.
- Evaluates the potential risks that could pose to the company regarding new opportunities
- Management staff vacations, staff recruitment, performing training, and coaching to staff.
- Lead and review disciplinary cases from branches.
- Examines opportunities for organic growth within the company
- Conducts sustained research and gathering of data and relevant information as needed to develop successful business proposals
- Provide supervision through field visits with Zonal Sales Manager
- Provide guidance to zonal managers on recruiting, selecting, orienting, training, coaching, and counseling the sales team at a branch level
- Plans and monitors annual targets, ensures that operating costs are in line with acceptable budget ratios at branch and overall company’s level
- Support in reviews and approves annual work plans and annual strategic goal of all branches around business operation
- Set monthly business targets and objectives (quantitative as well as qualitative targets) for all direct subordinated in business department staff
- Create and implement effective direct sales strategies and lead cluster sales force (zonal managers, branch managers/team leaders and sales agents) towards achieving the company sales objectives
- Build and grow on existing customer base, expand growth in new markets
- Building and maintaining an effective team and identifying needs for staff training
- Develops financial underwriting and written business plans
- Analyzes data to evaluate existing and potential business and program opportunities
- Responsible for all sales and business development activities of the company
- Interprets data, formulates reports, and makes recommendations based upon research findings
- Involved in preparation and responsible for attaining company annual targets and growth.
- Responsible for cementing and establishing relationships with corporate customers
- Responsible for managing operational excellence of the company.
- Conducted market research, analyzed customer feedback, and identified opportunities for improvement.
- Developed and implemented strategic marketing plans to increase brand awareness and reach target markets.
Zonal Sales Manager – Central Zone
Tunakopesha Financial Services Limited
Dodoma
01.2015 - 02.2016
- Implementing an acquisition strategy that is focused on building and maintaining high quality and long-term relationships with customers.
- Control expenditures within approved limits.
- Recruit, train, and develop staff within the zone and ensure that they have the necessary skills and knowledge to meet the company's objectives.
- Implement company strategy of acquisition and maintenance of the portfolio and fulfilling customers' requests, proper maintenance, collection, and recovery where necessary in a professional manner.
- Ensure that the budgeted targets, zone-wise, are achieved.
- Plan the marketing input in terms of advertising and promotions.
- To explore the gaps or report on any existing opportunity for the company to enter new areas or expand the existing product lines.
- Ensure to have a branch in all districts of the region within the zonal area.
- Evaluate operational procedures adopted, and suggest ways to improve operational efficiency.
- In charge of and responsible for the commercial affairs of all company branches within my assigned zone.
- Manage all branch employees and human resources matters.
- Establish sales objectives by forecasting and developing annual sales quota for regions, and projecting expected sales volume for repeat business and refinanced.
- Develop and implement zone strategies to meet and exceed forecasts.
- Instill discipline among the sales force, ensure and maintain a good culture within the sales force.
- Managing sales and marketing team at zone to meet a planned budget.
- Developed and implemented effective sales strategies to increase market share in the assigned zone.
- Monitored regional sales performance metrics to identify any need for improvement or corrective action.
Banking Officer KYC Reviewer - Team Leader
National Microfinance Bank - NMB
Tabora
01.2013 - 12.2014
- Identify and document findings.
- Communicate results to Fulfillment Manager
- Ensure resolution, document, and re-review case for completeness.
- Liaise with Compliance, relationship managers, and other senior stakeholders for KYC approval.
- Ensure and deliver a high standard of quality in the KYC files in adherence to the bank's policies and procedures.
- Develop a good understanding of the overall KYC operations process and act as a subject matter expert to support the team.
- Determine KYC requirements for clients based on type of structure and relationship.
- Assess cases for completeness, accuracy, and adherence to KYC procedures.
- Review system's quality assurance for the new accounts opened by the retail department.
- Escalate to compliance any deficient accounts before booking in the system.
- Supervision of all activities of the KYC report.
- Mentor, coach, and appraise the team for better performance and career growth.
- Align with internal stakeholders to provide clarity on the KYC file during such process.
- Assist with workflow coordination.
- Verified accuracy of documents related to loan processing activities.
Territory Business Manager
Quality Motors Limited - QML
Dar Es Salaam
02.2011 - 12.2012
- Overseeing local and regional sales, promotions, and campaigns.
- Planning and directing the hiring and training of the new Sales Team.
- Directing and coordinating all sales activities locally and regionally.
- Preparing sales budgets and projections, and approving expenditures.
- Tracking and analyzing sales statistics based on key quantitative metrics.
- Handling and resolving customer complaints regarding a product or service.
- Advising distributors and dealers on policies and Standard Operating Procedures (SOPs)
- Serving as the face of the organization to internal and external partners.
- Making data-informed decisions to drive performance and resource allocation.
- Developing and maintaining relationships with key clients.
- Overseeing and directing the performance of the sales team.
- Identifying emerging markets to find new sales opportunities.
- Developed and implemented sales strategies for assigned territory to reach maximum profitability.
Loan Officer (Lead Generator)
Barclays Bank Tanzania
Dar Es Salaam
01.2009 - 01.2011
- Evaluates loan applications and documentation by confirming creditworthiness.
- Handle customer complaints and take appropriate action to resolve them.
- Negotiate payment arrangements with customers who have delinquent loans.
- Market bank products to individuals and firms, promoting bank services that may meet customer needs.
- To actively seek out client to borrow (Direct Marketing)
- Operate in compliance with laws and regulations, and adhere to lending compliance guidelines.
- Ensured loan recovery, timely follow-up for delayed repayment.
- Go the 'extra mile' to build trust relationships, customer loyalty, and satisfaction throughout the underwriting process.
- Determine all applicable ratios and metrics, and set up debt payment plans.
- Collected mandatory information to analyze client's situation.
Sales Officer
Bustan Macaron and Noodles Company
Dubai
06.2006 - 10.2008
- Meet and exceed sales targets.
- Identify potential customers, new business development.
- Build strong trading relationships within all new and existing accounts.
- Maintain positive business and customer relationships in the effort to extend customer lifetime value.
- Develop strategies for more effective sales, both individually and as part of a team.
- Demonstrates products and services as deemed necessary by clients and management.
- Analyzes and creates a plan for engaging the target market.
- Analyzes the competition to create a plan for engagement.
- Reporting any competitor's activity deemed important.
- Coordinated Daily Field Reports (DFRs) and distributed to clients.
- Developed and significantly grew assigned territory using strong engagement and marketing skills.
- Improved profit margins by effectively managing expenses, budget and overhead, increasing closings and optimizing product turns.
- Established ambitious goals for employees to promote achievement and surpass business targets.
Education
Master of Science - Marketing Management
Mzumbe University
Dar Es Salaam11-2025
Short Course - Digital Marketing Essentials
University of Dar Es Salaam
Dar Es Salaam09-2024
Short Course - Loan Management, Appraisal & Credit Risk Control
The Tanzania Institute of Bankers
Dar Es Salaam 08.2022
Bachelor of Arts - Marketing Management
Collage of Business Education (CBE)
Dar Es Salaam 11-2020
Diploma - Business Administration In Marketing Management
St John University of Tanzania
Dodoma11-2016
Short Course - Negotiation & Customer Care Skills
East Africa Productive Trainer Ltd (College & University Skills Training Program 2012)
Dar Es Salaam 04.2012
Certificate of Ordinary Secondary School - Business
Jamhuri High School
Dodoma10-1999
Skills
- New Business Development
- Sales & Marketing
- Team Building & Leadership
- Contract Negotiations
- Public relation & speaking
- Policy/Procedure Formulation
- High End Technical Training
- Program Development
- Human Resource Management
- Budgeting ratios
- Strategic & Tactical Planning
- Recruitment
- Overcoming Objections
- Client Engagement
- De-Escalation Techniques
- Customer Education and Consulting
- Relationship Management
Accomplishments
- Lead a team of sales and marketing departments in a promotional campaign that resulted in increased sales and the company exceeding its annual sales targets by 20%.
- Increased my territory’s client base by 30% on year.
- Trained and developed a team of five new field sales branch coordinators who achieved an average of 120% of their sales targets within their first three months.
- Promoted within a year in service from the position of Zonal Sales Manager to the position of Country Head of Sales and Marketing at Tunakopesha Financial Services Limited.
- Developed a new system for generating sales leads which was implemented across the organization and resulted in a 30% improvement in sales performance.
- Unlocking new business channels that leads to increase market share by 27% annually
- Managed to reduce portfolio at risk from 15 to 3
Personal Information
- Place of Birth: Dodoma
- Date of Birth: 01/14/81
- Gender: Male
- Nationality: Tanzanian
- Marital Status: Married
Languages
- Swahili
- English
References
- Peter Mbezi, Regional Manager, Vision Fund Microfinance Bank, mbezi.peter@gmail.com, +255 784 062 321
- Nicholas Kizenga, Business Development Manager, Y9 Bank Tanzania, Kizenga.n@gamil.com, +255 757 101 010
- Rodrick Kamguna, HR Coordinator, Ministry of Foreign Affair, rodneykamguna@gmail.com, +255 652 199 044
Disclaimer
I, NJAMA, Allan Hereby declare that the Information above furnished is true to the best of my knowledge and belief
Timeline
Zonal Relationship Manager: Channels Performance
Y9 Microfinance Tanzania Limited – Digital Microfinance
03.2023 - Current
Country; Head of Sales and Marketing
Tunakopesha Financial Services Limited
03.2016 - 02.2023
Zonal Sales Manager – Central Zone
Tunakopesha Financial Services Limited
01.2015 - 02.2016
Banking Officer KYC Reviewer - Team Leader
National Microfinance Bank - NMB
01.2013 - 12.2014
Territory Business Manager
Quality Motors Limited - QML
02.2011 - 12.2012
Loan Officer (Lead Generator)
Barclays Bank Tanzania
01.2009 - 01.2011
Sales Officer
Bustan Macaron and Noodles Company
06.2006 - 10.2008
Master of Science - Marketing Management
Mzumbe University
Short Course - Digital Marketing Essentials
University of Dar Es Salaam
Short Course - Loan Management, Appraisal & Credit Risk Control
The Tanzania Institute of Bankers
Bachelor of Arts - Marketing Management
Collage of Business Education (CBE)
Diploma - Business Administration In Marketing Management
St John University of Tanzania
Short Course - Negotiation & Customer Care Skills
East Africa Productive Trainer Ltd (College & University Skills Training Program 2012)
Certificate of Ordinary Secondary School - Business
Jamhuri High School
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