ASAJILE MWANKUGHA
MBEYA,TANZANIA
Summary
I am an economist and statistician by professional, am a good organizer, eager to do good work, hard worker and I enjoy much working with people in a committed team player which strive for effectiveness and efficiency in doing job. Area of competence include;
Excellent Communication Skills: Ability to clearly convey information, actively listen, and effectively negotiate with clients.
Interpersonal Skills: Strong ability to build and maintain relationships, empathize with clients, and manage conflicts.
Customer-Centric Approach: Prioritizing client needs and providing exceptional service to enhance client satisfaction and loyalty.
Analytical Skills: Capability to analyze client data, market trends, and financial information to offer tailored solutions.
Problem-Solving Abilities: Aptitude for identifying issues and implementing effective solutions to address client concerns.
Product Knowledge: In-depth understanding of the company’s products or services to provide accurate and relevant information to clients.
Sales and Marketing Acumen: Skills in promoting and cross-selling products or services to meet client needs and achieve sales targets.
Time Management: Efficiently managing time to handle multiple clients, meetings, and tasks.
Adaptability: Flexibility to adjust to changing client needs and market conditions.
Negotiation Skills: Proficiency in negotiating terms and agreements to benefit both the client and the company.
CRM Proficiency: Familiarity with Customer Relationship Management (CRM) systems to track interactions and manage client information.
Emotional Intelligence: Ability to understand and manage one’s own emotions, and those of others, to foster positive interactions.
Industry Knowledge: Awareness of industry trends, regulations, and competitive landscape to provide informed advice.
Strategic Thinking: Long-term planning to develop strategies that enhance client relationships and business growth.
Conflict Resolution Skills: Effectiveness in resolving disputes and maintaining positive client relationships.
Professionalism and Integrity: Upholding ethical standards and building trust through honesty and reliability.
Overview
5
5
years of professional experience
Work History
Acting ZONAL BUSINESS SUPPORT
CRDB Bank
10.2021 - Current
Throughout my professional journey, I have had the opportunity to serve in various roles, such as:
- Zonal Business Analyst for the Highland Zone
- Manager of Business Development (MBD) at the Mbeya Branch
I have covered these roles multiple times since 2021. Additionally, I am currently fulfilling duties in the capacity of ZBS.
Relationship Officer
CRDB Bank
10.2019 - 12.2024
- Facilitated meetings and discussions between clients, sales and delivery teams.
- Increased referral business by actively networking within the community and participating in local events representing the bank.
- Monitored, followed-up and escalated cases to meet customer response commitments.
- Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.
- Regular meetings and offering available lending and non-lending products.
- Identify new product opportunities through local market intelligence.
- Marketing the bank’s service capabilities; looking for ways to enhance the relationship outside of lending.
- Proactively market “SME” lending and deposit opportunities from current and prospective clients.
- Cross selling of bank’s products and services to SME customers
- Advise SME customers in records keeping and preparation of financial statements.
- Collection of market intelligence information local competition, products and levels of service.
- Proactive monitoring and maintenance of the relationship with customers especially in lending
- Loan Preparation & Appraisal Functions
Interviewing, analyzing, and evaluating borrowers and potential borrowers with emphasis on risks (business, financial, market etc) and particular focus on repayment risk (cash flow); preparation and completion of loan application forms and making appropriate recommendations to Branch Credit Committee and Head office.
- Control Functions
Maintaining SME credit files, co-coordinating efforts with Head Office SME unit, audit, loans administration & documentation and banking operations. Working together with Manager Credit Operations to ensure loan documentation, securities are perfected and in place before disbursement.
Education
Bachelor of Arts - ECONOMICS AND STATISTICS
UNIVERSITY OF DAR ES SALAAM
Dar Es Salaam, Tanzania11.2013
Skills
- Computer skills-Basic Computer Applications (Ms-Word, Ms-Access, Ms-Publisher, MS- Power Point)
- MS-Excel Applications (Advanced application)
- Statistical Packages for Social Sciences (SPSS and STATA Applications)
Other Self trainings under Udemy;
- October-2022 Introduction to Business Data Analysis
- June-2022 Microsoft Excel Course: Excel from Beginner to Advanced
- February-2022 Banking Credit Analysis Process (for Bankers)
Accomplishments
In 2020, I managed a loan portfolio valued at Tzs 5.57 billion, serving 40 customers. Through strategic customer acquisition, diligent risk management, and effective portfolio diversification, I increased the portfolio's value to Tzs 20.41 billion by October 2024, expanding our customer base to 84. This achievement reflects a remarkable growth of 266% over the period."
Timeline
Acting ZONAL BUSINESS SUPPORT
CRDB Bank
10.2021 - Current
Relationship Officer
CRDB Bank
10.2019 - 12.2024
Bachelor of Arts - ECONOMICS AND STATISTICS
UNIVERSITY OF DAR ES SALAAM
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