Charles Kapufi

CORE RESPONSIBILITIES

• Develop strategies to grow market share in SME banking.
• Lead Zonal Business Development Managers to meet financial targets.
• Manage asset portfolio quality to balance risk and return.
• Ensure compliance with AML, reputation risk, and mis-selling controls.
• Drive product innovation and process improvements.
• Build and maintain relationships with internal teams and external stakeholders.

Achievements:

• Successfully introduced and launched the SME banking business model.
• Established and developed a high-performing Business Banking team from the ground up.
• Overcame challenging market sentiment.
• Achieved 929% portfolio net growth over five years from 5.
• Maintained below 1% NPA on the organic retail assets portfolio.

CORE RESPONSIBILITIES.

• Manage in-country sales of transactional banking solutions and services.
• Provide insights on transactional banking trends, developments, and benchmarks.
• Structure deals and delivers client marketing programs for transactional solutions.
• Drive business growth through strong sales and client advisory services.

Achievements

• Non-interest income average growth of 50% year-on-year.
• Successfully tailored transactional dynamics for multimillion-dollar deals under structured trade finance.
• Developed the Trade Client Value Proposition (CVP) for SBT business banking clients. Enterprise the medium term (four years) Transactional Banking Strategic Plan for Business Banking.

RESPONSIBILITIES

• Manage product innovation, utilization, and revenue synergies.
• Coordinate the core banking system migration and transformation.
• Enhance product penetration and customer share of wallet through CVP improvements, and value-added tweaks.
• Review the monthly analysis on funding, competitor updates, dormancy, and attrition.
• Support personal and business banking strategy on liquidity management.

Achievement.

• Increased account management income by 40%.
• Successfully rolled out and implemented bundle pricing.
• Converted product and pricing functionalities into the new core banking system.

RESPONSIBILITIES

• Design and propose new product features for business banking clients.
• Design and propose new product features for business banking clients.
• Introduce product-use initiatives and schemes.
• Prepare margin analysis, and recommend action points for leadership.
• Coordinate risk appetite reviews, and analyze product performance, profitability, and competition.

Achievements:

• Designed and launched four Structured Trade Finance product programs and processes.
• Doubled product usage from 30% to 60%.
  

Responsibilities:

• Manage debit cards, credit cards, and ATM platforms.
• Liaise with VISA and other card issuers for seamless transaction processing.
• Implement card projects aligned with the bank's expansion plans.
• Coordinate the vetting and appraisal of credit card applications.

Achievements:

• Grew the credit card portfolio significantly.
• Maintaining near-zero fraud and non-repayment losses.

RESPONSIBILITIES.

• Drive business development, and market share growth.
• Deliver branch profitability and cost control.
• Ensure compliance with regulatory procedures and internal policies.
• Maintain a strong focus on service excellence and customer satisfaction.

Achievements.

• Successfully won the Western Union Club 500 audit in 2009.
• Helping the branch to break even in the first year.

Responsibilities:

• New customer acquisition, and cross-sell other bank products.
• Maintaining an optimal interest expense ratio.

Achievements:

• Committee member for the introduction of the retail banking proposition.
• Produced three years of exponential growth in account numbers and values.

Responsibilities:

• Sell comprehensive solutions in cash management, trade services, and client access platforms.
• Offer personalized banking services to local corporate clients.
• Cross-selling of other banking products.

Responsibilities:

• Joint Vault Cash Custodian.
• Supervision of the back-office team.
• Ensuring adherence to branch service standards and compliance with procedures and regulatory framework.
• Management of branch premises.

Responsibilities:

• Implement and monitor compliance in relation to money laundering as per Group policy, standards, and local regulation.
• Validating the accuracy of transactions posted.
• Encoding of all Telegraphic Transfers