Elias Mfere
Dar es Salaam
Summary
Dynamic and results-driven Senior Relationship Manager with 13+ years of progressive experience in corporate and retail banking. Proven ability to deliver tailored financial solutions across structured products, trade finance, and transaction services. Adept at building trusted relationships with high-value clients and government-related entities through strategic engagement and deep market insight. Skilled in leading cross-functional teams, optimizing portfolio performance, and driving revenue growth.
Overview
13
13
years of professional experience
Work History
Senior Relationship Manager, Corporate Banking
Access Bank Tanzania
Dar es Salaam, Tanzania
06.2025 - Current
- Act as trusted advisor to corporate and public sector clients, delivering tailored financial strategies that enhance long-term business performance.
- Lead origination and execution of solutions across structured products, trade finance, and bespoke transaction services.
- Strengthen client relationships through strategic engagement with senior management, unlocking opportunities, and fostering loyalty.
- Cross-sell financial products, including structured trade packages, treasury services, and customized lending solutions.
- Represent Access Bank in external forums, reinforcing its reputation as a premier provider of institutional banking services.
Relationship Manager, Retail Banking
Standard Chartered Bank
Dar es Salaam, Tanzania
08.2018 - 06.2025
- Boosted performance in retail and business banking, and significantly contributed to turning the unit from loss-making to over $1 million in monthly operating profit.
- Enhanced credit and risk management by preparing and reviewing credit papers, setting limits, and managing exposures.
- Monitored lending portfolio risk, and proactively engaged clients to prevent stressed accounts.
- Contributed to the Country Leadership Team to shape direction, enhance profitability, and champion a customer-centric culture.
Relationship Manager, Institutional Banking
Bank M Tanzania
Dar es Salaam, Tanzania
01.2015 - 05.2018
- Fostered the acquisition of key accounts, including the Aids Trust Fund (ATF), a sustainability initiative collecting 8% from Value Added Tax (VAT), the National Housing Corporation (NHC), and subsequent financing of approximately $7 million, as well as the Global Fund program account by AMREF of over $20 million.
- Leveraged research products are offered for clients' advantage, and focus on enhancing cross-selling opportunities and profitable transactions.
- Boosted overall client profitability by developing and aligning detailed client marketing plans, and driving the client's pricing and ROE.
- Capitalized on new opportunities and identified potential risks for the bank by leveraging a deep understanding of the industry’s market environment and continuous assessment of competitor landscapes.
- Drove annual budgets in liaison with product houses, and monitored actual performance against the budget; drove product cross-sell, and client profitability.
Ag. Relationship Manager, Corporate Banking
Stanbic Bank Tanzania
Dar es Salaam, Tanzania
05.2013 - 12.2014
- Managed Tanzania Petroleum Development Corporation (TPDC) escrow account for the $1.2 billion finance from the Export-Import Bank of China.
- Championed opportunities and risk identification by conducting research on clients, their businesses, operations, and performance, as well as trends in their specific industries at the request of the Relationship Managers.
- Maintained accurate information for budget planning and performance analysis by compiling and analyzing client and product profitability.
- Maintained consistent client deal enablement at the required standard through ongoing review of the client base for potential high-risk clients.
- Achieved zero write-off of debt, zero operational loss, and relevant workflows between credit and coverage by fostering compliance issues.
Relationship Officer, Corporate Banking
Stanbic Bank Tanzania
Dar es Salaam, Tanzania
05.2012 - 05.2013
- Spearheaded the repayment of the $250 million syndication loan to the government of Tanzania for infrastructure projects.
- Informed Relationship Managers about account management plans by analyzing and compiling sales activity and business pipeline information.
- Liaised with clients to provide or request information, to assist in the deal execution, and gathering of critical information for the bank.
- Updated client information for analysis and marketing purposes by liaising with clients to gather the updated information.
- - Liaised with the Relationship Manager to develop and prepare documents to complete the annual credit review, as well as the credit paper for submission to the Product Credit Committee (PCC).
- Streamlined, efficient credit process by supporting Relationship Managers in the credit process, including credit applications, paper preparation, and excess management.
Education
MSc. - Finance and Investment
Coventry University
United Kingdom01.2018
BSc. - Accounting and Finance
Mzumbe University
Morogoro, Tanzania01.2011
Skills
- Portfolio management
- Corporate & Institutional Banking
- Structured products and trade finance
- Credit and risk analysis
- Effective communicator
- Professional and disciplined
Languages
English – Fluent, Swahili – Native
References
Available upon request
Websites
Accomplishments
- Spearheaded the repayment of a $250M syndicated loan to the government for infrastructure projects
- Managed TPDC’s $1.2 billion escrow account in collaboration with the Export-Import Bank of China
- Led acquisition and finance structuring for ATF, NHC, and AMREF ($20M+)
References
References available upon request.
Timeline
Senior Relationship Manager, Corporate Banking
Access Bank Tanzania
06.2025 - Current
Relationship Manager, Retail Banking
Standard Chartered Bank
08.2018 - 06.2025
Relationship Manager, Institutional Banking
Bank M Tanzania
01.2015 - 05.2018
Ag. Relationship Manager, Corporate Banking
Stanbic Bank Tanzania
05.2013 - 12.2014
Relationship Officer, Corporate Banking
Stanbic Bank Tanzania
05.2012 - 05.2013
MSc. - Finance and Investment
Coventry University
BSc. - Accounting and Finance
Mzumbe University
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