Faraji Noor Senkoro
Dar es Salaam,Tanzania
Summary
I am a banking and mortgage finance professional with 14 years of experience helping clients, teams, and businesses succeed. Over the years, I’ve built expertise in business development, client relationship management, credit risk, and regulatory compliance, while staying focused on creating mortgage solutions that truly fit client needs. I enjoy driving portfolio growth and building long-term partnerships by combining financial knowledge with a customer-first mindset. Colleagues and clients know me as a collaborative team player who values trust, clear communication, and results. I take pride in coaching and supporting teams, strengthening client relationships, and contributing to sustainable business growth in a constantly evolving financial services environment.
Overview
14
14
years of professional experience
7
7
years of post-secondary education
Work history
Relationship Manager
First Housing Finance Tanzania Ltd
Dar es Salaam, Tanzania
2023.07 - 2025.09
- Enhance mortgage portfolio through strategic customer interactions, personalised engagements, and branch-driven initiatives, attaining steed portfolio growth.
- Develop and execute annual mortgage action plans ensuring consistent growth and profitability.
- Support Relationship Officers and Sales Agents team in managing high net worth individuals (HNIs).
- Design and deliver tailored customer specific mortgage solutions including purchase, construction, refinancing, completion and equity release.
- Capture, analyze, and share customer feedback with product teams, directly shaping improvements and digitization of mortgage processes.
- Act as first line of defense for critical client complaints, ensuring timely resolution and service excellence.
- Built and maintain strategic partnerships with real estate developers, regulators, and government entities, boosting pipeline conversion.
- Negotiate high value mortgage deals analyse and present customer mortgage appraisals to management credit committees.
- Recruit and manage partnerships with private organizations and industry associations, driving stronger business collaboration and schemes opportunities.
- Implement sales strategies and embedd a strong sales culture across the branch network, resulting in strong growth in regional mortgage uptake.
- Equip and support sales teams with lead generation tools, ensuring consistent sales performance across all regions.
- Ensure customer onboarding and lending processes were fully compliant with internal policies and regulatory requirements.
- Control non-performing assets (NPAs) within regulatory thresholds, while introducing customer rehabilitation strategies for at risk accounts.
- Provide coaching, mentoring, and training to relationship officers and sales agents to strengthening skills in customer acquisition credit analysis, negotiation, and customer service.
- Foster strong collaboration with credit, operations, and product teams, ensuring seamless client experiences.
Relationship Officer
First Housing Finance Tanzania Ltd
Dar es Salaam, Tanzania
2017.09 - 2023.06
- Generated new business opportunities through direct leads and branch referrals.
- Built strong client relationships through regular visits, calls, and proactive follow-up.
- Monitored client cases, escalated issues when necessary, and ensured timely resolutions.
- Partnered with credit teams to analyze customer data, improving lending processes.
- Collaborated with real estate developers to create quality mortgage pipelines.
- Cross-sold additional financial products, boosting portfolio value.
- Consistently supported high-value clients with tailored solutions and seamless service.
Relationship Officer
AccessBank Microfinance Tanzania Limited
Dar es Salaam, Tanzania
2011.06 - 2017.09
- Developed and retained SME and microfinance portfolios through relationship-building.
- Assessed creditworthiness and conducted feasibility studies for loan approvals.
- Ensured compliance with policies and regulatory lending standards.
- Supported loan recovery and restructuring to minimize defaults.
- Promoted cross-selling opportunities to increase product uptake among clients.
- Delivered responsive client support, improving satisfaction and loyalty.
Education
Postgraduate Diploma - Banking Management
Bank of Tanzania Academy (BOTa)
Tanzania 2024.10 - 2025.09
Bachelor’s Degree - Banking and Finance
Institute of Finance Management (IFM)
Tanzania 2014.10 - 2017.11
Diploma - Business Administration
College of Business Education (CBE)
Tanzania 2012.06 - 2014.10
Basic Certificate - Business Administration
College of Business Education (CBE)
2009.01 - 2010.01
Skills
- Client Relationship Management
- Risk, Compliance & NPA Control
- Business development
- Product knowledge
- Customer retention tactics
- Sales and marketing strategy
- Financial analysis
- Business Performance Reporting
- Customer Service
Projects
In-House Market Research for Product Development (2020 – 2024): Led product design (construction & equity release) based on market trends, directly contributing to portfolio growth.
Training
- Credit Bureau Training | Bank of Tanzania (BOT) | 2024
- Mortgage Financing | Bank of Tanzania (BOT) | 2024
- Sales and Recovery Techniques | Debt Star Collection | 2023
Languages
English
Advanced
References
Available on request
Timeline
Postgraduate Diploma - Banking Management
Bank of Tanzania Academy (BOTa)
2024.10 - 2025.09
Relationship Manager
First Housing Finance Tanzania Ltd
2023.07 - 2025.09
Relationship Officer
First Housing Finance Tanzania Ltd
2017.09 - 2023.06
Bachelor’s Degree - Banking and Finance
Institute of Finance Management (IFM)
2014.10 - 2017.11
Diploma - Business Administration
College of Business Education (CBE)
2012.06 - 2014.10
Relationship Officer
AccessBank Microfinance Tanzania Limited
2011.06 - 2017.09
Basic Certificate - Business Administration
College of Business Education (CBE)
2009.01 - 2010.01