HARRIETH SEPEKU
Dar es Salaam,Tanzania
Summary
Performance-oriented expert in Balance Sheet Management, consistently working to maintain a diversified and effective balance sheet to optimize shareholder value, while ensuring adherence to all Regulatory and relevant requirements. I showcase a robust capability in overseeing essential processes such as Liquidity, Capital management, and Risk Management, in addition to nurturing strategic relationships with stakeholders. I am dedicated to achieving sustainable growth through thorough planning and innovative solutions that are adapted to ever-changing market condition.
Organized and dependable with years of experience. Successful at managing multiple priorities with positive attitude. Willing to take on greater responsibilities to meet team goals.
Overview
19
19
years of professional experience
3
3
years of post-secondary education
1
1
Certification
Work History
Senior Manager Balance Sheet Management
CRDB Bank Plc
Dar es Salaam, Tanzania
11.2019 - 05.2025
- Managing overall bank's Balance sheet to ensure the bank has a well-diversified B/S to ensure maximization of shareholders value at all times.
- The key objective being to achieve optimal net interest margin (NIM), with maximization of yields while minimizing cost and risk exposures, through Performance & Balance Sheet Management.
- Portfolio Management (of Net Open Position of Banking Book)
- Capital Management
- High-level risk analytics and measurement
- Reporting & communication
Senior Trader Long term funding & international financial institutions
CRDB Bank Plc
Dar es Salaam, Tanzania
06.2016 - 11.2019
- As a long term financial institution trader, I have been involved in various activities within the ALM unit and below are some of the key areas;
- Funding Management
- Offer Initiatives on alternative long term and stable funding sources and structures through critical miss-match gap analysis on the balance sheet
- Liquidity Management
- To offer Branches supervisory and advisory services in Management of branch vaults cash limits
- Performance & Balance Sheet Management
- Establishment of the long term funding pricing mandate through frequently analysis against associated cost of funds trend analysis.
- Risk Management
- Management of prudential limits on foreign exposures
- Compliance with all applicable ALM regulations
- Compliance with all placements abroad ratios limits, both internal and regulatory
- To ensure management of relationship with the regulator on above issues is a top priority.
- Annual Review and advice on all policies relating to front office treasury operations (Treasury manual & liquidity policy in particular).
- Review and advice on the bank's contingency funding plan and ensure periodic testing of the same is done and documented.
- Review and advice on the risk limit assumptions and calculations for all bank dealings with correspondences.
Assistant Manager Risk Assurance Services
PwC Tanzania
04.2015 - 06.2016
- As an assistant manager, managing the Internal audit unit my key roles involved review clients risk assessment processes, risk registers, quantification of risks aligning with the operating environment, as well as quality assessment reviews of internal audits of various institutions.
- For each engagement I managed teams as well as budget preparation to ensure successfully completion.
Senior Associate Auditor – Public Sector
PwC Tanzania
07.2012 - 03.2015
- During this time I was involved in the audits and reviews of the public sector group.
- The main areas of review included projects implementations as well as budget forecast reviews and management of grants.
- As a senior associate I was in charge of all planning and completion activities of the engagements as well as initial reviews of engagement team areas.
- This has helped me grasp the understanding of the local operating environment and regulatory framework and the exposure necessary to handle roles/tasks under varying circumstances (flexibility and pragmatism).
Associate Auditor
PwC Tanzania
09.2009 - 06.2012
- As an associate I worked as a team member, involved in audits and reviews for clients from various industries, including Financial Sector, Manufacturing, and Telecommunication industries.
Intern
Ualimu Saccos Morogoro
06.2009 - 08.2009
- I attended a Field Practical Training at Ualimu Saccos Morogoro District.
- Where I was basically involved in reconciling the members books to the cards maintained at the Saccos, computation of interests charge for the new loans taken by the members as well as ensuring the members meet the criteria for taking the applied amounts of loans.
Intern
Ilala Municipal council
06.2008 - 07.2008
- I attended Field Practical training at Ilala Municipal council under Economic Planning Department, where I was basically involved in reviewing the progress of the projects which were funded by government and other donors, where we checked the strength weaknesses, threats and opportunities for the implemented and which was necessary for the budgeting process of the following year.
- We checked the reasonableness of the budgets for the projects that were being implemented against the actual cost incurred for different stages /phases of projects implementation.
Volunteered Intern
Tanzania Gender Networking program
01.2008 - 01.2008
- Volunteered internship at Tanzania Gender Networking program, worked under Information Generation and Dissemination department.
- Where I was involved in preparation of weekly meetings which involved different people from different communities.
- I as well worked in the library assisting library users.
Volunteered Internship
Tanzania Gender Networking program
04.2006 - 08.2006
- Volunteered Internship at Tanzania Gender Networking Program worked under Information Generation and Dissemination department.
- Where I was involved in preparation of weekly meetings which involved different people from different communities, assisting the library users, distribution of materials and books and preparation of motivational walks.
Education
Bachelor of Science - Agricultural Economics and Agribusiness
Sokoine University of Agriculture
Morogoro 01.2006 - 01.2009
Skills
- Liquidity Management
- Capital Management
- Financial Analysis and Forecast
- Risk Management & Compliance
- Banking and Investors Relationship Management
Certification
- 2024, Leadership and Board Competence, ATE
- 2022, ACCA, ACCA
- 2018, ACI, ACI Dealing certificate
- 2015, Certificate in Quality assessment review, Certified quality assessment reviewer
Other Trainings & Workshops
- African Banking Conference hosted by Standard Bank, 2019-2024
- BOT Compliance Course: New Form 16 Series and Schedules, 12/01/18
- BOT 2014 Prudential Regulations, 09/01/16
- ALM Boot Camp, 07/01/16
- Certificate on Quality Assessment review, 07/01/15
- Leading teams focusing on team management, 09/01/14
- US Government Compliance & Financial Management Training, 09/01/13
Languages
English
Fluent
Swahili
Native
Accomplishments
- Grew the Long term funding Book of my current employer from USD 50Million in 2016 to more than USD 800Million in 2024
- In 2024 I led the team to close the biggest funding transaction of more than USD 320 Million with competitive terms
- In 2022, I led the team, to successfully close a major syndication deal outside of public sector with Investec and Intesa Sanpaolo as joint lead arrangers, mobilizing USD 130 Million
- Played a key role in the development and improvement of the Treasury Operations manual
Timeline
Senior Manager Balance Sheet Management
CRDB Bank Plc
11.2019 - 05.2025
Senior Trader Long term funding & international financial institutions
CRDB Bank Plc
06.2016 - 11.2019
Assistant Manager Risk Assurance Services
PwC Tanzania
04.2015 - 06.2016
Senior Associate Auditor – Public Sector
PwC Tanzania
07.2012 - 03.2015
Associate Auditor
PwC Tanzania
09.2009 - 06.2012
Intern
Ualimu Saccos Morogoro
06.2009 - 08.2009
Intern
Ilala Municipal council
06.2008 - 07.2008
Volunteered Intern
Tanzania Gender Networking program
01.2008 - 01.2008
Volunteered Internship
Tanzania Gender Networking program
04.2006 - 08.2006
Bachelor of Science - Agricultural Economics and Agribusiness
Sokoine University of Agriculture
01.2006 - 01.2009
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