IRENE MTIKILE
DAR ES SALAAM,TANZANIA
Summary
Strategic-minded Senior Relationship Manager offering over 9 years' experience in rolling out financial planning strategies to help clients improve investments while maximizing Organizational Profit. Experienced in Institutional banking, retail banking, and Business Banking. I am a self-motivated, aggressive, energetic, and fast leaner person who is comfortable working with and for all types of personalities.
Overview
16
16
years of professional experience
Work History
Relationship Manager
Mkombozi Commercial Bank Plc
Dar es Salaam, Tanzania
02.2024 - Current
- Built business by acquiring new customers and deepening relationships with key and potential clients to drive revenue growth.
- Exceeded annual revenue targets by 21% through proactive portfolio growth and cross-selling of banking products.
- mproved loan approval turnaround time by 25% through efficient documentation and coordination with credit teams.
- Achieved sales targets across liabilities, CASA, cash management, credit cards, and retail banking products.
- Managed and serviced a high-value client portfolio, ensuring strong engagement, retention, and cross-selling of relevant solutions.
- Identified customer needs and provided tailored financial products to maximize wallet share and customer satisfaction.
- Coordinated with internal teams for smooth onboarding, documentation, and service resolution while ensuring full compliance.
Relationship Manager
Mkombozi Commercial Bank Plc
Dar es Salaam
02.2024 - Current
- Successfully managed a portfolio valued at Tzs 181 Billion, improving overall profitability and reducing delinquency rates.
- Built business by acquiring new customers and deepening relationships with key and potential clients to drive revenue growth.
- Achieved sales targets across Risk asset, Liabilities, cash management, credit cards, and retail banking products.
- Managed and serviced a high-value client portfolio, ensuring strong engagement, retention, and cross-selling of relevant solutions.
- Identified customer needs and provided tailored financial products to maximize wallet share and customer satisfaction.
- Coordinated with internal teams for smooth onboarding, documentation, and service resolution while ensuring full compliance.
Relationship Manager
United Bank for Africa (Tanzania) Ltd
DAR ES SALAAM, TANZANIA
06.2023 - 02.2024
- Aggressively marketing Banks products to ensure favorable market response and optimum built up of revenue.
- Identified customer needs, developed customized solutions, and provided knowledgeable advice to maintain effective relationships with new and existing client.
Relationships Officer
DCB Commercial Bank Plc
DAR ES SALAAM, TANZANIA
07.2018 - 06.2023
- I managed an asset portfolio of Tzs 25.0 Billion of high net worth individuals.
- I was able to grow a quality asset portfolio by 2 Billion and Liability portfolio by 3 Billion through providing the best financial solution to the customer.
- I succeeded to increase income in personal banking portfolio by 3 Billion in the year 2022.
- I Brought 5 new institutions in the year 2022, to mention few (SOS Children's Villages Tanzania, MDH, APH, and University of Dar es Salaam).
- Accessibility of loans to women in Dodoma municipality. (A case of PRIDE Tanzania)
- Violence against women in Morogoro municipality, A case of TAWLA (Tanzania Women Lawyer's Associations
- I prepared portfolio movement reports and took actions to any abnormalities observed to ensure PER is managed within the Bank and regulator standards.
- Promoted and cross sell various CASA products offered by the bank to institutions and customer, aiming to attract low cost deposits.
- I managed to provide trade finance solutions to our customer (i.e. MSHALE TANZANIA, KURINGE, and LUMUCONS) for different projects from TANESCO, TTCL, and AIRTEL.
- Prospects for new customers through existing leads, referrals, cold calling etc. and maximizing lead generation.
- I conducted several customer engagements in public forums, focus group and workshop to identify customer needs, building and strengthen relation and create royalty.
- Reconciled customer and suspense account
Credit Officer
DCB Commercial Bank Plc
DAR ES SALAAM, TANZANIA
02.2017 - 07.2018
- I provided high quality personal services to customers.
- Worked with a support of the Credit Supervisor on all credit matters and on the loan Portfolio Management.
- Received Customers Loan Applications and Analysis of customer's loan/credit applications.
- Visited potential customers and assess their credit worthiness.
- Analyzed financial statements and report on the financial strengths/weaknesses of a customer.
- Advised the customers of the fate of their loan applications i.e. Letter of offer for approved loans or rejection letters.
- Performed Loan disbursement in the core banking system.
- Performed Loan monitoring by ensuring loan installments are paid on time basing on the loan contract agreement.
- Identified non-performing accounts with irregularities and proactively follow-up to ensure corrective action taken in line with credit policy.
Operation Officer
DCB Commercial Bank Plc
DAR ES SALAAM, TANZANIA
03.2015 - 02.2017
- Guided prospective customers who came over the counter for enquiries.
- Coordinated all counter activities while ensuring that quality service is provided to customers.
- Posting Transactions.
- Scrutinized internal vouchers to ensure that they are properly drawn and authorized in line with the approval limits.
- Handle Foreign Exchange Transactions.
- Correspond with Cards custodians on issues relating to ATM cards, check reports in order to solve customer complaints.
- Comply with the Policies and standards, Local laws and Regulations, Controls and Procedures of the Bank.
- Report Suspicious Transactions.
- Complied with Money Laundering Prevention as per Bank Policy, Know your customer KYC/ Customer due diligence (CDD).
- Prepare banks reconciliation statement timely and accurately.
- Reconcile and cleared all suspended transactions.
Project Supervisor (data Entry)
Infinity Communication Ltd
DAR ES SALAAM, TANZANIA
05.2011 - 11.2012
- Supervised data entry personnel.
- Solved data entry personnel's issues.
- Wrote reports for managerial use.
- Acted as an intermediary entry between personnel and management.
Sales Executive
Vodacom Tanzania Ltd
DAR ES SALAAM, TANZANIA
12.2009 - 03.2011
- Exceeded sales goals and improved profitability by aligning sales strategies and business plans with market trends.
- Retained clients and obtained referrals by promptly resolving customer complaints, providing value and promoting quality.
- Tracked and analyzed weekly sales reports, implemented corrective action plans and streamlined sales operations.
- Created and delivered sales presentations demonstrating value through cost reduction, ROI and customer satisfaction.
- Addressed customer concerns immediately and promptly resolved issues to boost client satisfaction.
- Created new sales tools and processes to help staff members improve customer service offerings.
- Preparing daily and monthly reports for managerial use.
Education
Master of Science - Marketing Management
MZUMBE UNIVERSITY
DAR ES SALAAMBachelor of Arts - POPULATION AND DEVELOMPENT PLANNINGG
INSTITUTE OF RURAL DEVELOPMENT PLANNING
DODOMASkills
- Relationship Management
- Good knowledge of banking business and its dynamics
- Good interpersonal and communication skills
- Positive attitude towards change and competition
References
- Dorice Mawole, Branch Manager, DCB Commercial Bank Plc, P. O Box 19798, +255 658 555 080, dmawole@dcb.co.tz
- Dr Adam O Karia, PHD, Rector, Ministry of Water, Water Institute-WI, P. O Box 35059, +255 787 483 903, adamkaria03@gmail.com
Timeline
Relationship Manager
Mkombozi Commercial Bank Plc
02.2024 - Current
Relationship Manager
Mkombozi Commercial Bank Plc
02.2024 - Current
Relationship Manager
United Bank for Africa (Tanzania) Ltd
06.2023 - 02.2024
Relationships Officer
DCB Commercial Bank Plc
07.2018 - 06.2023
Credit Officer
DCB Commercial Bank Plc
02.2017 - 07.2018
Operation Officer
DCB Commercial Bank Plc
03.2015 - 02.2017
Project Supervisor (data Entry)
Infinity Communication Ltd
05.2011 - 11.2012
Sales Executive
Vodacom Tanzania Ltd
12.2009 - 03.2011
Master of Science - Marketing Management
MZUMBE UNIVERSITY
Bachelor of Arts - POPULATION AND DEVELOMPENT PLANNINGG
INSTITUTE OF RURAL DEVELOPMENT PLANNING