Summary
Overview
Work History
Education
Skills
Personal Information
References
Hobbies and Interests
Accomplishments
Affiliations
Training
Timeline
Generic

Jonathan Bitababaje

Dar es Salaam

Summary

Dynamic and results-driven banking professional with over 18 years of experience spanning SME banking, credit management, product development, and strategic leadership. Proven expertise in designing and executing sector-focused strategies including impactful contributions to artisanal and small-scale mining (ASGM) financing through credit guarantee schemes and tailor-made banking products.

Currently serving as Products & Channels Manager – SME Business at NBC Bank, where I have regularly been entrusted with full SME leadership responsibilities during the absences of the Head of SME (when on leave or on business trips), a testament to my trusted oversight and strategic acumen. I lead initiatives such as the NBC Business Club, NBC Microfinance Sector development and management, and SME sector transformation efforts in collaboration with institutions like the International Finance Corporation (IFC).

Skilled at driving inclusive growth through customer-centric solutions, cross-sector engagement, and stakeholder partnerships. Adept at navigating regulatory environments, coaching high-performing teams, and enhancing financial empowerment for underserved clients including Microfinance Institutions, SACCOS, and mining-sector entrepreneurs. I am fluent in English and Swahili languages and fully aligned with the demands of the Relationship Manager –Mining Business role. Knowledgeable Relationship Manager with history of managing teams and driving operational success. Skilled in implementing strategic initiatives that enhance productivity and efficiency. Demonstrated ability in problem-solving and decision-making.

Overview

24
24
years of professional experience

Work History

Products & Channels Manager – SME Business

National Bank of Commerce Ltd (NBC), Tanzania
Dar Es Salaam
12.2019 - Current
  • Spearheaded strategic product development and digital transformation for SME banking including development of a specific Business Account for Microfinance Institutions, Internet Banking revamp, Arts and Culture sector loan facilities.
  • Managed SME asset & liability product strategies, trade finance, and digital campaigns through capacity building trainings to SME customers where more than 8,000 SME customers benefited from the training.
  • Provided product governance, profitability oversight, training, and risk management.
  • Entrusted with full SME leadership responsibilities across the bank during absences of the Head of SME (while on short leave, annual leave, or business trips), leading SME strategy execution, team oversight, customer relationship management, and cross-functional coordination.
  • Management of business continuity, performance delivery, and seamless stakeholder engagement across the SME division.

Business Development & Support Manager – SME Banking

National Bank of Commerce Ltd (NBC), Tanzania
Dar Es Salaam
10.2011 - 11.2019
  • Led a team of 25 Relationship Officers, driving SME portfolio growth by 33% and service excellence.
  • Implemented compliance, credit quality, and customer acquisition strategies where I brought in 1,800 New to Bank SME customers through Relationship Officers.

Collections Officer – Retail Credit Department

National Bank of Commerce Ltd (NBC), Tanzania
Dar Es Salaam
05.2009 - 10.2011
  • Handled delinquent account processes, litigation management, and provisioning
  • Ensured timely recovery actions to minimize risk on VAF, OD and Term Loan accounts with 40% improvement of portfolio quality.
  • Ensured close monitoring of attorneys who handled court cases on behalf of the Bank.
  • Monitored and submitted Advocates` and Valuation reports punctually to Management for timely instructions.
  • Managed and controlled proper classification and provisioning of delinquent accounts with 34% quality improvement of the delinquent portfolio.
  • Used diary effectively and updated information and actions taken on follow up Cards.
  • Kept track of statutory notices, and foreclosure actions.
  • Ensured that all defaulters are on the Bank’s blacklist and also reports them to the CCIB.
  • Ensured optimal utilization of Branch staff to assist where possible with recovery actions.
  • Ensured that land rent and insurance premiums on nonperforming accounts are paid.
  • Ensured that a representative from the Bank is always present at auctions.
  • Monitored repayment arrangements and ensured compliance.
  • Monitored over-lines on a daily basis and reported anomalies to Management.
  • Ensured that all loan payments are up to date and reported accounts in arrears to the Head of the Directorate.
  • Worked through monthly exception reports and reported to the Head of the Directorate before deadline.

Project Accountant

World Vision Tanzania
Kagera
04.2006 - 10.2007
  • I provided overall responsibility of the finance function at the project including provision of leadership in ensuring adequate financial accountability and stewardship in all projects operations, projects reliability and accuracy of financial reports, provision of analytical information to project management decision making, policy implementation and safeguard of assets.
  • I managed budgeting, financial reporting, and donor compliance for development projects which resulted to donor increasing 20% of 2006/2007 annual project budget.
  • Checked all project Payment requests with a view of enforcing internal controls for all payments including payroll.
  • Reviewed all Cash Disbursement Vouchers (CDV), Journal Vouchers and Deposit vouchers as per accounting procedures.
  • Custodian of all accounting records at the project and ensuring their existence.
  • Prepared Monthly and Quarterly project Financial Reports timely and accurately and provided relevant interpretation for project management decision making. This resulted to donors increase following years annual sponsorship budget by 20%.
  • Provided lead in the preparation of project budgets, Cash flows and Funding Requests.
  • Monitored and controlled of project budgets to avoid overspending and gross under spending.
  • Facilitated the project's Audit process and financial reviews and providing a lead in generating management responses to such audits and reviews.
  • Reviewed inventory records including stores records to ensure accuracy, completeness and minimizing risk of losses.
  • Prepared bank reconciliation statements as per finance procedures.
  • Technical advice to project management on all financial related matters of the project, including capacity building to project staffs on financial policies, procedures and internal controls.
  • Analyzed and interpreted Project Financial Reports, audit reports and review reports for management decision making.
  • Ensured periodic backups of Sun-systems were made in the most convenient and safe way.
  • Facilitated the periodic stock taking and assets count processes at the project on a quarterly basis.
  • Prepared LPOs for the Project Coordinator’s final approval.
  • Enforcing the adherence to organization policies/manuals in all project activities.
  • Managed project budgets, ensuring compliance with financial policies and guidelines.
  • Prepared accurate financial reports for stakeholders, enhancing transparency and decision-making.
  • Supported audit processes by organizing documentation and addressing inquiries efficiently.
  • Collaborated with cross-functional teams to streamline accounting procedures and improve workflow efficiency.
  • Monitored project expenditures, identifying discrepancies and recommending corrective actions promptly.
  • Assisted in the development of financial forecasts, contributing to strategic planning efforts.
  • Implemented tracking systems for project costs, improving accountability and reporting accuracy.

Customer Relations Service Secretary (CRSS)

World Vision Tanzania
Singida
06.2001 - 04.2002
  • Effectively and efficiently facilitated Implementation of program development and sponsorship at the project level to ensure that communities are empowered for sustainable development and they contribute to child well-being outcome as per World Vision's standards.
  • Communicate World Vision's Christian ethos and demonstrate a quality of spiritual life that is an example to others.
  • Supported child sponsorship programs and stakeholder communications
  • Innovatively supported communities including Registered Child’s (RC) households to participate and benefit from the program development and make intentional inclusion of RC families in programmer’s economic activities
  • Sensitized community on sponsorship (RC parents/ guardians, community leaders and other community members) and facilitate participation in the sponsorship management project activities
  • Mobilized and facilitated active participation of children and their communities to participate in planning, monitoring and implementation and evaluation of community development initiatives.
  • Built the capacity of children, families and community to collectively engage local leaders on identified issues.
  • Followed up on commitments by leaders on improvement of the wellbeing of children in their communities.
  • Mobilized communities to participate in annual children care and protection days – such as the Day of African child.
  • Managed relationships with Registered Children in line with partnership standards.
  • Supported Registered Children to correspond with sponsors in a timely manner.
  • Facilitated processing of all special mails, Christmas cards, Spontaneous letters, Annual Progress Reports, introductory letters within partnership standard.
  • Supported children to respond to sponsors correspondences, Sponsor letters and introductory letters.
  • Supported management of Support Office Queries, Gift Notifications, mails, and file copies of correspondences in children’s files.
  • Conducted and produced quality periodic mailings, Annual Progress Report (APR) and Christmas Cards.

Education

MBA - Corporate Management

Mzumbe University, DSM Business School
Tanzania
10.2014

Advanced Diploma - Accountancy (ADA)

College of Business Education (CBE)
Tanzania
06.2005

A-Level (Advanced Certificate) -

Nsumba High School
Tanzania
01.2001

O-Level (Certificate of Secondary Ed.) - Science

Rulenge Secondary School
Tanzania
11.1998

Skills

  • Microsoft Office Suite (Word, Excel, PowerPoint, Access, Outlook)
  • Flex cube Oracle, Sun Systems
  • Internet research and business communications
  • Relationship & Stakeholder Management
  • SME Product Development & Channel Optimization
  • Strategic Planning & Financial Analysis
  • Digital Banking Solutions
  • Staff Training & Coaching
  • Risk & Compliance Oversight

Personal Information

English
Swahili

References

Available upon request

Hobbies and Interests

Reading strategic business content, Jogging & evening walks, Playing musical instruments

Accomplishments

  • NBC Business Club Initiative
  • Microfinance Sector Strategy & Development
  • Credit Guarantee Scheme for Small Miners
  • Strategic and Operational Impact
  • IFC-Supported SME Revamp Project

Affiliations

Member, Tanzania Institute of Bankers (TIOB) since 2009

Training

  • Corporate Protocol & Government Relations – Mozambique-TZ CFR (2021)
  • Frontline Sales Training – IFC (2019)
  • Credit Risk Boot Camp – Leap Leadership & Barclays Africa (2017)
  • Sales 101 Africa ToT – Absa Group (2016)
  • Non-Life Insurance Training – NBC & MTICL (2015)
  • Investment in Excellence – Pacific Institute, South Africa (2012)

Timeline

Products & Channels Manager – SME Business

National Bank of Commerce Ltd (NBC), Tanzania
12.2019 - Current

Business Development & Support Manager – SME Banking

National Bank of Commerce Ltd (NBC), Tanzania
10.2011 - 11.2019

Collections Officer – Retail Credit Department

National Bank of Commerce Ltd (NBC), Tanzania
05.2009 - 10.2011

Project Accountant

World Vision Tanzania
04.2006 - 10.2007

Customer Relations Service Secretary (CRSS)

World Vision Tanzania
06.2001 - 04.2002

MBA - Corporate Management

Mzumbe University, DSM Business School

Advanced Diploma - Accountancy (ADA)

College of Business Education (CBE)

A-Level (Advanced Certificate) -

Nsumba High School

O-Level (Certificate of Secondary Ed.) - Science

Rulenge Secondary School

Similar Profiles

CREATE PROFILE
Jonathan Bitababaje