Summary
Overview
Work History
Education
Skills
Projects
Volunteer Experience
References
Languages
Timeline
Generic

JOVIAN JONATHAN KOMBE

Malindi

Summary

Dynamic Credit Officer and part-time Operations Manager with over five years of experience in microfinance, banking, and financial program development. Currently serving full-time at both Tanzania Growth Trust (NGO) and its subsidiary, TGT Microfinance Ltd, applying deep expertise in credit systems, operational compliance, recruitment, and stakeholder coordination. Committed to advancing financial inclusion and institutional growth across Tanzania and Zanzibar.

Overview

7
7
years of professional experience

Work History

Operations Manager (Part-Time)

Justina Microfinance Ltd
Dar es Salaam
03.2025 - Current
  • Supervise operational workflow and service delivery performance.
  • Maintain regulatory compliance, including monthly TRA filings.
  • Oversee internal licensing processes with BOT.
  • Support the recruitment and onboarding of Credit Officers.
  • Oversee daily operations to ensure efficient workflow and compliance with policies.
  • Facilitating staff meetings to discuss goals, challenges, and best practices regularly.
  • Developing and implementing operational procedures to ensure that quality standards are met.
  • Analyzing data from daily reports to identify trends in production performance metrics.
  • Implementing policies, standard operating procedures, and managing quality, customer service, and logistics.

Credit Officer

Tanzania Growth Trust (NGO) & TGT Microfinance Ltd
Zanzibar
02.2020 - Current
  • Hold full-time dual responsibilities across both entities
  • Manage loan applications, client assessments, and credit portfolio health
  • Lead and participate in recruitment processes for Credit Officers
  • Drafted comprehensive credit policies for both institutions
  • Coordinate TRA monthly return filing for both organizations
  • Facilitate licensing processes with the Zanzibar Ministry of Finance and BOT
  • Deliver financial literacy training to underserved communities
  • Achieved a sustained loan recovery rate above 95%

Intern – Operations & Credit Department

TPB Bank (now TCB Bank)
Ilala
04.2018 - 07.2019
  • Supported loan processing, documentation, and client consultations
  • Enhanced application turnaround by streamlining workflows
  • Assisted in credit file management and daily reporting tasks
  • Assisted in customer service inquiries and resolved client account issues.

Education

Bachelor of Public Administration - Social Sciences

Kampala International University
Tanzania
12-2017

Advanced Certificate of Education - History, Economic, Entrepreneurship and History

St Johns Senior Secondary School
Mukono, Kampala
12-2011

Certificate of Secondary Education - Arts

Sinon Secondary School
Arusha, Tanzania
10-2008

Skills

  • Credit & Risk Analysis
  • Compliance & Regulatory Reporting
  • Operational Oversight
  • Recruitment & Onboarding
  • Training Facilitation
  • Stakeholder Engagement
  • Client relationship management
  • Policy implementation
  • Systems implementation
  • Staff management

Projects

Co-authored credit policy frameworks for both TGT and Justina Microfinance Monthly TRA returns filing process for all institutions Initiated and supported recruitment drives for Credit Officer roles Managed follow-ups for licensing with BOT and the Zanzibar Ministry of Finance

Volunteer Experience

  • Led financial literacy sessions for community savings groups
  • Mentored youth and interns on financial career pathways
  • Coordinated outreach efforts with TGT’s community initiatives

References

  • Joan Magori, Branch Coordinator, Tanzania Growth Trust, +255753495859, joan.magori@tgt.or.tz
  • Njunwa Mwijage, Branch Manager, TCB Bank, +255768790589, njunwa.mwijage@tcbbank.co.tz
  • Grace Bingileki, CEO, Tanzania Growth Trust, +255713509498, grace.bingileki@tgt.or.tz

Languages

Kiswahili
First Language
English
Elementary (A2)
A2

Timeline

Operations Manager (Part-Time)

Justina Microfinance Ltd
03.2025 - Current

Credit Officer

Tanzania Growth Trust (NGO) & TGT Microfinance Ltd
02.2020 - Current

Intern – Operations & Credit Department

TPB Bank (now TCB Bank)
04.2018 - 07.2019

Bachelor of Public Administration - Social Sciences

Kampala International University

Advanced Certificate of Education - History, Economic, Entrepreneurship and History

St Johns Senior Secondary School

Certificate of Secondary Education - Arts

Sinon Secondary School

Similar Profiles

CREATE PROFILE
JOVIAN JONATHAN KOMBE