Summary
Overview
Work History
Education
Skills
Language and Trainings
Additional Information
Languages
Timeline
Generic

MAWAZO LUCHAGULA

ARUSHA

Summary

Results-oriented finance professional with over 8 years of experience in commercial banking, SME investment, and financial advisory. Expertise in relationship management, credit analysis, project finance, and strategic investment support. Progressed from Relationship Officer to Relationship Manager to Branch Manager at Bank of Africa (Tanzania), focusing on client relationship management, credit risk evaluation, and branch leadership. Currently excelling as a Relationship Manager at First Housing Finance (Tanzania) Ltd, specializing in housing finance, customer portfolio growth, and tailored financial solutions. Also serving as a part-time Business Development and Transactional Advisory Board Member with Goldstone Consulting, providing strategic guidance on investment structuring, business growth, and deal execution. Holds a Bachelor’s degree in Economics and Finance from the Institute of Accountancy Arusha, and is currently finalizing a Master’s degree in Project Planning and Management. Completed professional training in Credit Risk Management and Financial Analysis from AFC Consulting International in 2018.

Overview

9
9
years of professional experience

Work History

Relationship Manager

First Housing Finance Limited
01.2025 - Current
  • Built and maintained relationships with new and existing clients while providing expertise.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Achieved goals for the sale of Mortgage products and services and exceeded performance metrics for customer service during Q1 of my employment with the company.
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
  • Built and maintained relationships with new and existing clients while providing high level of expertise.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Maintained open lines of communication with stakeholders at all levels of the organization, fostering a culture of transparency and accountability.
  • Utilized advanced financial analysis techniques to accurately assess client needs.

Investment Manager

SME Impact Fund Tanzaia Limited
01.2022 - 12.2024
  • Providing High Quality Service to the SME Impact Fund Clients and Managing high Quality Portfolio by conducting in depth assessments and screening.
  • Formulating High Quality Investment Proposals and Presenting the Proposals to the Investment committee.
  • Drafting Outstanding loan Proposals and Ensuring adequate and timely repayment of Installments.
  • Generating new leads to support SIF's portfolio growth, this includes developing and maintaining new relationships with relevant actors, initiate pipelines activities as well as setting up new clusters.
  • Performing Investment Analysis and assessments of credit Worthiness of potential companies that can be nominated for Investment by SME impact Fund.
  • Executing and Formalizing the investment committee decisions by fulfilling all conditions set by the Investment committee and preparing all documentation and contracts needed for disbursement.
  • Monitoring and following up all investee companies on both financial and social indicators by checking repayments, Examining and updating of the financial position of the client, business and Family Visit.

Branch Manager

Bank Of Africa Tanzania
05.2020 - 12.2021
  • Prepared the Branch Budget and Strategy and ensure Profitability of the Branch.
  • Established and developed sales opportunities to achieve Targets and meet customers' Expectations.
  • Managed customer accounts, term deposit and advise walk in clients on the various accounts and facilities
  • Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
  • Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
  • Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
  • Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
  • Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.

Relationship Manager

Bank Of Africa Tanzania Limited
04.2018 - 04.2020
  • Participated in industry events and trade shows to promote products and services.
  • Evaluated and negotiated contracts to procure favorable financial terms.
  • Establish and develop sales opportunities to achieve targets and meet customers' Expectations.
  • Build and Improve the quality of business and retail and corporate clients.
  • Make regular customer Visits to retain existing clients and build Loyalty.
  • Prepare and analyze credit applications for presentation to the department.
  • Developed customer surveys to measure customer satisfaction and identify areas of improvement.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.

Relationship Officer

Bank Of Africa Tanzania Limited
08.2016 - 04.2018
  • Build and Improve the quality of business and retail clients.
  • Signing of MOU to boost and increase customer base in the region.
  • Providing customer Balances, Cross-selling of the Bank products to existing and walk in customers.
  • Preparation of weekly and monthly sales pipelines and reports as well as participating in trade fair and exhibitions to promote the Bank products.
  • Monitoring the overstepping reports and advising the Bank accordingly.
  • Monitored, followed-up and escalated cases to meet customer response commitments.
  • Increased loan approvals by diligently assessing creditworthiness and recommending suitable lending options.

Education

Bachelor of Science - ECONOMICS AND FINANCE

Institute of Accountancy Arusha
Arusha
11.2015

No Degree - ECONOMICS, COMMERCE AND ACCOUNTANCY

AZANIA SECONDARY SCHOOL
DAR ES SALAAM
02.2012

Associate of Arts - COMMERCIAL ARTS (ORDINARY LEVEL EDUCATION)

UMBWE SECONDARY SCHOOL
KILIMANJARO
09.2009

No Degree - PRIMARY SCHOOL EDUCATION

ILOLANGULU PRIMARY SCHOOL
GEITA
09.2005

Skills

  • Financial projection expertise
  • Business Development
  • Corporate financial analysis
  • Customer requirement analysis
  • Financial Reporting and Analysis
  • Skilled in data-driven decision making
  • Consultative Selling
  • Excellent Team Leadership
  • Excellent Communication Skills
  • Professional Relationships

Language and Trainings

  • Fluent in Both Writing and speaking Kiswahili and English Language.
  • Attended credit risk Management conducted by AFC Consulting International.The Training covered Credit related risks, Financial Analysis and Interpretation and Credit Management.
  • Operational and Digital risk Training conducted by GROUPE BMCE BANK OF AFRICA TANZANIA LIMITED.
  • SME Empowerment and Financial Management for SMEs Conducted by United Nations Industrial Development Organizations.

Additional Information

REFERENCES
1. Sibusiso Bafana Sibandze
Director of Operations and Institutional Development – ECSA-HC
Mobile: +255 743 998 217
Email: s_sibandze@ecsa-hc.co.tz
2. Ally Jamal Singoi
Zonal Manager – Tanzania Agricultural Development Bank, Zanzibar
Mobile: +255 767 198 769
Email: ally.jamal@tadb.co.tz
3. Christine Addo Ngatunga
Customer Relationship Manager
Mobile: +255 767 034 304
Email: christine.ngatunga@boatanzania.co.tz

Languages

Swahili
Native language
English
Proficient
C2

Timeline

Relationship Manager

First Housing Finance Limited
01.2025 - Current

Investment Manager

SME Impact Fund Tanzaia Limited
01.2022 - 12.2024

Branch Manager

Bank Of Africa Tanzania
05.2020 - 12.2021

Relationship Manager

Bank Of Africa Tanzania Limited
04.2018 - 04.2020

Relationship Officer

Bank Of Africa Tanzania Limited
08.2016 - 04.2018

Bachelor of Science - ECONOMICS AND FINANCE

Institute of Accountancy Arusha

No Degree - ECONOMICS, COMMERCE AND ACCOUNTANCY

AZANIA SECONDARY SCHOOL

Associate of Arts - COMMERCIAL ARTS (ORDINARY LEVEL EDUCATION)

UMBWE SECONDARY SCHOOL

No Degree - PRIMARY SCHOOL EDUCATION

ILOLANGULU PRIMARY SCHOOL

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MAWAZO LUCHAGULA