Moses Moses

Dedicated Professional with 13years of experience and with track record of consistently delivering highest levels of performance. Tactful and dynamic professional offering great acumen in sales generation and customer relationship management. Knowledgeable in financial and credit analysis, credit modeling and market status monitoring. Also knowledge and experience working at three different Institutions with high level of performances EFC, Finca Microfinance Bank and Tujijenge Tanzania financial Services Ltd with achievement of being promoted to various position.

• 10/2023, Lastanza Financial Services Ltd, Credit Manager, Supervising Credit and Operation function Implementing policies and procedures related to Credit underwriting, Collection and Institution Operations. Analyze portfolio quality including PAR trends and take appropriate remedy action including recommending approval limits changes to Credit Risk, Policy and Pricing Committee Regulatory & Business Conduct Managing portfolio quality and loan approval Coordinating Credit reference Bureau including report submission and staff training.
• 07/2017 - 05/17/2023, Tujijenge Tanzania LTD, Credit Risk Manager, Tracking and Monitoring operating risk issues for business Units Provide a direction with minimum risk to the organization Treatment of risk in an efficient and effective manner by picking and applying measures to regulate and mitigate risk. Advising management on observed risk that can affect organization business. Coordinating Valuation and Car track suppliers Analyzing ,Evaluating and approving loans Risk analyzing through credit Bureau Collateral verification and perfection
• 06/2016 - 06/2017, Tujijenge Tanzania LTD, Recovery Manager, Strengthen capacity of a Branch staffs through continuous on the –job training and assessment coaching. Manager loan default and written off loans by undertaking daily to monthly analysis and reporting. Ensure monthly loan recovery plan has firmly implemented by loan recovery officer.
• 08/2015 - 05/2016, Tujijenge Tanzania LTD, Dar es salaam Zonal Manager, Ensure every credit Officers achieve his /her Target.. Training on Individual loans (Especially on SME Loans). Promoting business (Individual and Group loans). Portifolio growth and delinquency Management.
• 08/2014 - 07/2015, Entrepreneur Financial Centre (EFC), Credit risk Coordinator, Managing Risk team Ensure all file are analyzed and presented in the credit committee on time. Risk mitigation and recommendation. Training and coaching.
• 05/2013 - 07/2014, Entrepreneur Financial Center (EFC), Business loan Centre Manager, Portfolio management, growth and Delinquency management Business assessment, analysis and monitoring. Risk minimization and attending the credit committee for loan approval Marketing EFC product and creating awareness to clients and follow-up of overdue loans.
• 06/2010 - 04/2013, Finca Microfinance Bank, Business loan Supervisor (Acting manager) (Ilala Branch), Credit officer management. Ensure integrity of operation of the FINCA Tanzania Ltd. Develop and practice an integrated Risk Management. Implement and enforce the standards, policies and procedure necessary for the healthy management of operation. Develop and make the promotion of Team work. Monitor the competition and Management. Preparation of different reports such as Delinquency Report, Portfolio reports and performance report.
• 09/2009 - 09/2010, Finca Microfinance Bank, Credit officer (Morogoro Branch), Portfolio management in both delinquency and growth. Client screening, process, disbursement and Business monitoring. Ensure development of the market. Participate in promotion activities and client sensitization. Represent and promote Finca Tanzania Ltd in ensuring the protection of the image and corporate interests Minimize the Loan Risk by identifying any potential risk and managing recovery procedure to avoid any loss.

• Date of Birth: 02/25/82
• Gender: Male
• Nationality: Tanzanian
• Marital Status: Married

• Christina Mkundi, Legal Officer, Tujijenge Tanzania Financial Services Ltd, Dar es salaam, +255658525290, tinapius67@gmail.com
• Fauster Simon, Recovery Manager, Tujijenge Tanzania Financial services ltd, Dar-es-Salaam, +255672592478, fausters@tujijenge.or.tz
• Yessaya Lyimo, Finance Manager, K-finance Ltd, Dar es salaam, +255718276859, yessayalyimo@gmail.com