OMARY SAID CHIGUMA
Dodoma
Summary
A highly accomplished and results-driven professional with over a decade of expertise in banking, credit management, relationship building, and corporate leadership. Currently serving as Managing Director of a construction company, I bring a proven track record of driving business growth, managing high-value portfolios, and leading cross-functional teams to success. My goal is to leverage my strategic, financial, and operational skills to deliver sustainable value, expand market share, and uphold the highest standards of professional integrity.
A highly accomplished and results-driven professional with over a decade of expertise in banking, credit management, relationship building, and corporate leadership. Currently serving as Managing Director of a construction company, I bring a proven track record of driving business growth, managing high-value portfolios, and leading cross-functional teams to success. My goal is to leverage my strategic, financial, and operational skills to deliver sustainable value, expand market share, and uphold the highest standards of professional integrity.
Overview
13
13
years of professional experience
Work History
Managing Director
Ozin Group Limited
09.2024 - Current
- Provide strategic leadership and overall direction for the company, ensuring sustainable business growth and profitability in the construction sector.
- Oversee the planning, execution, and delivery of multiple construction projects, ensuring adherence to timelines, budgets, and quality standards.
- Develop and implement business strategies, operational policies, and long-term growth plans for the company.
- Manage relationships with key clients, government agencies, suppliers, and industry stakeholders to secure business opportunities.
- Supervise project managers, engineers, and administrative staff, ensuring alignment with corporate goals.
- Establish and enforce safety protocols and compliance with all relevant legal and regulatory requirements.
- Drive business development initiatives to expand the company's market share and diversify service offerings.
- Approve budgets, financial reports, and investment decisions, ensuring effective resource allocation.
- Negotiate contracts, agreements, and partnerships to maximize company profitability.
- Monitor industry trends, competitor activities, and emerging technologies to maintain a competitive edge.
Zonal Relationship Manager - Corporate & SME
CRDB Bank Plc
01.2017 - 01.2024
- Led and coordinated all relationship management and business development activities across the assigned zone, overseeing multiple branches and a large portfolio of SME and corporate clients.
- Developed and implemented zonal business strategies aligned with the bank's corporate growth objectives.
- Maintained strong relationships with key clients, ensuring satisfaction, retention, and long-term engagement.
- Actively prospected and acquired new business clients through targeted outreach, networking, and relationship building.
- Oversaw the performance of branch-based relationship managers, providing guidance, coaching, and support to ensure achievement of targets.
- Conducted regular client visits to better understand needs and offer tailored financial solutions.
- Coordinated with credit and operations departments to ensure smooth processing of facilities and services for clients.
- Monitored client accounts and portfolios to identify opportunities for cross-selling and risk mitigation.
- Reviewed and analyzed market trends within the zone to anticipate client needs and competitive pressures.
- Ensured adherence to bank policies, credit standards, and compliance requirements across all branches in the zone.
Senior Credit Quality Assurance Officer
CRDB Bank Plc
01.2017 - 12.2017
- Conducted scheduled and ad hoc credit inspections for corporate departments and zonal branches.
- Prepared detailed credit review reports and presented findings to senior management for strategic decisions.
- Monitored compliance with credit policies, lending manuals, and pre-disbursement conditions.
- Verified the accuracy of booked limits, pricing, tenors, and other facility terms.
- Inspected the completeness and proper filing of credit documentation at branch level.
- Identified and reported potential credit malpractices or fraudulent activities.
- Reviewed statutory and legal documents, such as valuation reports, licenses, TIN, and tax clearance certificates, for authenticity.
- Ensured timely delivery of demand notices in accordance with the bank's policies.
- Followed up with branches on implementation of corrective measures after reviews.
- Collaborated with zonal managers and branch managers to resolve credit-related challenges.
Credit Analyst - SME & Mid Corporates
CRDB Bank Plc
01.2015 - 01.2017
- Analyzed credit data and financial statements to assess risk levels of potential and existing borrowers.
- Prepared detailed credit analysis reports and recommendations for loan committee approval.
- Conducted due diligence by reviewing client credit histories, earnings, and repayment capabilities.
- Generated and interpreted financial ratios to evaluate the financial health of clients.
- Compared borrower performance against industry benchmarks and geographic trends.
- Completed loan application files, ensuring all necessary documentation and risk assessments were included.
- Reviewed delinquent accounts and recommended appropriate recovery or restructuring strategies.
- Liaised with credit associations and industry peers to exchange relevant credit information.
- Provided guidance to relationship managers on structuring credit facilities.
- Maintained high-quality credit records and compliance with regulatory standards.
SME Account Manager
CRDB Bank Plc
01.2013 - 01.2015
- Managed a portfolio of SME and corporate clients, ensuring business growth and account profitability.
- Analyzed financial statements to assess creditworthiness of clients applying for facilities.
- Solicited deposits from clients to meet branch and bank deposit targets.
- Reviewed and ensured proper execution of legal documents for approved loans.
- Acted as custodian of security documents for branch credit facilities.
- Monitored daily account reconciliations and ensured outstanding transactions were resolved.
- Prepared regular reports on portfolio performance and provided feedback to management.
- Collected and analyzed market intelligence to identify new opportunities and competitive trends.
- Developed strategies to acquire new clients and retain existing ones.
- Built and nurtured strong relationships with clients through regular interaction and support.
Relationship Manager
HSBC Bank
Pune
06.2012 - 12.2012
- Engaged in business development activities to acquire new clients and expand the bank's market share.
- Educated clients on the bank's products and services to increase cross-selling opportunities.
- Interviewed prospective clients to gather information for loan and credit applications.
- Conducted prequalification assessments and evaluated credit risks in line with bank policies.
- Visited client business sites to better understand operational and financial needs.
- Negotiated loan terms and conditions with clients to ensure mutual satisfaction.
- Coordinated loan approvals and processing to ensure compliance with agreements.
- Verified that all collateral and certification requirements were properly documented.
- Ensured timely loan disbursements in accordance with agreed conditions.
- Maintained accurate records of all client interactions and credit decisions.
Education
MSc. - Economics and Finance
University of Bradford
United KingdomBachelor of Business Administration - Finance
Bharati Vidyapeeth University
IndiaAdvanced Level Secondary Education -
Shaaban Robert Secondary School
TanzaniaOrdinary Level Secondary Education -
St. Anthony's Secondary School
TanzaniaSkills
- Zonal & Corporate Relationship Management
- Credit Analysis & Risk Assessment
- Portfolio Growth & Business Development
- Compliance & Credit Quality Assurance
- Loan Processing & Documentation Control
- Strategic Planning & Performance Monitoring
- Negotiation & Stakeholder Engagement
- Microsoft Office Suite & STATA
References
- Azmina Hemed Senior Manager Credit , CRDB Bank Plc, +068 251 5196 Azmina.Hemed@crdbbank.co.tz
- James Mabula, Director of Risk and Compliance, CRDB Bank Plc, ++255 754 947 462 James.Mabula@crdbbank.co.tz
- Boma.Rabala Chief Commercial Officer,CRDB Bank Plc,+255 754 820 154 ,Boma.Labala@crdbbank.co.tz
Languages
English
First Language
Timeline
Managing Director
Ozin Group Limited
09.2024 - Current
Zonal Relationship Manager - Corporate & SME
CRDB Bank Plc
01.2017 - 01.2024
Senior Credit Quality Assurance Officer
CRDB Bank Plc
01.2017 - 12.2017
Credit Analyst - SME & Mid Corporates
CRDB Bank Plc
01.2015 - 01.2017
SME Account Manager
CRDB Bank Plc
01.2013 - 01.2015
Relationship Manager
HSBC Bank
06.2012 - 12.2012
MSc. - Economics and Finance
University of Bradford
Bachelor of Business Administration - Finance
Bharati Vidyapeeth University
Advanced Level Secondary Education -
Shaaban Robert Secondary School
Ordinary Level Secondary Education -
St. Anthony's Secondary School
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