Renatus Mushi

• Member of Management team of the bank
• Building and leading the Research, Innovation & Development department focused on transformational business investment opportunities for the bank
• Accountable for Research; Projects & Programs Management; Products Improvements; Policies and Procedures Alignment; and Marketing functions of the bank
• Accountable for advocacy and safeguarding of the Policies of the bank.
• As a point of contact for all bank partners, partnerships and relationships.

ACHIEVEMENTS:

• Lead the development of the first ever five-year strategy of the bank.
• Developed 3 market driven microfinance products
• Wrote two successful funding proposal to facilitate agriculture & rural finance – approved & successfully operational.
• Improved all the bank products – for more market responsiveness.
• Review of all the bank policies – for more efficiency and alignment
• · Enhanced the image & visibility of the bank.

• Consulting & training on: Community Development, Agribusiness and Rural Development, Financial Inclusion, Microfinance, SME Finance, Project, Banking, Agriculture Finance and Rural Finance Management, Market Systems, Entrepreneurship, Public Private Partnerships, and other related Development & Financing Fields.

ACHIEVEMENTS:

• Worked on more than 10 projects on community development assignments – impacting more than 4,500 final beneficiaries

• Member of the bank management team accountable for the performance of the bank
• Overall in charge of Credit Department & Operations of the Bank
• In charge of Credit risk management of the bank.

ACHIEVEMENTS:

• Facilitated successful assessment and underwriting of more than 8,000 credit applications.
• Reduced credit risk of the bank by more than 60% - bring down the Portfolio at Risk Rate of the bank to single digit percentage, from more than 20%.
• Improved credit tools (policies and procedures), making them more demand driven, with proper balance between market needs and risk management.

• Member of the Senior executive board of the bank - Deputing the CEO.
• Director and in charge of the business and commercial activities and performance of the bank
• Provide direction and guidance towards achieving bank strategy, goals and objectives
• Driving engagements and partnerships with stakeholders and segment heads.

ACHIEVEMENTS:

• Successfully access of facilitated financial services to more than 40,000 Micro, Small and Medium Enterprises (MSMEs) - some of whom were previously excluded from financial services.
• Facilitated training of more than 1,000 MSME establishments, on financial literacy and business management.
• Restored the performance of the bank to profit making - from loss making business.

• Member of the Senior Management Team of the multicultural organization
• Deputing the Country Director.
• Head of Access to Finance function of the institution - facilitating the financing of the cotton sector value chain; through systemic approach

ACHIEVEMENTS:

• Mapped the landscape for smallholder finance in Tanzania
• Developed and launched a market systemic model to finance Smallholder farmers. As of 2021, the model had benefited more than 1,900 smallholder farmers - including about 900 women, most of whom were previously excluded from financial services.
• Developed strategy for financing different stages of the cotton value-chain
• Initiated partnership with three banks – to finance cotton sector.

• Supervising the governance of the MF institution
• Ensuring the the executive aligns with the strategies for the company
• Evaluating the performance of the CEO and the executive team

• In charge of the Agribusiness department of the bank - financing the agribusiness sector
• Management of all resources of the Agribusiness department

ACHIEVEMENTS:

• Wrote 2017-20 Agribusiness strategy of the bank
• Launched campaign for a multi-billion shilling four year Agribusiness strategy (AgriBiashara)
• Facilitating financial services to more than 500 agribusinesses.

• Management, coordination and monitoring of FSDT investments in Rural and Agriculture finance projects throughout the cycle - from origination to adoption and organic replication.
• Management of the multi donor funded and multicultural organization, coordinating different organizations of diverse cultures - particularly on the agribusiness and rural finance portfolio.
• Mainstreaming financial access and inclusion in rural and agriculture sector through systemic approach involving the government and private sector
• Scaling of Agriculture Weather Index Insurance through local insurance firms and financial institutions
• Leading capacity building agenda in facilitating access of financial services to the rural and agriculture sectors including to population financially excluded (the 'unbankables')
• Supporting policy analysis and strategic engagement on financial sector development to Agribusiness and rural market development stakeholders.

ACHIEVEMENTS:

• Worked with the public and private sector to facilitate funding of thousands of practitioners at different stages of agriculture value chains through various financial instruments and facilities.
• Provision of technical assistance in improving a number of agriculture finance products of different financial institutions.
• Through PPP, facilitated the funding of the first Commodity Exchange in the country
• Coordinated three major national surveys in finance, with relevance in Agribusiness finance; including AgFims - the national survey on demand and supply of financial services in Tanzania (first of its kind in Africa).
• Coordinated and managed portfolio valued at more than US$ 55 million – mostly in agriculture and rural sector.

• Management, coordination and monitoring of FSDT investments in SME finance projects - throughout the cycle from origination to adoption and organically replication
• Supporting in the mainstreaming of financial access and inclusion in the SME sector by systemic approach, through the government and private sector including banks and other financial institutions and intermediaries
• Providing specialist advice on SME finance to banks, other financial institutions and other partners engaged in FSDT's SME finance investments
• Facilitating policy analysis and advice to FSDT stakeholders on SME finance and related market development.

ACHIEVEMENTS:

• Facilitated delivery of financial services to more than 500,000 households – mostly rural SMEs
• Financed four market systemic projects supporting business development and financial inclusion – reaching to mostly women owned SMEs (still replicating).
• Facilitation of the first national survey of demand and barriers for financial services in Tanzania – FinScope Tanzania
• Facilitation of the first national-wide Small Business Surveys in Tanzania – Tanzania SME Survey

• Member of Senior Management Team of the Microfinance Institution (MFI)
• Head of the Operations department and business function of the Microfinance Institution - all Commercial and Credit functions of the institution

ACHIEVEMENTS:

• Developed women only loan product
• Opening four microfinance branches and getting them up and running from scratch
• Rescuing two microfinance branches which were at the brink of collapse
• Participating in the restructuring of the operations department.

• In charge of the business and operations of six branches under the zone

ACHIEVEMENTS:

• Administering and supervising the increasing of access of financial services by reaching out to more than 15,000 households, initially financially excluded
• Supervising business and financial management trainings to more than 8,000 individuals and businesses (MSME), through six branches.

• Established and communication daily priorities to guide team activities.
• Implemented operational improvements to reduce costs and drive revenue in alignment with corporate objectives.
• Forecasted operational needs and allocated resources to meet business demands.
• Supervised daily operations, acting as point of contact for any queries or obstacles.

• In charge of the branch - Planning, Supervising and managing all branch activities & resources

ACHIEVEMENTS:

• Introduction of formalized microfinance services in Zanzibar by facilitating the opening of the first ever microfinance institution in the isles
• Facilitated opening of the second microfinance branch in Zanzibar (Pemba)
• Facilitated access to finance and financial literacy to more than 800 women initially financially excluded.

• Recruiting clients in need of micro loans; facilitating access to non-traditional financial services, particularly to the 'unbankable' and monitoring of the loan portfolio

ACHIEVEMENTS:

• Facilitated the increasing of access of financial services - by reaching out to more than 1,500 households, initially financially excluded
• Facilitated business and financial management trainings to more than 1,000 individuals and businesses (MSME).

• Delivering agricultural extension services (including technical advice) to rural agriculture communities

ACHIEVEMENTS:

• Delivering cooperative advice to rural agriculture communities
• Trained 6 AMCOS on best practices of cooperative unions
• Guidance to women group of 75 members on irrigation scheme
• Facilitated Agriculture extension support to 12 villages, mostly in cashew-nut production.