A certified digital payment professional with a track record on project management, product management and business development both on digital payments solutions and asset/liability products in financial services sector. A demonstrated experience in managing multiple internal and external stakeholders. I have served in different positions from talent management, training and facilitation, risk management, product management, credit skills, project management and digital payments products. I am a believer in bringing real life to digital to impact on how we bank, transact and make payments.
Hi, I’m
Stephen Jilala
Dar Es Salaam
Summary
Overview
10
years of professional experience
Work History
NMB Bank PlcDar Es Salaam
Manager; Prepaid & Credit Cards
03.2022 - Current
Job overview
- Drive credit card and Prepaid cards sales and cross sells bank products e.g
- Accounts, loans, mortgages, Digital products etc
- Support more than 260 branches in terms of sales across the entire bank’s network
- Trained on end-to-end credit and prepaid card application processes and sales process
- Coaching of relationship Managers, Direct sales representatives on performance
- Growing business to increase deposit, Interest Income and non-funded Income (NFI)
- Business Negotiation and Retention of both local and Global Multinationals companies
- Providing Marketing and Business Development support for best in class ATL and BTL to drive visibility and build strong portfolio as well as develop activation and spend offers.
NMB Bank PlcDar Es Salaam
Senior Product Specialist; Prepaid & Credit Cards
09.2018 - 02.2022
Job overview
- Developed prepaid and credit cards as additional product lines in card business
- Designed business requirement documentation, product set up, UAT strategy formulation and implementation, UAT results, piloting and go live strategy
- Wrote 10 processes in the card payments space covering all inherent risks as per Enterprise risk control framework
- Worked with ICT and innovation team to integrate payments with MNOs as cards can receive payments from all Mobile Network Operators (MNOs)
- Trained branch staff on product features and sales technique
- Launched Credit and Prepaid cards at NMB Bank together with MasterCard under the license of
- Bank of Tanzania (BoT)
- Grew credit card portfolio by 200 per cent in two years since launch date and increased prepaid card portfolio by 1540 per cent in two years and 8 months
- Defined customer value proposition for card payment products and the product life cycle management.
Barclays Bank TanzaniaDar Es Salaam
Retail Portfolio Manager
01.2017 - 08.2018
Job overview
- I assessed and recommended decisions about clients' credit applications using a range of criteria including the purpose of the application, credit viability, customer payment history, and customer creditworthiness
- Developed a self-employed customer value proposition for credit cards and launched successfully in collaboration with retail and marketing department
- Developed a retail mortgage loan product and launched successfully in collaboration with marketing department and other bank’s key stakeholders
- Developed collections strategies for early delinquencies for credit cards so that they don’t reach the default stage or roll forward to high risk profile
- Drive mortgage sales and cross sells bank products e.g
- Accounts, personal loans and credit cards
- Trained on end-to-end Salary Workers loan application processes and sales process
- Overseen the bank’s retail asset portfolio by ensuring that the loans are disbursed, used, and repaid as appraised
- This involves performing loan workouts for non-performing loans, developing inputs necessary for improving banks' portfolio performance ratios and ensuring the bank’s NPL ratio is within appetite and below regulatory thresholds of 5 per cent
Barclays Bank Tanzania LtdDar Es Salaam
Operation Risk and Credit Governance Manager
08.2015 - 12.2016
Job overview
- Credit Risk Governance and Operational Risk
- Provided advice and support to Key Risk Owners (KROs) in resolving governance concerns or in matters related to new governance and regulatory requirements
- Analyzed performance against set appetite targets and reporting to proactively improve the control environment with the goal to avoid expected loss
- Supported Chief of Risk (CRO) to coordinate the Risk Appetite and Stress Testing exercise for the
- Bank in close collaboration with the KROs (treasury and credit team)
- Reviewed the completion of the Risk Appetite and escalated breaches whenever occurs to relevant committees
- Reviewed all Credit mandates as documented in credit standard, Delegated Authority (DA) and adherence to Credit mandate and Credit Policy
- Insisted and reminded on site visits and review of call reports and ensuring vendors and business partners SLA’s are within agreed thresholds and are reviewed annually
- Assessed, challenged and monitored operational risk exposure for existing and new Products
- Supported the scoping and definition of related Operational Risk deliverables and plans, ensuring that these are aligned to the central Operational Risk calendar
- Assessed the relevance and performance of the Operational Risk indicators and defined thresholds
- Reviewed Key Risk Assessments (KRAs) for completeness
- Partnered with first line of defence and provided guidance on issues and documentation, tracking, escalation, and remediation of Operational Risk issues.
- Oversaw monthly loss event reconciliations and related attestations to ensure that all risk events and losses have been captured on the Operational Risk system
- Ensured full and accurate reporting of risk events by the Business and conducted post incident reviews and analyzed root causes to ensure learning points are identified and any necessary remedial action is implemented with a view to improving processes and reducing operational losses
- Ensured Operational Risk Management systems and tools are used, and that data is accurate, current and of good quality
Barclays Bank Tanzania Ltd
Coordinator; Learning, Leadership & Talents Mgt
02.2014 - 07.2015
Job overview
- Learning, Leadership and Talent Management Unit
- Conducted Training Needs Analysis (TNA) across business (retail, business banking, markets, treasury, Corporate and Investment Banking) by collaborating with the functional heads to identify appropriate learning solutions aligned to overall bank strategy
- Prepared training budget and presented to country management team (ExCo) for scrutiny and approval
- Coordinated andtrained newly recruited staff and tracked their learning development on a monthly basis
- Facilitated proposed and scheduled training such as products, selling skills, communication skills, power point and presentation skills and leadership programs
- Trained on end-to-end loan application processes and sales process
- Developed training materials and curriculum in collaboration with Subject matter Experts (SMEs) across all functions including core technical skills training, soft skills training and leadership training solutions
Education
University of Dar Es SalaamDar es Salaam Tanzania
Masters of Business Administration (MBA from Finance
11.2015
University Overview
University of Dar Es SalaamDar Es Salaam Tanzania
Bachelor of Science from Chemistry & Biology
12.2009
University Overview
Skills
- Business Development
- Project Management
- Lead Generation
- Sales and Marketing
- Customer Relationship Management (CRM)
- Verbal and Written Communication
- Complex Problem-Solving
- Policy and Procedure Development
- Negotiation
- Team Leadership
- Financial Management
Accomplishments
Accomplishments
- Prepaid card and credit card system functionality at NMB Bank plc in collaboration with MasterCard
- PTS (2019-2020)
- Portfolio Card Management Course (July 2023) with MasterCard Academy
- Principles of Lending by Tanzania Institute of Bankers (2015)
- Effective handling of Disciplinary Procedures for staff (Barclays Bank, 2016)
- Risk Management in Banking by Barclays Bank Tanzania (2016)
- IFRS9 Impairment model and Basel frameworks (Barclays Bank, 2017)
- Credit Appraisal & securities management (Barclays Bank Tanzania, 2017), Successfully designed, developed and launched Prepaid and Credit Cards at NMB Bank Plc with the support of MasterCard
- Successfully developed and launched customer value proposition for self-employed customers for asset products (Mortgages, Personal loans etc)
- Successfully coordinated stress testing exercise for re-capitalization of Barclays Bank Tanzania
- Certified as Digital Payments Professional from MasterCard Academy
References
References
REFERENCES
1. Philbert S. Casmir
Head of Cards NMB Bank Plc
Phone: +255 767 210 857
Email: philbert.casmir@nmbbank.co.tz
2. Oscar Mwamfwagasi
Chief Operations Officer (COO) Absa Bank Tanzania Ltd
Phone: +255 767 213 220
Email: oscar.mwamfwagasi@absa.com
3. Pamela Kieti
Head of Human Resources Bank of Africa (BOA)
Phone: +255 767 210 953
Email: pamela.kieti@boatanzania.comTimeline
Manager; Prepaid & Credit Cards
NMB Bank Plc
03.2022 - Current
Senior Product Specialist; Prepaid & Credit Cards
NMB Bank Plc
09.2018 - 02.2022
Retail Portfolio Manager
Barclays Bank Tanzania
01.2017 - 08.2018
Operation Risk and Credit Governance Manager
Barclays Bank Tanzania Ltd
08.2015 - 12.2016
Coordinator; Learning, Leadership & Talents Mgt
Barclays Bank Tanzania Ltd
02.2014 - 07.2015
University of Dar Es Salaam
Masters of Business Administration (MBA from Finance
University of Dar Es Salaam
Bachelor of Science from Chemistry & Biology
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