USSI NAHODA MAKAME
ZANZIBAR
Summary
I am energetic, ambitious person with more than 7 years’ experience in managing and leading teams within the Government Revolution of Zanzibar and United Republic of Tanzania. My first Engagement was Regional commissioner of census in North Unguja at the office of the chief Government statistician (OCGS) from JULY 2022. I am eager to learn; I enjoy overcoming challenges after being within the banking business for more than 5 years. I have a clear, logical mind with practical approach to problem solving and drive to see things through to completion. Currently appointed by Minister of Education in United Republic of Tanzania with President office of United Republic of Tanzania as Deputy Secretary General in Tanzania Higher Learning Institution Student(TAHALISO). I am willing to give total support to the organization that I am in, with knowledge and capability that I have, in order to achieve the organization’s goals and create mutual benefit with gaining the higher competitive advantages over the other organizations. SUMMARY OF QUALIFICATIONS.
Familiarity with both the artistic and the commercial worlds, the culture of government, and Tanzanian regulations Tested management techniques in both continental and British contexts Proven leadership and human management skills Budget design and monitoring Time-efficient, systematic working methodology Rapid adaptability to new problem-solving and new locations Languages: Kiswahili, English and Arabic IT: Word, Excel, Windows Clean diplomatic communication Account, Audit and Tax consultancy
Overview
11
11
years of professional experience
Work History
SENIOR OFFICER SHARIAH COMPLIANCE
PBZ BANK
10.2024 - Current
- Shariah Review & Monitoring – Conduct regular reviews of banking operations, products, contracts, and transactions to ensure full compliance with Shari’ah rules and principles.
- Policy & Procedure Development – Assist in drafting, updating, and implementing Shariah compliance policies, manuals, and guidelines in line with AAOIFI, IFSB, and regulatory requirements.
- Product Examination – Review and validate product structures, agreements, and documentation before launch to confirm Shariah compliance and obtain approval from the Shariah Advisory Committee (SAC).
- Training & Awareness – Organize Shariah compliance training sessions for staff, enhancing knowledge and awareness of Islamic banking principles across departments.
- Audit & Reporting – Support Shariah audits, prepare compliance reports, and submit findings to the Shariah Compliance Department, Management, and SAC for corrective action.
- Advisory Support – Provide day-to-day Shariah guidance to business units, ensuring operations and customer dealings are aligned with Islamic principles.
ASSITANCE SHARIAH ADVISARY COMMITEE(SAC)
PBZ BANK
09.2024 - Current
- Meeting Coordination – Assist in preparing meeting schedules, agendas and logistics for SAC sittings, ensuring timely communication with members.
- Documentation & Minutes – Record, draft and maintain accurate minutes of SAC meetings, capturing all deliberations, resolutions, and recommendations.
- Research & Support – Conduct preliminary Shariah and financial research to support the Committee’s decision-making and provide briefing notes where necessary.
- Follow-up on Resolutions – Track the implementation of SAC decisions by liaising with relevant departments and ensuring compliance with Shariah rulings.
- Communication & Correspondence – Handle official correspondence between the SAC, regulators and internal bank departments, ensuring clarity and confidentiality.
- Record Management – Maintain proper filing of SAC documents, fatwas, policies, and references for audit and compliance purposes.
- Advisory Support – Provide administrative and clerical assistance to the Secretary and SAC members, ensuring they have all necessary information and materials for effective deliberations.
AG.MANAGER COOPERATE FINANCING
PBZ BANK
09.2024 - 11.2024
- Relationship Management – Build and maintain strong relationships with corporate clients, including large companies, institutions, and government agencies, to deepen engagement and maximize wallet share.
- Business Development – Identify new corporate clients and cross-selling opportunities for banking products such as loans, trade finance, treasury services, deposits, and digital solutions.
- Credit and Risk Assessment – Assess the financial health of corporate clients, review credit applications, and collaborate with the credit department to ensure facilities are Shari’ah-compliant (for Islamic banks) and within risk appetite.
- Strategic Advisory – Provide tailored financial solutions and advisory services to corporate clients, including capital structuring, foreign exchange, investment, and project financing.
- Performance and Portfolio Management – Monitor client accounts, ensure profitability of the corporate portfolio, track loan repayments, and manage non-performing exposures.
- Compliance and Reporting – Ensure all corporate banking activities comply with regulatory requirements, internal policies, and Shariah guidelines while preparing periodic reports for senior management.
Bank Operation Officer, Tax Officer
PBZ BANK
01.2016 - 08.2023
- Banking department under special duties of reconciliation (PBZ BANK)
- Complete, timely and accurate accounting and reporting of transactions of the Bank Group are made in accordance with International Accounting Standards
- Internal controls around banks and General Ledger reconciliation are adequate, effective and functioning properly;
- All bank reconciliations are properly and effectively coordinated and supervised;
- Financial reports of banking activities of the Bank Group are timely and accurate;
- Reconciliation and clearance of all suspense and receivable/payable accounts in the general ledger are carried out properly and in a timely manner
Acting Senior Officer
PBZ BANK
02.2021 - 10.2022
- Customer Services in Mtwara Branch (PBZ BANK)
- The job duties of a bank customer service representative can vary by Manager and depend on whether the representative works with customers over the phone or face-to-face in a branch location
- All representatives can expect to:
- Answer questions about account types and banking products, such as money market accounts, loans and credit cards
- Check on the status of customer accounts and track checks and payments
- Review and explain account charges
- Assist banking customers who are victims of fraud, theft or identity theft
- Assist customers with replacing lost or stolen credit or debit cards
- Generated capable at organizing formal activities of the people being committed and volunteered person of the daily class activities during work activities.
Customer Services Officer
PBZ BANK
07.2018 - 12.2019
- Welcome customers to obtain information and explain available services
- Cross selling all the bank’s products
- Increasing the branch customer base
- Ensure service excellency
- Contribute to the profitable growth of the bank in line with the strategic guidelines and the bank policies and procedures
- Perform an outside call to increase the branch customer base
- Open all types of accounts (current, savings, time deposit, saving certificates)
- Answer Customer inquiries and correct errors
- Helps customer complete any application
- Receiving complaints from customers & register them & deliver it to the concern person
- Solve client’s problems within his/ her responsibility
- Handling all inquiry received from clients (position – statements – maturity)
Bank Teller Officer
PBZ BANK
12.2017 - 07.2018
- Assisting customers with processing transactions, such as deposits, withdrawals, or payments, resolving complaints or account discrepancies, and answering questions
- Tracking, recording, reporting, and storing information related to transactions, bank supplies, and customers, ensuring all information is accurate and complete
- Maintaining and balancing cash drawers and reconciling discrepancies
- Packaging cash and rolling coins to be stored in drawers or the bank vault
- Keeping a clean, organized work area and a professional appearance
- Handling currency, transactions, and confidential information in a responsible manner
- Following all bank financial and security regulations and procedures
- Ensure efficient domestic banking services at the Department including current & saving services, clearing & remittance, custody services and general customer services
- Send and receive messages/correspondences on behalf of the Department or Branch including processing bills for collections to pay other commercial banks and crediting branches
- Monitor PBZ in-house accounts and PBZ balances with commercial banks, advise and recommend to the Director Banking Operations on the trend
Uphold Senior Marketing Officer
Municipal District Council
01.2015 - 07.2017
Education
Master - Economics and Financial Analysis
ZANZIBAR UNIVERSITY
01.2022
Postgraduate Diploma - Taxation
Institute of Tax Administration, Area
01.2016
Bachelor degree - Economics
Zanzibar university
01.2014
Diploma - Islamic bank and finance
Zanzibar University
01.2011
SCINCES - Secondary Education
Vikokotoni Secondary School
01.2009
Skills
- Strategic planning
- Report writing
- Team bonding
- Budget administration
Accomplishments
- Advance Bank operation at Tanzania Institute of Banker, Dar es Salaam
- Loan assessment and financial Analysis at Tanzania Institute of Banker, Dar es salaam
- Training on Management and Conflict resolution at Centre for Foreign Relations (CFR)
- Businesses communication and Businesses negotiations at Centre for Foreign Relations (CFR)
- Skilled on Business Leadership (2012)
- Skilled on Project Fund Proposal (2012)
- Skilled on Creativity and Innovation (2012)
- I attended a short course on Call center and Customer Care Services as conducted by Zanzibar Telecom Ltd – ZANTEL (2011)
- I am skilled on data entry and biometric data capturing as was conducted at National Identification Authority, Zanzibar head office (2012 -2013)
- SELECTED ACADEMIC PROJECTS
- The potential of Zakat scheme as an alternative of microcredit to alternative poverty in Zanzibar (2023)
- Developed, Tax intelligence concept to Government (2021)
- Revolution Government of Zanzibar
- Developed, implemented, and analyzed through SPSS a questionnaire to answer ‘The impact of tax exemption to the government revenue of Zanzibar’ (2014)
- Developed, implemented, and analyzed through excel a questionnaire to answer ‘an assessment on the implementation of training policy at Zanzibar Investment Promotion Authority’ (2010)
- Develop, implement and analyzed through various software to “The impact of exchange rate volatility in Zanzibar”
Timeline
SENIOR OFFICER SHARIAH COMPLIANCE
PBZ BANK
10.2024 - Current
ASSITANCE SHARIAH ADVISARY COMMITEE(SAC)
PBZ BANK
09.2024 - Current
AG.MANAGER COOPERATE FINANCING
PBZ BANK
09.2024 - 11.2024
Acting Senior Officer
PBZ BANK
02.2021 - 10.2022
Customer Services Officer
PBZ BANK
07.2018 - 12.2019
Bank Teller Officer
PBZ BANK
12.2017 - 07.2018
Bank Operation Officer, Tax Officer
PBZ BANK
01.2016 - 08.2023
Uphold Senior Marketing Officer
Municipal District Council
01.2015 - 07.2017
Postgraduate Diploma - Taxation
Institute of Tax Administration, Area
Bachelor degree - Economics
Zanzibar university
Diploma - Islamic bank and finance
Zanzibar University
SCINCES - Secondary Education
Vikokotoni Secondary School
Master - Economics and Financial Analysis
ZANZIBAR UNIVERSITY