Clement Chishwashwa
Little Sun Zambia Limited
Kaoma
9
Years of experience
Results-oriented Operations Management professional with extensive experience in sales, marketing, and credit finance. Improved recovery rates through effective account management, team collaboration, negotiation, and conflict resolution. Committed to delivering measurable results and meeting organizational goals in dynamic environments.
Work History
Regional Sales and Collections Manager
4 Months- Directed collections workflows, prioritizing delinquent accounts and resolving outstanding balances.
- Negotiated payment arrangements with customers while preserving positive account relationships.
- Analyzed aging reports to identify risk trends and escalate recovery actions.
- Coordinated account reconciliations with finance teams to ensure ledger accuracy.
- Worked with legal resources and recovery teams to manage default issues.
- Developed risk analysis reports for management, highlighting concentration, exposure, and policy exceptions.
- Monitored portfolio trends, escalating deteriorating accounts and recommending remediation actions.
- Evaluated emerging risks within the market, recommending adjustments to credit policies as needed to protect against negative impacts on portfolio performance.
- Trained new team members on sales procedures, CRM usage, and documentation standards.
- Worked closely with the sales team to prioritize tasks, set goals, and allocate resources efficiently; resulting in increased productivity and revenue.
- Maintained accurate records of all sales activities, including contracts, proposals, quotes, follow-ups, and customer communications.
- Increased sales revenue by establishing strong relationships with clients and identifying new business opportunities.
- Streamlined sales processes for improved efficiency and customer satisfaction.
- Supported sales team members in achieving individual goals and targets through coaching, mentoring, and guidance.
Operations Manager
2 Years 4 Months- As an Operations Manager for Pay-as-You-Go (PAYG) solar energy business, I am playing a pivotal role in overseeing operational efficiency and driving strategic initiatives for Little Sun Zambia Limited. Reporting directly to the CEO, leading teams, managing projects, and ensuring seamless execution of key functions within the PAYG sector.
- Monitored compliance with safety, quality, and operational procedures across departments.
- Implemented process improvements that strengthened efficiency, accountability, and service consistency.
- Led cross-functional teams, assigning responsibilities and resolving workflow bottlenecks promptly.
- Oversaw budget tracking, cost controls, and resource allocation to support operational goals.
- Maintained risk registers and documentation for audits, governance, and regulatory reporting.
- Advised management on policy adherence, emerging threats, and prioritized treatment options.
- Led risk assessments for new initiatives, ensuring controls supported business objectives.
- Reduced risk exposure by analyzing and mitigating potential threats to the organization.
- Trained employees in risk awareness and preparedness, fostering a culture of accountability and ownership over risk management responsibilities.
- Evaluated business initiatives for potential risks, providing recommendations to mitigate potential negative impacts on the organization.
Collections Manager (Corporate Risk)- Lusaka
6 Months- Analyzed regional portfolio and repayment trends to develop daily, weekly, and monthly strategies that enhanced collection rates.
- Worked with Area Business Managers and Collection Executives to collect outstanding balances from delinquent customers.
- Drove an operating rhythm to follow up with Collection Executives to complete collection call tasks.
- Monitored all payment transactions from customers online and daily financial transactions reconciliations.
- Ensured Accuracy in cash handling by collections agents.
- Led customer complaints handling procedures to improve resolution processes and enhance customer satisfaction.
- Facilitated trainings for sales agents and individual customers on how to effectively use the mobile financial services.
- Coordinated regular follow-ups with Collection Executives to ensure timely completion of collection call tasks.
- Providing sustainable and renewable energy alternatives to families, agribusinesses and MSMEs on Pay-as-you-go.
Operations Manager- Ndola
2 Years 2 Months- Supervised and offered technical support/training to Loan officers to ensure that loan collection targets are met or exceeded.
- Monitored internal controls to detect fraud and enforce compliance measures.
- Cost effective management of branch operations so as to ensure profitability.
- Preparing weekly, monthly, quarterly and annual branch credit performance reports.
- Managed branch operations efficiently to maintain profitability.
- Handled customer complaints by actively listening and addressing their concerns effectively.
- Customer complaints handling and resolution
- Ensuring adherence to policies and procedures of the organization
- A microfinance institution specialized in improving the economic wellbeing of micro, small and medium enterprises (SMEs) through provision of affordable financial services.
Senior Credit Officer-Ndola Branch
1 Year 6 Months- Cash flow appraisals of SMEs: inflows, outflows and collateral assessment
- Securing collateral through placing of mortgages or RATSA Endorsements, ensuring that motor vehicles are runners and have comprehensive insurance.
- Preparation of Credit files for credit committees, making loan recommendations and filling of all loan documents once the loan is approved and disbursed
- Managed loan portfolios to ensure compliance with credit policies.: Credit risk management, ensuring 100% collections and reporting delinquent loans to the Operations manager.
- Provided detailed reports to operations management on individual loan portfolio performance, highlighting key trends and risks.
- A microfinance institution specialized in improving the economic wellbeing of micro, small and medium enterprises through provision of affordable financial services.
Education
Bachelor of Arts - Education
GPA: Merit
Certificate - Project Planning and Management
Certificate - Data Analysis and Management
GPA: SPSS and Excel
Certificate - Communication Skills
Certificate - Monitoring and Evaluation
Secondary School leaver's Certificate
GPA: Grade 12
Skills
Financial Management
Credit analysis proficiency
Portfolio management
Account reconciliation
Debt recovery expertise
Risk assessment capabilities
Collections strategies
Problem Solving
Negotiation Skills
Collections strategy
Compliance audits and audits
Conducting investigations
Personal Information
- Date of Birth: 1986-09-01
- Gender: Male
- Nationality: Zambian
- Driving License: SADC Class B No.317621
- Marital Status: Single
- Religion: Christian
Timeline
Regional Sales and Collections Manager
WidEnergy Africa Ltd.
06.2026 - CurrentRead More
Operations Manager
Little Sun Zambia Limited
06.2024 - CurrentRead More
Collections Manager (Corporate Risk)- Lusaka
Greenlight Planet Zambia Ltd (Sun King)
04.2023 - 10.2023Read More
Operations Manager- Ndola
Agora Microfinance Zambia Limited
01.2019 - 03.2021Read More
Senior Credit Officer-Ndola Branch
Agora Microfinance Zambia Ltd.
06.2017 - 12.2018Read More
Mangango Secondary School
Secondary School leaver's Certificate
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The University of Zambia
Certificate from Monitoring and Evaluation
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The University of Zambia
Certificate from Communication Skills
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The University of Zambia
Certificate from Data Analysis and Management
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The University of Zambia
Certificate from Project Planning and Management
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The University of Zambia
Bachelor of Arts from Education
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