Summary
Overview
Work history
Education
Skills
Additional Information
Languages
References
Timeline
Generic
Cosmas  M'kombwe

Cosmas M'kombwe

Lusaka,Chamba Valley

Summary

Dedicated leader with demonstrated ability to train, manage and motivate team members to achieve organizational objectives.

Results-oriented and decisive leader in retail, finance, and manufacturing.

Overview

15
15
years of professional experience
4
4
years of post-secondary education

Work history

Director - Operations

Retsol International Zambia
Lusaka , Zambia
2023.10 - Current

Key Achievements:

  • Managed 500+ employees across the Zambian business
  • Successfully opened 8 new stores
  • Digitized SOP management system
  • Improved EBITDA from 15% to 21%
  • Signed a chain store SLA, grew sales by 35%

KPI Overview:

Manufacturing (Pie & Confectionery Plant)

  • Production Efficiency Improvement
    Increased production line efficiency by monitoring output rates, reducing downtime, and optimizing workflow processes to consistently meet manufacturing targets.
  • Quality Control & Compliance
    Maintained high food safety and quality standards through strict adherence to company quality assurance procedures, minimizing product defects and waste.
  • Cost Reduction & Waste Management
    Reduced operational waste and raw material losses through improved inventory control, process monitoring, and efficient resource utilization.
  • On-Time Production & Delivery Performance
    Achieved consistent on-time production and dispatch targets by coordinating operations, inventory, and logistics to meet customer demand schedules.
  • Health, Safety & Team Performance
    Promoted a safe and productive work environment by enforcing workplace safety standards, supervising teams effectively, and reducing workplace incidents.

QSRs (Debonairs, Steers, Mugg&Bean, Corner Bakery, KEG)

  • Directed multi-branch QSR operations to achieve consistent service delivery, operational efficiency, and customer satisfaction across all outlets.
  • Improved daily sales performance through strategic staffing, operational planning, and execution of revenue-driving initiatives.
  • Reduced food cost variances by strengthening inventory controls, portion management, and supplier coordination.
  • Increased customer satisfaction ratings by improving service speed, order accuracy, and complaint resolution procedures.
  • Managed labor costs effectively through workforce scheduling, productivity monitoring, and performance management.
  • Led operational compliance with food safety, hygiene, and health regulations across all restaurant locations.
  • Enhanced outlet profitability by monitoring KPI performance, controlling operational expenses, and improving efficiency.
  • Implemented staff training and development programs that improved employee productivity, retention, and service standards.
  • Oversaw stock management systems to minimize shortages, prevent over-ordering, and reduce wastage.
  • Coordinated successful restaurant openings, operational rollouts, and process improvements while maintaining brand standards and operational consistency.

R&M

  • Managed Repair & Maintenance (R&M) operations to ensure maximum equipment uptime and uninterrupted business operations across multiple sites.
  • Reduced maintenance downtime through implementation of preventive maintenance schedules and rapid fault-response systems.
  • Controlled R&M expenditure by optimizing maintenance budgets, supplier negotiations, and resource allocation without compromising operational efficiency.
  • Improved asset lifespan and equipment reliability through consistent inspections, servicing, and maintenance planning.
  • Coordinated maintenance teams and external contractors to ensure timely completion of repairs and compliance with operational standards.
  • Strengthened health and safety compliance by enforcing maintenance safety procedures and minimizing operational risks.
  • Monitored and analyzed maintenance KPI performance including downtime, response times, repair costs, and equipment efficiency.
  • Implemented facility and equipment improvement initiatives that enhanced operational productivity and reduced recurring maintenance issues.

Finance manager

Retsol International
Lusaka, Lusaka Province
2021.01 - 2023.09

Key Achievements:

  • Negotiated a K35m facility for new openings
  • Centralized the procurement department
  • Achieved 3 years audit backlog in 6 months

KPI's

  • Negotiated favourable terms with vendors, achieving cost savings.
  • Conducted thorough risk assessments to mitigate potential losses.
  • Streamlined invoice processing reducing errors and delays.
  • Ensured accurate tax filings, avoiding penalties and interest charges.
  • Facilitated capital-raising initiatives supporting business expansion efforts.
  • Enhanced company profitability with strategic budget planning.
  • Developed comprehensive financial reports for top management review.
  • Analysed complex financial data, providing meaningful insights for company leadership.
  • Liaised between finance department and other departments fostering inter-departmental collaboration.
  • Collaborated closely with auditors to ensure smooth audit processes.
  • Reduced operational costs by implementing cost-saving strategies.
  • Oversaw financial reporting processes, maintaining accuracy and compliance with regulatory standards.
  • Worked to scale and enhance finance function, implementing new processes and refining existing ones.
  • Conducted variance analysis to identify discrepancies and implement corrective actions.
  • Finalised VAT returns with rigorous transaction checks.

Head of Internal Audit

Retsol International
Lusaka, Lusaka Province
2019.10 - 2020.12

Key Achievements:

  • Improved sales by 300% just by closing all possible loopholes

KPI's

  • Streamlined auditing procedures to improve productivity and time management.
  • Reviewed financial statements and records to detect irregularities or fraud.
  • Developed audit plans and strategies for compliance with regulatory requirements.
  • Tested existing controls, highlighting any areas that were not functioning properly.
  • Reduce stock shrinkage

Finance Manager

Zamaka Mining Services (FQM)
Solwezi, North-Western Province
2018.01 - 2019.09

Key Achievements:

  • Negotiated Kalumbila Mine SLA
  • Improved turnover by 45% with the new SLA
  • Successfully conducted an audit for all pending ZRA refunds

KPI's

  • Monitored and reviewed financial controls, processes and procedures to enable best practice development.
  • Boosted company efficiency through strategic technology upgrades and process improvements.
  • Aided senior leadership by recommending corrective actions and improvements to company operations.
  • Strategically scheduled and managed 50+ staff members, maintaining high-performing business operations.
  • Identified improvement changes regarding key processes for internal controls and accounting procedures.
  • Identified finance team efficiencies and reduced reporting timelines.
  • Developed and administered annual budgets following periods of strong analysis and research.
  • Maintained responsibility of credit control to achieve debtor day targets.
  • Resubmitted overdue invoices and confirmed payment receipts.
  • Reduced annual business expenditure through careful expense monitoring.
  • Liaised with customers and other departments to plan timely transportation of goods.
  • Provided clear, accurate pricing information to customers regarding specific products.
  • Performed detailed payroll duties from input and audit, to processing and submission.
  • Satisfied all statutory obligations

Accountant / Risk Officer

Fortune Foods (Nando's, Spur and Debonairs)
Lusaka , Zambia
2016.01 - 2018.12
  • Analyzed monthly reporting to reconcile production operations and general ledger.
  • Reconciled accounts from income and expense data to net worth and assets.
  • Managed the AP, AR, Inventory and GL modules on the accounting system
  • Created periodic reports comparing budgeted costs to actual costs.
  • Analyzed Gross Profits
  • Audited standard operating standards as per franchisor SOM
  • Improved month-end closing cycle procedures through planned audit cycles.
  • Standardised risk and performance metrics to increase efficiencies.
  • Regularly reviewed and assessed risk policies to ensure regulatory compliance.

Manager

Spur Steak Ranches
Ndola, Copperbelt
2014.03 - 2016.12
  • Analyzed operations to improve restaurant efficiency and service levels.
  • Strategically reviewed and planned restaurant staffing levels based on evolving service demands.
  • Improved Front-of-House (FOH) staff productivity by elevating greeting and seating processes.
  • Organized special events and functions, including receptions, parties and corporate lunches.
  • Delivered in-depth training to customer-facing staff, promoting strong service performance.
  • Spearheaded regular maintenance and repair operations to keep building and equipment in peak condition.
  • Maintained high levels of stock quality, implementing procedures to decrease stock damage.
  • Investigated missing items, discrepancies and losses.

Cashier / General Worker

Shoprite Checkers (African Supermarkets)
Ndola, Copperbelt
2011.01 - 2013.12

Education

Bachelor of Science - Accounting and Finance

University of Zambia (UNZA)
Lusaka
2023.01 - 2026.08

Technician - Accounts

Zambia Institute of Chartered Accountants (ZICA)
Lusaka
2012-03

Skills

  • Production scheduling
  • Customer relations
  • People Management
  • Financial accounting and control systems
  • Computer Systems: Future POS, Aura, Gaap, Pilot, Sage Evolution, DIMS, Palladium and all Microsoft packages
  • Costing
  • Warehousing and distribution
  • Strong communication
  • Problem solving
  • Manufacturing Resource Planning (MRPII)
  • FMCG manufacturing experience

Additional Information

  • D.O.B : 4th April 1991
  • Geographical Preference : Worldwide
  • Religion : Jehovah's Witness

Languages

Nyanja, Bemba, Chewa, Nsenga
Native language
French
Beginner
A1
English
Master or proficient
C2

References

Garry Milner 

Managing Director 

Retsol International 

garry.milner@retsol.africa 

+27794921053

Steve Reddy 

Retsol International 

CFO 

+27824135493

Steve Chibwe

Partner

PKF International

schibwe@zm.pkf.com

Dr. Fumbani Mphande

University Of Zambia 

Graduate School of Business (GSB) - Lecturer Research

+260979177776

Timeline

Director - Operations

Retsol International Zambia
2023.10 - Current

Bachelor of Science - Accounting and Finance

University of Zambia (UNZA)
2023.01 - 2026.08

Finance manager

Retsol International
2021.01 - 2023.09

Head of Internal Audit

Retsol International
2019.10 - 2020.12

Finance Manager

Zamaka Mining Services (FQM)
2018.01 - 2019.09

Accountant / Risk Officer

Fortune Foods (Nando's, Spur and Debonairs)
2016.01 - 2018.12

Manager

Spur Steak Ranches
2014.03 - 2016.12

Cashier / General Worker

Shoprite Checkers (African Supermarkets)
2011.01 - 2013.12

Technician - Accounts

Zambia Institute of Chartered Accountants (ZICA)
Cosmas M'kombwe