DANIEL MUKAMBA
Lusaka,Zambia
Summary
Accomplished professional with expertise in credit analysis, portfolio management, and client acquisition. Demonstrates strong skills in risk mitigation and relationship building, complemented by exceptional negotiation abilities. Committed to leveraging these competencies to drive business growth and enhance client satisfaction.
Overview
12
12
years of professional experience
12
12
years of post-secondary education
Work history
Relationship Manager-Corporate
Access Bank Zambia
08.2024 - 07.2025
- Spearhead the acquisition of new business from Large Corporate and SME clients through strategic selling, networking, and referrals.
- Conduct in-depth credit analysis and monitor loan portfolios to ensure quality asset growth and mitigate credit risk.
- Identify and capitalize on cross-selling and up-selling opportunities, leveraging market intelligence to achieve product and revenue targets.
- Collaborate closely with the Credit Department to facilitate timely processing of lending applications and manage client expectations on credit decisions.
- Translate strategic business banking objectives into actionable weekly, monthly, and annual targets, in alignment with the Head of Corporate Banking.
- Drive portfolio profitability by proactively monitoring key account turnover and ensuring alignment with ecosystem revenue plans.
- Develop and maintain complex client relationships, coordinating with internal stakeholders to deliver superior banking solutions.
- Represent the Bank at local industry events and professional forums to identify market trends, partnership opportunities, and competitive insights.
- Foster a collaborative team environment focused on achieving shared goals and delivering value to clients.
Business Banking Manager
Atlas Mara Zambia
12.2022 - 07.2024
- Analyzed and segmented client portfolios based on customer needs, industry trends, and strategic priorities to enhance value proposition and wallet share.
- Monitored key account turnover and covenant compliance to ensure alignment with revenue expectations and client ecosystem plans.
- Utilized Management Information Systems (MIS) data to track account performance and facility utilization, proactively mitigating revenue leakage through weekly and monthly reporting on excesses and arrears.
- Maintained accurate and up-to-date client records, ensuring full compliance with internal controls and regulatory KYC requirements.
- Proactively resolved risk, internal audit, and external audit issues, ensuring timely closure of findings and maintaining operational integrity.
- Collaborated with Credit teams to structure deals, prepare compelling credit applications, and expedite approvals for pipeline transactions.
- Acted as a liaison between Relationship Management and internal support teams (Operations, Credit, Risk) to ensure seamless delivery of banking solutions within agreed SLAs.
- Effectively managed personal workflow and competing priorities, delivering high-quality outputs within set deadlines and compliance standards.
Assistant Relationship Manager - Corporate
Atlas Mara Zambia
04.2021 - 11.2022
- Managed a select portfolio of corporate clients under the supervision of the Relationship Manager, ensuring service excellence and proactive engagement.
- Provided the Relationship Manager with real-time dashboards capturing key metrics, including client behavior analytics, sector trends, and competitor activity to support strategic decision-making.
- Sourced and evaluated potential leads to support business growth, contributing to the acquisition of quality risk assets and sustainable deposit liabilities.
Customer Service Officer
Finance Bank Zambia
05.2015 - 03.2021
- Managed the branch’s retail customer portfolio, generating business leads and supporting the achievement of targets aligned with the Bank’s strategic objectives.
- Cross-sold and promoted the Bank’s full range of products and services to both retail and corporate clients, driving customer acquisition and product uptake.
- Proactively engaged clients to deepen relationships, increase wallet share, and promote maximum utilization of banking facilities and services.
- Monitored customer account activities and market trends to safeguard the Bank’s interests and identify new credit and deposit opportunities.
- Acted as the primary point of contact for walk-in retail and institutional customers, ensuring timely resolution of queries and delivery of best-in-class customer service.
- Contributed to the growth of alternative distribution channels including Internet Banking, Mobile Banking, SMS Banking, POS, and Visa Debit Cards.
- Supported reputational risk management by maintaining high customer service standards, providing feedback for service improvement, and contributing to pricing strategies and product positioning.
- Conducted regular peer analysis and strategic evaluations to inform product development and marketing approaches aligned with the Bank’s objectives.
- Ensured KYC compliance and account opening due diligence to maintain regulatory and internal control standards.
- Oversaw ATM operations, ensuring cash reconciliation, physical cash balancing, and full compliance with Bank policies and audit requirements.
Compliance Officer
Finance Bank
01.2017 - 12.2017
- Monitored and addressed compliance-related queries at the branch level, ensuring timely resolution or escalation in line with internal policies and regulatory expectations.
- Prepared and submitted routine governance reports highlighting the branch’s compliance status, aiding oversight by management and regulatory bodies.
- Supported management and the Board in identifying, assessing, and mitigating compliance risks through regular engagement and reporting.
- Conducted business reviews to assess compliance with internal controls and regulatory standards, managing escalation processes where non-compliance was identified.
- Provided expert guidance to business units on compliance requirements, including the implementation and evaluation of control effectiveness and adequacy.
- Contributed compliance input during the design and rollout of new products, services, and third-party partnerships to ensure alignment with internal policies and regulatory frameworks.
- Built and maintained strong relationships with stakeholders across all levels, effectively advising and influencing strong communication and negotiation skills.
Key Account Client Advisor
AB Bank Zambia
03.2013 - 05.2015
- Proactively assessed credit risk and managed client credit facilities, ensuring appropriate limit structures and prudent risk exposure.
- Maintained strong customer relationships through consistent engagement, updates on products and services, and responsive client service to drive retention and satisfaction.
- Gathered market intelligence and closely monitored client business developments to identify growth opportunities and deepen banking relationships.
- Conducted pre-screening interviews and initial creditworthiness assessments for new business loan applicants, supporting effective credit proposal preparation for approval committees.
- Consistently achieved individual sales targets by identifying cross-selling opportunities and collaborating with internal departments to meet customer needs.
- Ensured compliance with anti-money laundering (AML) protocols and promptly escalated any suspicious activities in accordance with regulatory and internal policies.
- Opened accounts for individuals and corporate clients, mobilizing deposits and supporting account growth and sustainability.
- Processed payment orders and electronic fund transfers, ensuring accuracy and timely execution.
- Ensured full compliance with Know Your Customer (KYC) requirements and internal onboarding procedures.
- Actively participated in team meetings and contributed to the development of innovative, customer-centric banking solutions.
Education
Full School Certificate -
Matero Boys Secondary School
01.2001 - 01.2005
Bachelor of Science Degree - Banking and Finance
The Copperbelt University
01.2007 - 01.2012
Master of Business Administration - Finance
University of Lusaka
01.2022 - 01.2024
Certificate in Commercial Credit - undefined
Moody’s Analytics
01.2022 - 01.2023
Skills
- Credit analysis
- Portfolio management
- Client acquisition
- Risk mitigation
- Relationship building
- Negotiation skills
Languages
English
Fluent
Bemba
Upper intermediate
Nyanja
Beginner
Custom
- Richard Mutukwa, Head Of Corporate Banking, Access Bank Zambia, 0977520625, richard.mutukwa@accessbankplc.com
- Jack Shamutete, Transactional Banking Manager- Zambia, FNB Zambia, 0953668041, jackshamutetek@gmail.com
- Niza Vlahakis, Sector Head – Telecommunications Corporate Banking, Access Bank Zambia, 0977722533
Personal Information
- Age: 37
- Gender: Male
- Nationality: Zambian
- Marital status: Married
Timeline
Relationship Manager-Corporate
Access Bank Zambia
08.2024 - 07.2025
Business Banking Manager
Atlas Mara Zambia
12.2022 - 07.2024
Master of Business Administration - Finance
University of Lusaka
01.2022 - 01.2024
Certificate in Commercial Credit - undefined
Moody’s Analytics
01.2022 - 01.2023
Assistant Relationship Manager - Corporate
Atlas Mara Zambia
04.2021 - 11.2022
Compliance Officer
Finance Bank
01.2017 - 12.2017
Customer Service Officer
Finance Bank Zambia
05.2015 - 03.2021
Key Account Client Advisor
AB Bank Zambia
03.2013 - 05.2015
Bachelor of Science Degree - Banking and Finance
The Copperbelt University
01.2007 - 01.2012
Full School Certificate -
Matero Boys Secondary School
01.2001 - 01.2005
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