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Festurce Kangalu
Banker
Lusaka,Lusaka
Summary
Enthusiastic Banker eager to contribute to team success through hard work, attention to detail and excellent organizational skills. Clear understanding of Banking and Finance. Motivated to learn, grow and excel in Banking and Financial Sector..
Overview
1
1
Language
4
4
Certifications
9
9
years of post-secondary education
15
15
years of professional experience
Work History
COUNTRY ACQUIRING MANAGER
ABSA Bank Zambia Plc
Lusaka, Lusaka Province
02.2019 - 06.2020
- In charge of country merchants acquiring for POS and e-Commerce, relationship management and portfolio growth in order to grow and maintain Cards and Payments or Acquiring market share.
- DETAIL.
- Strategic development - set the strategic agenda to support & achieve commercial viability for card acquiring business.
- Management P&L to achieve agreed targets.
- Managed the strategic recruitment of Acquiring products; POS, MPOS, Ecommerce.
- Provided leadership to a team of direct reports comprising of Account Managers responsible for new customer recruitment and retention, business development, product management, customer service and performance analysis.
- Managed all aspects of risks associated with the Acquiring business with in-country teams and supporting functions; KYC, AML, credit risks, regulatory and card scheme compliance.
- Developed products to enhance the proposition and achieve operating stability.
- Built succession plans for all direct reports and key personnel.
BRANCH MANAGER
Barclays Bank Zambia Plc
Lusaka, Lusaka
03.2015 - 01.2019
- To drive and deliver exceptional retail and business banking performance, through the provision of efficient business and customer relationship management, powerful leadership, team development and achievement of operational rigor excellence in the branch with more than 50 (Fifty) staff members and multiple customer segments.
- Contribute to the balance sheet growth and bank profitability through effective sales strategy at branch level and increase market share.
- Uncovered and resolved strategic and tactical issues impacting sales management and business operations.
- Protected company assets with strategic risk management approaches.
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
Head of Barclays at Work
Barclays Bank Zambia Plc
Lusaka, Lusaka
10.2011 - 03.2015
- JOB SUMMARY.
- Responsible for country consumer products proposition design and sales.
- Corporate department liaison in order to assess and recommend the suitability of corporate entities to be on-boarded.
- Identifying potential Corporate companies for “Barclays at Work” and sign them up, constantly breaking new grounds and creating sales opportunities for the sales teams.
- Government or Parastatals, MNC’s and NGO’s on boarding for employees currents, savings and investment accounts as well as secured and unsecured lending products such as Staff Scheme loans, Mortgages and Barclays Direct loans.
- Ongoing company relationship management in order to enhance and harmonize relationships so as to increase consumer products and services uptake as well as availability to all eligible retail customers.
- Manage the marketing and distribution of financial solutions to company employees at their places of work on a regular and consistent basis with an objective of increasing the bank’s visibility and product uptake by the employees.
ASSETS PRODUCTS MANAGER
Barclays Bank Zambia Plc
Lusaka, Lusaka
12.2010 - 09.2011
- To manage the local Barclays Asset Product range which includes Mortgages, Scheme Loans and Barclay Loans for Retail customers, ensuring the business remains competitive while achieving its stated income targets.
- To recommend and implement new Assets Product developments and enhancements to the existing product set.
- Understand Barclays competitive position for each Asset Product and sector of the market to make recommendations in respect of local pricing and local market potential.
- Act as the principal point of contact on Asset Product issues for local sales and marketing teams.
Branch Manager
Barclays Bank Zambia Plc
Lusaka, Lusaka
10.2007 - 12.2010
- To drive and deliver exceptional retail business performance through provision of efficient business management, powerful leadership, team development and achievement of operational rigor excellence in the branch.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring/termination processes, coaching employees on company protocol and payroll operations.
- Boosted branch sales by developing and deepening customer loyalty through incentive programs.
- Engaged employees in business processes with positive motivational techniques.
- Recruited, interviewed, hired and trained employees and implemented mentoring program to promote positive feedback and engagement.
- Developed and delivered polished sales presentations in order to highlight product and service quality.
BRANCHES CONTROL OFFICER
Finance Bank Zambia Ltd
Lusaka, Lusaka
12.2006 - 10.2007
- Responsible for controlling, guiding, monitoring and coordinating the administration and operational functions of the eight (8) branches under my control to ensure total compliance to bank policies and procedures.
- DETAIL.
- Expenditure control for the branches under my responsibility.
- Monitoring staffing levels in liaison with Human Resources.
- Customer satisfaction – ensuring that customer complaints from branches are being effectively addressed and followed up whilst no adverse customer complaints about the quality of service in branches are kept to almost none existent.
CUSTOMER SERVICES OFFICER
Finance Bank Zambia Ltd
05.2006 - 12.2006
- Providing and sustaining of courteous and timely banking relationship to customers.
- DETAIL.
- Receive, review and resolve customer complaints within 72 hours and escalate to Head Office those that cannot be resolved at branch level.
- Evaluate the effectiveness of customer service in the branch by conduction customer service mystery shopping.
RETAIL BANKING OFFICER – LUSAKA MAIN BRANCH
Finance Bank Zambia Ltd
POSITION
01.2006 - 05.2006
- Managing retail cash department in order to produce an efficient and effective customer service delivery team and maximize banks’ profits.
Graduate Management Trainee
Finance Bank Zambia Ltd
Lusaka, Lusaka
10.2004 - 12.2005
- Set, enforced and optimized internal policies to maintain efficiency and responsiveness to demands.
- Entered data into Micro Banker system, implementing tight safeguards to secure financial and personal information.
Education
No Degree - Consumer Banking
Retail Banking Academy - Laffety
London, England 01.2016 - 01.2017
Bachelor of Arts - Economics
University Of Zambia
Lusaka 01.1999 - 06.2004
Master of Arts - Banking And Finance
University Of Lusaka
Lusaka 01.2019 - Current
Skills
Statistical Analysis – Econometric and Financial Modellingundefined
Accomplishments
During my first 12 months of heading the Acquiring Business for both POS and e-Commerce, achieved the following milestones;
• Achieved a 15% net growth in customer base which eventually resulted into increased merchant transactions on POS, e-Commerce (Ministry of Home Affairs, Immigration, RTSA, ZAMTEL, and NAPSA on-boarding) resulting into over K2m annual net income growth.
• Successfully managed to lead and launch Power Card system from Prime/Base24 Acquiring System. This led to reduced TAT on customer on-boarding from One month to 10 Days.
• Change Leader in name change from Barclays to ABSA with seamless and issue free bank data base lift and drop from group/centre to in-country.
• Successfully developed and landed MoMo on POS in partnership with MTN – A capability which allows MTN Wallet holders to transact on ABSA POS machines from the wallet accounts sitting on their mobile phones.
Best Student with Distinction in Zambia under Retail Banking Academy RBA1 offered under Laffety of United Kingdom.
Certification
Certified Retail Banker, Moody's - 2 Years
Work Availability
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Hobbies
Travelling, Reading Personal and Professional Development Books, Sports such as Football, Chess and Golf. Spending Quality Time and Holidays with my family. Networking.
Quote
Our theory is, if you need the user to tell you what you're selling, then you Don't know what you're selling, and It's probably not going to be a good experience.
Marissa Mayer
Referees
Mr. Hamusute Twaambo
Chief Executive Officer
Zambia Home Loans
Thabo Mbeki Road
Lusaka
Tel: +260-977-430946
Mrs. Chewe Chewe
Senior HR Business Partner
ABSA Bank Zambia
P. O. Box 31936
Lusaka
Tel: +260-977-802983
Prof. Manenga Ndulo
Head of Economics Department
University Of Zambia
P. O. Box 32971
Lusaka
Tel: +260-21-290475
Mr. Jonas Matende
Head of Products
ABSA Bank Zambia
P.O. Box 31396
Lusaka
Tel: +260-967-789925
Lusaka
Tel: +260-967-789925
Timeline
COUNTRY ACQUIRING MANAGER
ABSA Bank Zambia Plc
02.2019 - 06.2020
Master of Arts - Banking And Finance
University Of Lusaka
01.2019 - Current
No Degree - Consumer Banking
Retail Banking Academy - Laffety
01.2016 - 01.2017
BRANCH MANAGER
Barclays Bank Zambia Plc
03.2015 - 01.2019
Head of Barclays at Work
Barclays Bank Zambia Plc
10.2011 - 03.2015
ASSETS PRODUCTS MANAGER
Barclays Bank Zambia Plc
12.2010 - 09.2011
Branch Manager
Barclays Bank Zambia Plc
10.2007 - 12.2010
BRANCHES CONTROL OFFICER
Finance Bank Zambia Ltd
12.2006 - 10.2007
CUSTOMER SERVICES OFFICER
Finance Bank Zambia Ltd
05.2006 - 12.2006
RETAIL BANKING OFFICER – LUSAKA MAIN BRANCH
Finance Bank Zambia Ltd
POSITION
01.2006 - 05.2006
Graduate Management Trainee
Finance Bank Zambia Ltd
10.2004 - 12.2005
Bachelor of Arts - Economics
University Of Zambia
01.1999 - 06.2004
Financial Modelling in Excel, CelSoft - 3 Days
Leadership Edge Training - 2 Days
Training - Branch Operations - 4 Days
Certified Retail Banker, Moody's - 2 Years
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