MANGA SEFULO KAKOMA
Chingola
Summary
I am a results-driven banking professional with over 15 years of progressive experience in consumer lending, credit risk management, and retail banking operations. I hold a Master of Science in Finance and Accounting (graduating September 2025) and a Bachelor of Accounting and Finance, giving me a strong academic foundation in financial analysis, lending, and profitability optimization. My track record includes leading branch lending strategies, expanding loan portfolios, reducing non-performing assets, and driving sustainable profitability. Recognized for achieving a 101.42% financial performance score in 2024, I excel in aligning lending functions with corporate objectives, regulatory compliance, and customer-centric innovation. I thrive in both strategic leadership and operational execution, consistently delivering value in high-impact roles.
Overview
17
17
years of professional experience
Work History
Branch Manager
Indo Zambia Bank
06.2024 - Current
- As Branch Manager, I oversee the full spectrum of branch operations, administration, and lending functions. I am responsible for driving business growth, ensuring compliance, managing people and performance, and delivering exceptional service — all while aligning with regulatory frameworks and organizational strategy.
- Key Functions and Responsibilities:
- Lead and manage branch lending operations, with a focus on growing the consumer loan portfolio, ensuring sound credit decisions, and maintaining strong risk controls in line with KYC, AML, and Bank of Zambia guidelines.
- Prepare and manage annual budgets, ensuring alignment with branch targets and group profitability objectives; monitor loan book performance, including recovery of non-performing loans.
- Ensure timely reconciliation of IBT entries and suspense accounts to maintain integrity of financial operations.
- Drive performance across teams by preparing monthly staff performance reports, ensuring accountability, and fostering a results-oriented culture aligned with strategic lending goals.
- Promote customer acquisition and retention by marketing banking products and services, ensuring customers receive personalized financial solutions — especially in the consumer lending segment.
- Ensure that internal controls, security measures, and policy compliance are effectively implemented and regularly reviewed.
- Supervise all department heads, manage staffing rotations, enforce discipline, and oversee recruitment in coordination with HR.
- Authorize key transactions including outward and inward clearances, account openings, and high-value customer instructions, ensuring service excellence and risk management.
- Guide staff through circulars, manuals, and compliance protocols issued by Head Office, including updates on consumer credit, anti-money laundering, and risk compliance.
- Appraise both corporate and retail credit proposals, ensuring sound credit decisions that balance profitability and risk.
- Drive sales of retail credit products under both MOU and non-MOU arrangements, aligning offerings with customer needs and branch growth targets.
- Oversee debt collection through loan aging analysis and proactive management of non-performing loans (NPLs), safeguarding asset quality and minimizing risk exposure.
Second Line Officer
Indo Zambia Bank
01.2019 - 05.2024
- Directed branch operations with focus on consumer lending and profitability growth.
- Expanded retail lending portfolios through targeted financial literacy and customer segmentation programs.
- Implemented credit risk management strategies, reducing default rates and improving loan recoveries.
- Ensured compliance with BoZ, AML, and KYC requirements, maintaining high governance standards.
- Oversaw financial controls, reconciliations, and reporting to support branch profitability and operational stability.
Credit Officer
Indo Zambia Bank
01.2017 - 01.2019
- Marketed and promoted the bank's consumer and business credit products, aligning with branch profitability goals.
- Advised customers on suitable credit solutions, tailoring products to meet both personal and business financial needs.
- Conducted thorough credit appraisals and risk assessments for loan proposals, ensuring sound lending decisions.
- Oversaw execution of offer letters, charge documents, and securities perfection, ensuring legal and regulatory compliance.
- Ensured timely and accurate loan disbursements, recoveries, and fee collections, safeguarding bank profitability.
- Implemented credit monitoring controls, ensuring loans remained within 60-day repayment standards.
- Supported recovery of non-performing accounts, reducing risk exposure and improving portfolio quality.
- Coordinated with legal teams and empanelled advocates on security perfection and risk mitigation.
- Maintained and safeguarded the bank's securities and properties, ensuring proper custody and insurance coverage.
- Guided customers in selecting fixed deposit and investment products, enhancing cross-selling and retention.
- Handled complex customer queries, ensuring professional resolution and satisfaction.
- Supported revenue growth and operational functions such as cheque book issuance, visa card management, and account services.
- Prepared and submitted monthly credit returns, ensuring accurate reporting to management and regulators.
Clerk - Operations Department
Indo Zambia Bank
01.2015 - 12.2016
- Managing the customer service desk at Head Office and attending to various customer enquiries.
- Attending to high profile(VIP) visitors and customers by telephone or in person.
- Ensuring proper dispatch of outgoing mails for branches and other addresses is duly recorded in appropriate registers.
- Keeping a record for stationery being provided to branches and other requirements.
- Keeping the diary of daily appointments for the Chief Manager.
- Marketing of banks products and services.
- Handling of various customer queries.
Bank Clerk
Indo Zambia Bank
01.2009 - 01.2015
- Paying and receiving deposits.
- Posting of daily entries correctly.
- Balancing of daily work.
- Performing of extra work assigned by superiors.
Education
Master of Science - Accounting and Finance
Zambia Centre For Accountancy Studies
Lusaka09-2025
Bachelor of Science - Accounting and Finance
Mulungushi University
07.2022
ACCA (Level 2) - undefined
Zambia Centre for Accountancy Studies
06.2005
ECZ School Certificate - undefined
01.2002
Skills
- Microsoft Office Package
- Internet Banking
- Electronic Payment
- Internet Browsing
- Analytical Thinking
- Organisational Skills
- Adaptable
- Interpersonal Skills
- Initiative
- Excellent time management skills
- Customer relationships
- Customer service
- Branch operations management
Accomplishments
- Branch Leadership: Delivered a 101.42% financial score (2024), securing a “GOOD” rating in performance appraisal and helped the branch win the Managing Director’s Merit Award for the year 2024.
- Deposits: Exceeded the aggregated Branch Total deposit target for savings, current (CASA), and fixed deposits in the year 2023.
- Sales: Exceeded the sales target in Account Opening and other distribution channels such as Internet Banking, Retail Banking, Visa card Issuance, and Agency Banking.
- Risk Management: Reduced Non-Performing Loans.
- Operational Efficiency: Maintained ATM uptime at an average of 97%. Achieved zero signature scanning errors in most months of 2023. Closed branch ledger accounts at zero in most months of 2023.
- Customer Satisfaction: Recorded minimal customer complaints.
- Loan Processing: Successfully processed Business Loans totaling $689,000, K6,000,000, K2,700,000 for the Branch's top customers. Processed numerous personal loans under various Memoranda of Understanding.
- Investment Assistance: Assisted over 20 customers with various investments such as Government Bonds, Treasury Bills, and Fixed deposits.
LANGUAGES
English
KNOWLEDGE AND COMPETENCES
- Consumer lending strategy & execution
- Credit risk assessment & recovery of non-performing loans
- Retail product development & financial literacy programs
- Business growth & profitability optimization
- Regulatory compliance (BoZ, AML, KYC)
- Communication, influence & stakeholder engagement
- Leadership, staff supervision & performance management
- Analytical thinking & problem solving
Timeline
Branch Manager
Indo Zambia Bank
06.2024 - Current
Second Line Officer
Indo Zambia Bank
01.2019 - 05.2024
Credit Officer
Indo Zambia Bank
01.2017 - 01.2019
Clerk - Operations Department
Indo Zambia Bank
01.2015 - 12.2016
Bank Clerk
Indo Zambia Bank
01.2009 - 01.2015
ACCA (Level 2) - undefined
Zambia Centre for Accountancy Studies
ECZ School Certificate - undefined
Master of Science - Accounting and Finance
Zambia Centre For Accountancy Studies
Bachelor of Science - Accounting and Finance
Mulungushi University
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