Victor Mbalaso
Lusaka
Summary
Proficient Finance Consultant with knowledge of wide range of financial strategies. Possess strong business expansion, interpersonal communication and research skills. Successful experience encouraging and guiding individuals or teams on risks and solutions. Hardworking Finance Consultant with superior numerical aptitude and knowledge of market trends and stock values. Superb communication and organizational skills. Committed to creating profitable solutions and maintaining relationships.
Overview
19
19
years of professional experience
1
1
Certification
Work History
Trade Finance Consultant
Euro Exim Bank
09.2023 - Current
- Enhanced financial performance by analyzing data, identifying trends, and providing strategic recommendations.
- Streamlined budgeting processes for improved efficiency and accuracy in financial forecasting.
- Improved cash flow management through the implementation of effective accounts receivable strategies.
- Reduced expenses by conducting thorough cost-benefit analyses on various operational aspects.
- Developed comprehensive financial models to support decision-making processes for key projects and initiatives.
- Strengthened client relationships by providing timely and insightful financial guidance tailored to their unique needs.
- Implemented robust internal controls to mitigate financial risks and ensure compliance with regulatory requirements.
- Optimized investment portfolios with a focus on risk management and diversification to maximize returns.
Operations Manager
VIHAC Investments Limited
03.2015 - Current
- Improved operational efficiency by streamlining processes and implementing cost-saving measures.
- Reduced turnaround time for project completion through effective resource allocation and team management.
- Enhanced customer satisfaction by establishing clear communication channels and addressing concerns promptly.
- Developed strong relationships with vendors, resulting in better pricing and improved service quality.
- Implemented new inventory management system to optimize stock levels and reduce waste.
- Achieved higher employee retention rates by fostering a positive work environment and providing opportunities for professional growth.
- Conducted regular performance reviews, identifying areas for improvement and developing action plans to address them.
High Net Worth Sales Cosultant
Prudential Life Assurance Zambia
09.2020 - 09.2021
- Increased client satisfaction by providing tailored financial advice and personalized solutions for high net worth individuals.
- Developed strong relationships with clients, ensuring their long-term trust and loyalty to the firm.
- Collaborated with cross-functional teams to create comprehensive wealth management strategies, addressing diverse client needs.
- Enhanced overall portfolio performance through diligent risk assessment and strategic asset allocation.
- Streamlined operations by implementing efficient processes for account opening, maintenance, and reporting.
- Delivered exceptional customer service, promptly addressing inquiries and resolving complex issues.
- Conducted thorough research on market trends and investment opportunities to provide well-informed recommendations to clients.
Business Relationship Manager
Standard Chartered Bank Zambia
01.2017 - 04.2018
- Strengthened client relationships by consistently delivering high-quality service and support.
- Boosted customer satisfaction through timely resolution of issues and proactive communication.
- Collaborated with cross-functional teams to develop and implement strategic initiatives for business growth.
- Identified opportunities for process improvements, resulting in increased efficiency and cost savings.
- Managed a portfolio of key accounts, ensuring consistent revenue generation and account retention.
- Developed customized solutions in response to unique client needs, fostering long-term partnerships.
- Coordinated regular meetings with clients to review performance metrics and discuss areas for improvement.
- Delivered comprehensive training programs for new team members, enhancing productivity and skillsets.
- Implemented robust risk management strategies to protect the organization from potential losses or reputational damage.
- Conducted thorough market research to identify emerging trends and inform business development efforts.
- Evaluated client feedback data to develop targeted strategies for improving customer experience.
- Maintained open lines of communication with stakeholders at all levels of the organization, fostering a culture of transparency and accountability.
- Collaborated closely with product development teams to ensure alignment between client requirements and offerings.
- Commitment in monitoring regulatory landscapes ensured compliance with industry standards.
- Utilized advanced financial analysis techniques to accurately assess client needs.
- Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
- Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
- Identified new business opportunities through cold calling, networking, marketing and prospective database leads.
- Kept detailed records of daily activities through online customer database.
Business Development Manager-SME
Standard Chartered Bank Zambia
01.2015 - 01.2017
- Increased client base by identifying new business opportunities and cultivating strong relationships with key decisionmakers.
- Developed and implemented strategic plans for business growth, resulting in increased market share and profitability.
- Led cross-functional teams to successfully execute complex projects, ensuring timely delivery and client satisfaction.
- Conducted comprehensive market research and analysis to identify emerging trends and potential areas of expansion.
- Delivered compelling sales presentations to prospective clients, highlighting the unique value proposition of our products and services.
- Streamlined internal processes by introducing innovative tools and technologies, enhancing overall operational efficiency.
- Collaborated closely with marketing teams to develop targeted campaigns that generated high-quality leads for the sales pipeline.
- Managed a diverse portfolio of accounts, consistently exceeding revenue targets through upselling strategies and exceptional customer service.
- Mentored junior team members in effective sales techniques, fostering a high-performance culture within the organization.
- Established valuable partnerships with complementary businesses, creating mutually beneficial synergies that accelerated growth for both parties.
- Launched new product lines by conducting extensive competitor analysis and identifying gaps in the existing market offerings.
- Optimized sales funnels by leveraging data-driven insights to refine targeting strategies and maximize conversion rates.
- Leveraged industry events to network with potential clients, generating significant brand exposure and driving new business acquisition efforts.
- Consistently met or exceeded monthly quotas through diligent prospecting efforts, relentless follow-up activities, and expert negotiation skills.
- Spearheaded initiatives aimed at improving customer retention rates by proactively addressing concerns before they escalated into larger issues.
- Championed corporate social responsibility initiatives that positively impacted community relations while bolstering the company''s reputation as a responsible corporate citizen.
- Performed client research and identified opportunities for account growth, account penetration and market expansion.
- Established relationships with key decision-makers within customer's organization to promote growth and retention.
- Reached out to potential customers via telephone, email, and in-person inquiries.
- Generated new business with marketing initiatives and strategic plans.
- Negotiated and closed long-term agreements with new clients in assigned territory.
- Identified and pursued valuable business opportunities to generate new company revenue and improve bottom line profit.
- Represented company and promoted products at conferences and industry events.
- Monitored market trends and competitor activities to identify areas of potential opportunity.
- Established key performance indicators to track and analyze business progress and adjust strategies accordingly.
- Kept meticulous client notes and updated account information in company databases.
- Developed process to analyze customer feedback to incorporate insights into product development strategies.
- Taught consultative selling techniques to new and existing staff members to build expertise.
- Scheduled and implemented product promotions in accordance with available inventory and staff resources.
- Achieved sales goals and service targets by cultivating and securing new customer relationships.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Implemented systems and procedures to increase sales.
Sales Manager
Standard Chartered Bank Zambia
01.2012 - 01.2015
- Increased sales revenue by developing and implementing effective sales strategies.
- Built long-lasting client relationships through excellent customer service and consistent followups.
- Led a successful sales team by providing motivational coaching and performance-based incentives.
- Streamlined sales processes for improved efficiency, resulting in higher conversion rates.
- Collaborated with marketing teams to create targeted promotional campaigns, driving customer engagement and sales growth.
- Analyzed market trends to identify new business opportunities, leading to expansion into profitable territories.
- Developed comprehensive product knowledge, enabling tailored solutions for clients'' specific needs.
- Provided ongoing training and mentorship for junior sales staff, fostering professional development and career growth.
- Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
- Organized regular sales meetings to review progress, share best practices, and set achievable targets for continued success.
- Implemented CRM systems for better tracking of leads, improving follow-up processes and communication within the team.
- Overcame objections from potential clients by addressing concerns effectively and offering customized solutions based on their unique needs.
- Consistently met or exceeded quarterly sales targets through diligent effort and persistence in closing deals.
- Created compelling presentations that highlighted product features/benefits to potential clients while addressing their pain points directly.
- Optimized territory management plans by analyzing data on customer demographics, preferences, and buying patterns.
- Facilitated cross-functional communication between sales, marketing, and product development teams to ensure cohesive efforts towards shared goals.
- Coached and counseled sales personnel, assisting with individual selling efforts and helping sales representatives reach targets.
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Coached employees in successful selling methods and encouraged cross-selling to drive revenue.
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Met with clients, delivering presentations, and educating on product and service features and offerings.
- Attended industry shows, conventions, and other meetings with primary mission of expanding market opportunities.
- Built relationships with customers and community to establish long-term business growth.
- Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
- Collaborated with upper management to implement continuous improvements and exceed team goals.
- Compiled and analyzed data to determine approaches to improve sales and performance.
- Organized promotional events and interacted with community to increase sales volume.
- Prepared sales presentations for clients showing success and credibility of products.
- Managed revenue models, process flows, operations support and customer engagement strategies.
- Aligned company goals with customer outcomes and increased satisfaction by automating contact management systems.
- Maintained financial controls, planned business operations and control expenses while identifying and pursuing opportunities to grow business operations and boost profits.
- Delivered recommendations to long-term accounts to promote brand awareness to key audience.
- Developed compelling presentation decks to gain approval for ideas and communicate results.
Branch Manager
Standard Chartered Bank Zambia
01.2011 - 06.2012
- Increased branch profitability by implementing cost-saving measures and streamlining operational processes.
- Developed a high-performing team through targeted recruitment, training, and performance management initiatives.
- Improved customer satisfaction ratings by enhancing service quality and resolving client issues promptly.
- Strengthened relationships with key clients, securing long-term partnerships and driving revenue growth.
- Implemented effective sales strategies to achieve branch targets and exceed expectations consistently.
- Oversaw daily operations for streamlined efficiency, ensuring timely execution of tasks and optimal resource allocation.
- Managed branch financials including budgeting, forecasting, and expense tracking for accurate reporting and decision-making support.
- Enhanced staff competency with regular training sessions, boosting productivity levels across the branch operations.
- Ensured regulatory compliance through diligent adherence to industry standards, guidelines, and company policies.
- Collaborated with senior leadership on strategic planning initiatives to align branch objectives with corporate goals.
- Optimized branch inventory management practices for improved product availability and reduced stock obsolescence costs.
- Monitored market trends to identify new business opportunities and capitalize on potential growth areas within the community or region served.
- Championed process improvement initiatives that resulted in increased efficiency, improved service quality, or cost savings for the organization as a whole.
- Evaluated employee performance regularly through appraisals and feedback sessions to facilitate continuous development of skills and knowledge base within the team.
- Drove cross-selling efforts by collaborating with various departments within the organization to maximize revenues from existing clients.
- Coordinated marketing campaigns tailored towards target audience segments resulting in increased brand awareness within the local community.
- Implemented risk management strategies to minimize potential losses while maintaining a healthy balance between risk and return on investments.
- Continuously monitored branch performance against key performance indicators, taking corrective actions as needed to ensure objectives were met or exceeded.
- Maintained friendly and professional customer interactions.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Engaged employees in business processes with positive motivational techniques.
- Complied with regulatory guidelines and requirements.
- Resolved various issues impacting sales management and business operations.
- Enhanced branch production rates by handling staff conflicts, evaluations, hiring, and termination processes and coaching employees on company protocol and payroll operations.
- Generated financial and operational reports to assist management with business strategy.
- Examined customer loan applications for loan approvals and denials.
- Boosted sales and customer loyalty through incentive programs.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Submitted loan applications to underwriter for verification and recommendation.
- Complied with established internal controls and policies.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Developed strategic plans for day-to-day financial operations.
- Analyzed business processes to identify cost savings and operational efficiencies.
Personal Financial Consultant- Team Lead
Standard Chartered Bank Zambia
06.2010 - 01.2012
- Enhanced client financial stability by developing tailored investment strategies and retirement plans.
- Built strong relationships with clients through regular communication, trust, and understanding of their financial goals.
- Maximized investment returns for clients by identifying suitable portfolio allocations and implementing risk management practices.
- Increased client satisfaction by providing exceptional customer service and promptly addressing questions or concerns.
- Conducted comprehensive reviews of client accounts to ensure alignment with individual financial objectives and life events.
- Collaborated with cross-functional teams to develop holistic wealth management solutions for high-net-worth individuals.
- Streamlined the financial planning process by implementing efficient tools and software applications for data analysis and reporting.
- Educated clients on various investment products, empowering them to make informed decisions regarding their financial future.
- Assisted clients in navigating complex tax situations, optimizing deductions, and minimizing liabilities.
- Mentored junior associates, sharing knowledge of financial planning principles and fostering a culture of continuous improvement within the team.
- Strengthened client retention rates by consistently exceeding expectations in terms of service quality, attention to detail, and responsiveness.
- Consistently met or exceeded performance metrics, earning recognition for exceptional service delivery and contributions to overall business growth.
- Demonstrated commitment to continuing education by completing advanced certifications and staying updated on industry developments.
- Advised clients on portfolio allocation and various investment types.
- Examined clients' overall financial situation by reviewing income, assets, debts, expenses and credit reports.
- Created debt management plans, spending plans and budgets to assist clients in meeting financial goals.
- Developed and maintained strong relationships with clients to maximize satisfaction.
- Helped clients make informed decisions about financial future.
- Analyzed financial needs of clients and developed tailored strategies to meet goals.
- Educated clients on financial topics and best practices.
- Presented financial plans and investment recommendations to clients.
- Educated clients on potential risks and rewards associated with various investments.
- Advised clients on investments, retirement and estate planning.
- Informed clients of strategies for reducing debt and maximizing savings.
- Researched and evaluated potential investment products for clients.
- Researched current economic trends and investment opportunities to stay abreast of financial markets.
- Created financial models to analyze and evaluate investment strategies.
- Implemented exit strategies for clients to transition out of investments.
Customer Service Supervisor
Standard Chartered Bank Zambia
01.2009 - 06.2010
- Improved customer satisfaction by addressing and resolving escalated issues promptly and professionally.
- Enhanced team productivity through regular coaching, feedback, and performance evaluations.
- Streamlined workflow processes for increased efficiency in handling customer inquiries and complaints.
- Collaborated with other departments to address recurring customer concerns, improving overall service quality.
- Implemented effective scheduling strategies to optimize staff coverage during peak hours and minimize wait times for customers.
- Promoted a positive work environment through open communication channels, fostering team collaboration and high morale.
- Evaluated individual performance metrics to identify areas of improvement, providing targeted coaching to boost results.
- Monitored call center data to assess trends, proactively implementing solutions for identified issues.
- Maintained up-to-date knowledge of company products and services, effectively communicating changes to the team for seamless customer support.
- Conducted regular quality assurance checks on team interactions with customers, ensuring adherence to company standards.
- Facilitated cross-functional initiatives between teams for improved coordination in addressing complex customer needs.
- Leveraged analytical skills to review customer feedback data, identifying areas requiring attention or process improvements.
- Managed escalated calls with diplomacy, successfully deescalating situations while ensuring satisfactory resolutions for both parties involved.
- Spearheaded process improvements within the department that led to reduced response times for incoming inquiries.
- Assessed team performance through regular reporting, identifying opportunities for further skill development and training initiatives.
- Developed and maintained strong relationships with customers to maintain loyalty and satisfaction.
- Conducted training and mentored team members to promote productivity and commitment to friendly service.
- Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
- Coached employees through day-to-day work and complex problems.
- Conducted training and mentored team members to promote productivity, accuracy, and commitment to friendly service.
- Coached team members to deliver hospitable, professional service while adhering to set service models.
- Actively supported service associates by quickly responding to questions via phone and email and finding appropriate solutions to customer issues.
- Set priorities and problem-solved workflow issues to maintain rapport with customers and managers.
- Led regular customer service meetings to review progress identify challenges and provide feedback.
- Monitored metrics and developed actionable insights to improve efficiency and performance.
- Implemented feedback system for customers to provide comments and suggestions to improve service.
- Resolved issues through active listening and open-ended questioning, escalating major problems to manager.
- Coordinated individual duties after careful evaluation of each employee's skill level and knowledge.
- Improved customer satisfaction scores through application of superior conflict resolution and problem-solving skills.
- Kept high average of performance evaluations.
- Developed internal requirements and standards to minimize regulatory risks and liability across programs.
Branch Operations Supervisor
Standard Chartered Bank Zambia
01.2007 - 06.2009
- Improved branch efficiency by streamlining processes and implementing new operational strategies.
- Enhanced customer satisfaction through timely resolution of client queries and prompt assistance.
- Managed daily branch operations, ensuring smooth functioning and adherence to company policies.
- Coordinated with other departments for seamless execution of branch initiatives and projects.
- Mentored junior team members, fostering a culture of continuous learning and professional development.
- Reduced operational costs by optimizing resource allocation and implementing cost-saving measures.
- Conducted periodic audits to ensure compliance with regulatory requirements and internal guidelines.
- Handled escalated customer issues, providing satisfactory resolutions while maintaining professionalism at all times.
- Implemented effective risk mitigation strategies to protect the organization from potential losses due to operational risks.
- Contributed towards creating a positive work environment by encouraging open communication among team members, resolving conflicts promptly, and celebrating shared successes together as a unit.
- Analyzed competitor offerings periodically, staying up-to-date on industry trends to inform decision-making regarding product enhancements or new service offerings that could benefit the company''s customers.
- Managed vendor relations effectively by negotiating contracts, monitoring service quality, and ensuring timely payments to maintain strong partnerships.
- Led and conducted reviews of branch policies and procedures for compliance.
- Reconciled general ledger accounts directly related to operations.
- Completed financial statements and prepared write-up describing financials for executive management.
- Configured general ledger to record transactions.
- Coordinated engagements with outside vendors and assisted with data gathering for auditors, actuaries and consultants.
- Assessed employee performance and developed improvement plans.
- Created strategies to develop and expand existing customer sales, resulting in increase in annual sales.
- Generated financial and operational reports to assist management with business strategy.
- Met deadlines by proactively managing individual and team tasks and streamlining processes.
- Maintained friendly and professional customer interactions.
- Resolved various issues impacting sales management and business operations.
- Forecasted trends and recommended improvements based on financial risk analyses.
- Implemented service improvements to enhance sales cycle.
- Engaged employees in business processes with positive motivational techniques.
- Reduced process bottlenecks by training and coaching employees on practices, procedures, and performance strategies.
- Boosted sales and customer loyalty through incentive programs.
- Evaluated project applications and verified with outline specifications to approve, reject and recommend adjustments.
- Examined customer loan applications for loan approvals and denials.
- Submitted loan applications to underwriter for verification and recommendation.
- Complied with established internal controls and policies.
- Performed banking, business administration and financial tasks to guarantee five-star service for clients.
- Prepared internal and regulatory financial reports, balance sheets and income statements.
- Analyzed business processes to identify cost savings and operational efficiencies.
- Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
- Created financial dashboards to provide insights into key performance indicators.
KYC Officer
Standard Chartered Bank Zambia
01.2005 - 01.2007
- Enhanced client onboarding process by streamlining KYC documentation collection and verification.
- Reduced risk exposure by diligently reviewing client information for potential red flags and escalated issues as necessary.
- Improved efficiency in customer due diligence procedures with thorough knowledge of regulatory requirements and standards.
- Achieved faster turnaround times for client onboarding, conducting detailed background checks and financial analyses.
- Developed strong relationships with internal stakeholders to foster seamless communication throughout the KYC process.
- Conducted comprehensive risk assessments for high-risk clients, mitigating potential threats to the organization''s reputation and finances.
- Maintained accurate records of all client data, ensuring timely updates to reflect changes in risk profiles or regulatory requirements.
- Facilitated productive meetings with clients to address concerns regarding their accounts and KYC-related issues.
- Played a key role in audits by providing well-documented evidence of compliance with relevant regulations and policies.
- Assisted in the development of user-friendly training materials to improve employee understanding of KYC procedures.
- Collaborated effectively with cross-functional teams, contributing valuable insights on KYC policy enhancements.
- Kept up-to-date with industry best practices and emerging trends in AML/KYC regulations, sharing findings with team members for continuous improvement initiatives.
- Recognized for strong analytical skills, identifying trends and patterns in client data to inform risk assessment processes.
- Reviewed, revised and updated compliance policies and procedures to confirm continual compliance with applicable laws.
- Developed and maintained compliance database, tracking all compliance activities and documents.
- Responded to employee inquiries regarding compliance regulations and procedures.
- Maintained up-to-date knowledge of current and emerging compliance regulations.
- Identified, investigated and documented compliance violations and recommended corrective measures.
- Monitored and assessed compliance risks associated with operational processes and procedures.
- Collaborated with internal and external stakeholders, auditors and legal counsel to confirm compliance with applicable laws and regulations.
- Investigated and documented all violations of compliance regulations to determine necessary improvements.
- Managed practical action plans to respond to audit discoveries and compliance violations.
- Collaborated with sales and marketing departments and other business units to address indications of improper sales practices and market conduct violations.
- Created and maintained compliant work environment.
- Identified gaps in existing compliance processes and recommended updates.
- Maintained composure in stressful situations, confrontations, interviews and records searches.
- Advised clients on compliance fraud and investigations, as well as potential remedies and required actions.
- Evaluated and monitored supplier and partner relationships to support compliance.
Education
GED -
University of Zambia
Lusaka, Zambia03.2024
Master of Arts - Economic Policy Management
University of Zambia
Lusaka, Zambia03.2024
Associate of Applied Science - Accountancy
ZCAS University
Lusaka06.2023
MBA - Finance
ZCAS University
Lusaka, Zambia09.2021
GED -
Zambia Institute of Banking And Financial Services
Lusaka, Zambia02.2018
Certificate - Credit Skills Assessment
Moodys Analytics
12.2015
Bachelor of Science - Microbiology
University of Zambia
Lusaka, Zambia06.2003
Skills
- Human Resources Department Processes
- Critical Thinking
- Active Listening
- High Net Worth Individuals Marketing
- Finance and Accounting
- Sales Expertise
- Risk Management
- Training Junior Team Members
- Risk Analysis
- Data Collection
- Corporate Partnerships
- Financial Transactions
- Strategic Financial Planning
- Closing Procedures
- Bank Deposits
- Maintenance Requirements
- Complex Problem-Solving
- Relationship Management
- Correspondence Writing
- Services Marketing
- Client Confidentiality
- Financial Optimization
- Communication Techniques
- Client Needs Assessment
- Professional Relationship Development
- Financial Advising Expertise
- Trend Analysis Expertise
- Cash Flow Projection
- Presentations
Affiliations
Zambia institute of Banking and Financial Services ( ZIBFS)
Zambia Institute of Chartered Accontants
Certification
Credit skills Assessment
Professional Diploma in Banking and Financial Services
Additional Information
References:
Ngoza Lungu
Associate Director- Business Banking
Standard Chartered Bank Zambia
Mobile: +260966653264.
Mwape Kambafwile
Country Head of Sales- Global Markets and Treasury
Atlas Mara Bank Zambia.
Mobile: +260971137102
Muteka Mudenda
Director- Commercial Banking
ABSA Zambia
Mobile: +260967493263
Gift Bwanga Chisala
Head Mid-Corporate
ZANACO
Mobile: +260966374867
Timeline
Trade Finance Consultant
Euro Exim Bank
09.2023 - Current
High Net Worth Sales Cosultant
Prudential Life Assurance Zambia
09.2020 - 09.2021
Business Relationship Manager
Standard Chartered Bank Zambia
01.2017 - 04.2018
Operations Manager
VIHAC Investments Limited
03.2015 - Current
Business Development Manager-SME
Standard Chartered Bank Zambia
01.2015 - 01.2017
Sales Manager
Standard Chartered Bank Zambia
01.2012 - 01.2015
Branch Manager
Standard Chartered Bank Zambia
01.2011 - 06.2012
Personal Financial Consultant- Team Lead
Standard Chartered Bank Zambia
06.2010 - 01.2012
Customer Service Supervisor
Standard Chartered Bank Zambia
01.2009 - 06.2010
Branch Operations Supervisor
Standard Chartered Bank Zambia
01.2007 - 06.2009
KYC Officer
Standard Chartered Bank Zambia
01.2005 - 01.2007
GED -
University of Zambia
Master of Arts - Economic Policy Management
University of Zambia
Associate of Applied Science - Accountancy
ZCAS University
MBA - Finance
ZCAS University
GED -
Zambia Institute of Banking And Financial Services
Certificate - Credit Skills Assessment
Moodys Analytics
Bachelor of Science - Microbiology
University of Zambia
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