Victor Silavwe

• Directed and executed nationwide strategy for self-service delivery (CashPlus Agency Banking, ATMs, ADTs) to expand point-of-presence footprint and optimize cost-to-income ratios. Oversaw recruitment, onboarding, training, and maintenance for CashPlus agents, integrating activation mechanisms and FMCG merchant ecosystem. Managed multi-vendor SLAs (G4S, Armaguard, Necor) and technical controls, ensuring optimum network availability and group forensic compliance. Direct GL reconciliations across all ATM/ADT endpoints to mitigate financial loss and ensure sound operational governance.
• Led cross-functional teams to develop strategic banking initiatives.
• Managed operational budgets and resource allocations effectively.
• Oversaw compliance with regulatory requirements in banking operations.

• Led pan-African and national sales initiatives across retail banking segments to achieve target balances across defined asset and liability portfolios.
• Negotiated and closed high-value Corporate and Commercial (CCIB) MOU and scheme agreements to enhance partnership opportunities.
• Formulated annual sales forecasts, balanced scorecards, and incentive programs while overseeing campaign execution budgets to align sales strategies with business objectives.
• Coached regional sales teams, streamlined customer onboarding processes, and established market intelligence frameworks to increase active account bases.
• Managed a diverse team of sales representatives, ensuring alignment with company goals.
• Analyzed market trends to identify new sales opportunities and customer needs.

• Managed daily sales operations and service delivery for banking products.
• Oversaw staff training and development to enhance customer service skills.
• Streamlined cost structures, aligned staffing strategies, and initiated local leadership roadshows to enhance team capacity and performance.
• Coordinated marketing initiatives to promote financial services and products.
• Oversaw P&L, service delivery, audit compliance, and credit monitoring in branch and ATM networks to ensure operational integrity.

• Led branch operations, managed client relationships, and achieved sales targets while fostering a sustainable service culture.
• Led daily branch operations to ensure efficient service delivery.
• Managed staff schedules to optimize team performance and coverage.
• Developed training programs for new employees to enhance skills and knowledge.

• Scaled Mkushi branch loan book by 200% and increased Kapiri Mposhi branch profitability by 900% through aggressive customer acquisition and cost management.
• Directed branch operations, managed relationships, and delivered sales targets while enhancing service culture.
• Achieved Green Audit ratings and secured top-tier performance accolades through commitment to excellence.
• Achieved Green Audit ratings and consistently earned top-tier performance accolades.

• Maintained system functionalities to ensure seamless branch operations.
• Conducted monthly self-audits to uphold performance standards.
• Recorded green audit at Mkushi branch, identifying areas for sustainability improvement.
• Acted in absence of branch manager, ensuring uninterrupted leadership.
• Analyzed systems reports to identify and resolve operational issues.
• Received multiple 'Star' and 'A-Performer' ratings for outstanding performance.

Facilitated communication as the main point of contact between HQ and branch, aligning operations.

Processed cheques for financial operations to ensure timely payments. systematically to support financial operations.

Executed instruction processing for accurate account reconciliations and timely cheque processing.

Oversaw petty cash issuance and custodial duties, maintaining strict adherence to financial protocols.

Resolved customer complaints through effective communication strategies.

• Assisted customers with account inquiries and transaction issues.
• Provided customer support for banking services and products.
• Cash receipt and payments, Resolved customer queries, enhancing satisfaction and loyalty, Inter Bank cheque clearing, Facilitated account opening for clients, streamlining onboarding process, Managed loan processing for timely approvals and Managed query and complaint resolution.