Sixteen years, one direction, growth

Director level sales leadership across commercial, SME and agricultural sectors

Key achievements

• Leads strategic initiatives to drive sustainable profitability, balance sheet growth and the execution of key business priorities across commercial, SME and agricultural sectors.
• Portfolio also encompasses Asset Based Finance, Merchant Services and Trade Finance, with a focus on expanding lending opportunities and growing transactional banking revenues.
• Works collaboratively across business units and support functions to translate organisational strategy into measurable commercial outcomes, optimise revenue opportunities and strengthen the bank's competitive positioning.
• Committed to sustainable growth through innovative, client centric financial solutions that support business expansion, enhance financial inclusion and contribute to national economic development.

Lead nationwide agribusiness strategy, managing a team of specialists and relationship managers to drive profitability, execute strategic priorities, and structure high value agricultural and climate finance transactions

Key achievements

• Originated and structured 3 large scale agricultural transactions totaling USD 44M, supporting 15,000+ smallholders, 2,500+ farmers, and multiple commercial agribusiness clients across Zambia.
• Closed a USD 21M soybean financing facility, enabling procurement from 15,000 smallholder farmers for oil crushing and strengthening national agricultural supply chains.
• Delivered a USD 10M milling modernisation and USD 13M irrigation and solar financing, improving production across 2,500+ farmers and advancing climate smart agriculture initiatives across multiple regions.
• Implements the bank's year on year strategic focus to achieve set goals, driving profitability through product sales across the country.
• Leads origination and structuring for commercial clients and strategic projects in agribusiness and climate smart finance.

Directed regional commercial banking operations for business clients up to GBP 12.5M turnover, driving sales strategy, client value optimisation, risk compliance, and team performance across the Northern Region

Key achievements

• Spearheaded commercial strategy execution across the regional portfolio and three core growth pillars, aligning sales, acquisition, and retention initiatives for clients up to GBP 12.5M turnover.
• Optimised client portfolio quality by guiding multiple relationship managers and support staff, ensuring delivery of compliant and profitable business aligned with bank wide credit and risk frameworks.
• Instituted structured business planning and performance management across the region wide team, embedding compliance culture, enhancing service delivery, and executing multiple strategic initiatives within ten months.

Drove agribusiness growth through credit risk leadership, stakeholder engagement, and execution of long term agricultural strategies across primary and secondary markets

Key achievements

• Co-developed a five year agribusiness strategy, reversing a 12 percent decline into sustained positive growth, expanding both primary and secondary agricultural portfolios across Zambia.
• Accelerated agribusiness expansion from a minus 7 percent baseline to strong double digit growth, strengthening market share across two key segments and onboarding hundreds of new agricultural clients.
• Secured and executed a USD 10M DFC backed guarantee facility, while serving as a key technical lead on the USAID EDGE Project and national e-voucher programme, enabling financing access for hundreds of SMEs and farmers.
• Maintained a healthy pipeline through regular visits to farmers in rural communities, building customer experience in the field, not only in the branch.

Strengthened agricultural credit portfolio through risk assessment, stakeholder engagement, and targeted business development initiatives across regional markets

Key achievements

• Designed and executed one comprehensive marketing and lead generation strategy, producing 200+ agricultural leads annually and expanding the bank's agribusiness client base.
• Rehabilitated 30+ intensive care credit accounts, restoring portfolio health and minimising losses during multiple high risk agricultural cycles.
• Advised on 100+ credit proposals, delivering technical, financial, and economic insights to commercial and administrative teams while engaging multiple sector stakeholders.

Led development and scale up of agriculture insurance solutions, including weather index and multi peril products, expanding coverage across commercial and smallholder segments

Key achievements

• Scaled agriculture insurance portfolio from USD 50K to USD 5M within 12 months, establishing one fully operational agriculture underwriting unit.
• Underwrote risk for 100+ farms and agribusiness schemes, covering commercial entities and smallholder linked programmes across multiple regions.
• Forged partnerships with 10+ government and donor organisations, expanding insurance access to thousands of rural farmers.
• Developed weather index and multi peril crop insurance products, and conducted risk assessment and underwriting for commercial farms, agribusiness and smallholder linked schemes.

Managed agriculture risk portfolio and expanded underwriting capacity, securing reinsurance backing and scaling portfolio growth over a 24 month period

Key achievements

• Administered agriculture insurance portfolio covering 500+ farming clients, maintaining risk ratios within 10 percent variance across two underwriting cycles.
• Expanded agriculture book by 25 percent over 24 months, onboarding 100+ new policyholders and increasing premium volumes year on year.
• Secured one major reinsurance treaty with Swiss Re, strengthening risk capacity by 30 percent and enabling larger deal underwriting.

Implemented large scale rural development and economic strengthening programmes under two major initiatives, ADAPT and STEPS OVC, focusing on agro enterprise, financial inclusion, and community resilience

Key achievements

• Trained and certified 91,000+ agro dealers and farmers across 9 districts, strengthening national input distribution systems and improving food security outcomes.
• Collaborated with 20+ private sector suppliers and financial institutions, designing sustainable input credit mechanisms for thousands of smallholder beneficiaries.
• Built capacity of 200+ partner staff and community groups, while contributing to one monitoring and evaluation framework, conducting multiple field evaluations, and supporting delivery of one USAID funded three year programme.