I have over 20 years of field and management experience, in the micro-finance, bank and agri-business sectors. I have experience working in countries including: India, Tanzania, El Salvador, Kenya, Uganda, Rwanda, Mozambique, Ghana and Nigeria. I have strong experience in driving high value revenue & profit gains, and improving organizational productivity and performance.
AREAS OF EXPERTISE: - New Product Development - Product Roll Out - Strategic Development - Business Model Design - Credit Risk Management - Operations Management - Staff Training and Mentoring PERFORMANCE MILESTONES: 1. Letshego Holdings Ltd: • Successfully increased Portfolio from $43Mn to $94.5Mn and Net Operating Margin (NOM) from (-) $1.5Mn to $5.4Mn in a span of 3years. • Put in distinguished efforts in handling product development for the credit process, including launching & rolling out the EducationFinance segment, Low Cost Housing Finance, MSME targeting “Missing Middle”, SCF Ag Finance across Nigeria, Kenya, Uganda and Tanzania, Ghana and Mozambique within <three years. • Significantly contributed in collaborating and rolling out in Renewable energy space in Kenya, Tanzania and Uganda and the Biogas segment across Tanzania. __ 2. FINCA International Inc.: • Credited for successfully launching the Rural Group Lending program (focused on Agriculture activities) in both subsidiaries in FINCA Tanzania and FINCA El Salvador under USDA project and Credit Suisse project. • Built & maintained a client base of 28K with a portfolio of $3.9Mn in a single year __ 3. Arohan Financial Services Pvt. Ltd: • Imparted great contribution in pioneering MSME business across West Bengal significantly increasing customer base with delinquency rate of 0.50%. ___ 4. National Bulk Handling Corporation Ltd: • Implemented ‘concept selling’ for entire commodity management right from procurement, warehousing, bulk handling, grading, commodity care, pest management and raising finance from banks against warehouse receipt. • Recognized as the ‘Best Performer’ (quality as well as accurate reporting) ___ 5. Axis Bank Ltd: • Won the highest agriculture retail accounts in the eastern zone in 2005 – 06 with a disbursement portfolio of $9.2Mn and a delinquency of 2.25%.