Resume PM

CAROLINE ROBERT ******

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PRODUCT DEVELOPMENT, PROJECT MANAGEMENT, RELATIONSHIP MANAGEMENT,
CUSTOMER SERVICE, BUSINESS ANALYST, BUSINESS ACQUISITION & DEVELOPMENT,
PORTFOLIO MANAGEMENT, CREDIT AND RISK ASSESSMENT & AGILE-SCRUM.

An organized and result-driven individual with a proven track record of success with cross-
functional teams in the banking industry for 7+ years.

SKILLS

:

▪ Business Process
▪ Business Analyst
▪ Communication Skills
▪ Portfolio Management
▪ Relationship Management
▪ Sales Management
▪ Product Development
▪ Risk Management
▪ Strategic Planning
▪ Project Management
▪ Management
▪ Managing Conflicts
▪ Interpersonal
▪ Scrum Master

EDUCATION & CERTIFICATES

:

▪ Masters’ degree in Business Administration -1

st

Class Honours {Management}

KHARKIV NATIONAL UNIVERSITY OF ECONOMICS - UKRAINE

▪ CERTIFIED SCRUM MASTER – SCRUM ALLIANCE
▪ LAW DEGREE {LLB} TUMAINI UNIVERSITY DAR ES SALAAM -TANZANIA

EXPERIENCE:

First National Bank Product Specialist & Portfolio Manager– Tanzania {June 2016 –
September 2019}

Product Development, Strategy, and Planning, Project Management and Business Process

▪ Introduced First National Bank to Insurance Premium Finance (product), with

Tanzania becoming the first country to introduce it. This included the product's

definition, feasibility, growth, validation, implementation, and assessment (IPF).

▪ Develop and implement an overall Business Plan, Project Management, and

Business Process for Insurance Premium Finance and other Insurance products

across the entire organization focused on business targets as per the bank’s

strategy and insurance partners. 

▪ Have a clear understanding of market trends around the organization to capitalize 

on the Bank's clients' diverse product/service needs. 

Credit, Financial and Performance Management 

▪ Responsible for Insurance Premium Finance ROI and other Insurance 

products by building strong working relationships across the industry 

and guiding IPF operations across channels and divisions to meet 

consumer, business, sales, and benefit goals. 

▪ Active partnership management with all insurance agencies to ensure that the 

sales networks are running smoothly and meeting stakeholders' goals. 

▪ Risk management entails ensuring that laws, procedures, and regulations are 

followed, as well as finding areas of concern/loopholes in day-to-day processes 

that could lead to avoidable failure and developing a remedial system. 

▪ Monthly reporting of Insurance Premium Finance financials and Non-Interest 

Revenue. 

▪ Involved in the establishment and effective management of the Premium 

Finance portfolio by preserving and expanding the bank's market share in IPF 

and other insurance products. 

▪ Presentation of the client's IPF credit application to the members of the Senior 

Credit Committee for analysis, assessment, and approval. 

▪ Ensures the bank's investment in its customers through Insurance Premium 

Finance is of exceptional and authentic credit quality. 

Business and Market Intelligence 

▪ Active Business Analysis and review of all customer bases to understand customer 

profiles, product holding mix, revenue contribution.

▪ Keeping abreast of market competition, industry practices, and best practices to 

continuously improve overall business performance. 

Relationship Managing and Portfolio Management 

▪ Develop a strong strategic relationship with the right customers and senior 

stakeholders to gain a thorough understanding of the business direction, focusing 

on their Insurance and Premium Financing requirements.

▪ Develop new banking relationships with business prospects and provide service to 

existing clients. 

First National Bank – Tanzania {July 2013 – May 2019, Relationship Manager- Retail}: 

▪ Collaborating with Commercial and Cooperate Relationship Managers across 

the bank to develop and implement customer-centric strategic marketing 

plans. 

▪ Asset growth and portfolio management. 
▪ Understanding of the bank's credit policy, client eligibility, and all necessary 

business practices to ensure accurate and complete scheme loan packages. 

▪ Understand the client’s business environment, strategies, and industry to better 

determine their credit requirements, identify potential new business opportunities, 

and provide need-based solutions. 

▪ Risk Management
▪ Maintain a minimum Non-Performing Assets (NPA) ratio per departmental 

standards. 

▪ Relationship management by providing exceptional quality service to all clients. 
▪ Recommend innovative enhancements to our offerings and service delivery to 

clients. 

Standard Charted Bank – Tanzania {January 2012 – June 2013 Customer Service Officer} 

▪ Customer Service: Deliver a consistent customer experience while providing 

high-level individualized service to an assigned portfolio of branch customers. 

▪ Sales & Marketing: Identify and acquire new & existing profitable customers 

▪ Risk Management: Ensure proper procedures to avoid potential loss. 
▪ Additional Duties: Department Service champion - preparing client 

communications, registering clients on self-service channels (e-channels), and 
assisting them when they encounter technical difficulties. 

National Social Security Fund – Tanzania {Feb 2010 – March 2011, Legal Intern} 

▪ Drafting of Legal documents, and working closely with Legal Managers. 

Ifakara Health Institute – Tanzania {March 2008 – September 2008, Volunteer Research 
Assistant} 

▪ Participated in training and a pilot study for the Bill and Melinda Gates 

Foundation's health project for children under the age of five in Dar-es-
selected Salaam's areas. 

LANGUAGES:

▪ English – {Writing, Reading, Listening & Speaking – Fluent 
▪ Swahili – {Writing, Reading, Listening & Speaking - Native 
▪ Russian – {Writing, Reading, Listening & Speaking - Basic 

REFERENCING

: 

David Carol Nchimbi

Managing Partner

Deloitte & Touche 

Cell: +255 ************ 

Email: 

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Dominic O Osumo 

Group Managing Director 

ARIS GROUP

Dar es Salaam 

Cell: +255 767 988 944 

Email: 

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Sylvester Selepe 

Regional Head Commercial Coverage – Capetown, South Africa 

Rand Merchant Bank

Cell: +27 83 473 5524 

Email: 

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