ANDREW KABEKE

• Introduced new methods, practices, and systems to reduce account opening turnaround time from 3 weeks to 4 days.
• Managed budget implementations, employee evaluations, and contract details for 56 staff.
• Maximized operational excellence mentoring personnel on management principles, industry practices, and company procedures.
• Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures, and technology systems.
• Support group (Ke, Ug, Tz, Rw, DRC and SS) on matters diaspora banking and remittances growing remittance business to Kes 2.5B daily.
• Reviewed technical process flow to enhance the transaction flow and improve quality of service across the group.
• Collaborated with cross-functional teams to develop innovative solutions
• Provided strategic oversight of marketing and promotional campaigns to keep campaigns aligned with overall goals and objectives
• Provided thoughtful guidance to personnel in navigating and resolving snags in productivity
• Negotiated price and service with customers and vendors to decrease expenses and increase profit
• Maximized efficiency by coaching and mentoring personnel on management principles, industry practices, company procedures, and technology systems

• Established the bank's IMT product proposition
• Grew the payments eco-system from 12 partners to 50
• Digitizing 66 government parastatals
• Driving the bank's digital strategy agenda
• Adding partners to the banks digital platform to utilize the payment rails
• Formulate digital products to increase the shareholder value.
• Developed strong communication and organizational skills through working on group projects
• Team leader in group projects, delegating tasks and providing feedback
• Assisted with day-to-day operations, working efficiently and productively with all team members

• Grew IMT revenues by 544% between 2020 to April 2023
• Grew IMT partners from 6 to 17 (Western Union, Money Gram, Transfast, Ria Financials, World Remit, Smallworld, Terrapay, Thunes, MFS Africa, Dahabshiil, Golden Money Transfer, Gulf Exchange, Xpress Money, Orobopay, AZA Financials, DLocal, Global Money)
• Rolled out digital IMT for the bank
• Rolled out IMT on APP (Western Union is live)
• Introduced and rolled out regional IMT
• Effectively managed a team of 6 increasing efficiency and productivity per individual
• Graded as Generally exceeds targets in 2021 and 2022
• Introduced digital outbound Responsible for the IMT product proposition for the bank
• IMT Partner Engagement (KYC, Compliance, Risk analysis) and relationship management
• Developed, owned, and drove the IMT strategy for the bank
• Managed 7 IMT team staff members.
• Credit analysis and scoring of partners to assess settlement capability
• Engage internal teams for IMT project delivery (IT, Finance, Reconciliation, Treasury, Legal)
• Examined quarterly financials to determine business operating capacity

• Engaged and managed global (Finablr, Western Union, Ria Financials) partners for the group (across Africa) negotiating of contract terms and successful roll out of their products across Airtel African markets
• Engaged internal teams (IT, Operations, retail, legal, marketing) to ensure successful delivery of IMT products
• Developed high-impact strategies to target new business opportunities and markets
• Grew cross border (company to company) across all African countries
• Engaged and managed key regional IMT aggregators (Thunes, MFSAfrica, Homesend, Terrapay etc) by negotiating contract terms and successful roll out of products across Airtel African markets
• Grow partnerships with other mobile network operators to facilitate and grow IMT business
• Reduced total time for monthly and quarterly reports by 13% through implementation of new procedures and enhanced the quality of management reports
• Transaction monitoring and API monitoring for uptime.
• Provided professional services and support in a dynamic work environment
• Identified issues, analyzed information and provided solutions to problems
• Worked flexible hours across night, weekend and holiday shifts
• Skilled at working independently and collaboratively in a team environment

• Overseeing the business budget achievement from a business perspective
• Engaging existing clients with the aim of retaining and growing existing business
• Market analysis to identify strategies to use and lead the team in implementing the same to grow various business line
• Product development of digital solutions for financial institutions (SCB, World Bank, HF, IBoS, WFP) and launching the same in the market
• Relationship management of clients
• Engagement with the card operation teams and holding monthly meetings with clients to ensure all settlements are done on time and as required

• Identify client business requirements through relationship management and various engagements
• Drive digital business solutions for existing and new clients
• Support client digital transformation by developing localized and customized solutions intended to drive revenues for the clients
• Drive the Interswitch digital strategy for the region
• Manage relationships with key solution partners
• Engagement with the card operation teams, transaction monitoring and holding monthly meetings with clients to ensure all settlements are done on time and as required.

• Sales driven role with the following key roles
• Sales to existing and new clients
• Relationship management of all clients
• Product development for clients and project delivery
• Closely working with the following departments: product development, marketing, project delivery and shared technology to deliver client solutions
• Portfolio management: Managing and growing business (wallet share) for all customers under the financial management portfolio.

My Main responsibility was to oversee the MTS and VAS (mobile banking, internet banking, bulk payments, MPesa) department, ensuring net profitability and growth of the business on a quarterly, half yearly and annual basis, address escalated clients concerns and provide leadership and guidance to the team of 7 reporting to me.

Deliverables were split into strategy (departmental), Revenue, Marketing, Human Resource & training and Reconciliation & settlements.

This role entailed overseeing the growth of the following products in the bank;

• Remittance - Recruitment, Compliance review, Set-up and relationship management of various International Money transfer entities and sub-agents
• Mobile banking - Vendor management, Product formulation, Customer enrolment, Revenue and usage growth for the channel
• Internet banking - Vendor management, Product formulation, Customer enrolment, revenue growth and increased channel usage
• Bulk payments (Paynet) - Customer enrolment, revenue growth, cost minimization and increased channel usage
• MPesa - Agency and Sub-agency model
• This involved customer enrolment, revenue growth, partner management and increased channel usage
• The above included Risk review of the partners and vendors, Credit analysis of the partners, Credit analysis of customers seeking funds to make bulk payments, Compliance review and checks of the partners & vendors, Contract reviews in conjunction with legal, application installations, branch engagements, project management for service delivery, cash flow management for the customers seeking collection and disbursement services and regulator engagements.

• Entrusted with managing the money transfer services for the bank Ensuring Revenue growth from money transfer services fostering partnerships and managing the relationship with international and local partners
• Growing the agency model by recruiting sub-agents with the aim of increasing revenues
• Training the branches
• Engaging the regulator on new products being developed.

• Formed a product dubbed TPM (total Peace of Mind) and my responsibility was to sign up clients, gather market intelligence on how to improve the product and increase brand visibility.

• Responsibility to grow the money transfer business by identifying a niche market, developing the product, project delivery, settlement of remittance partners, creating relationships for sub-agency & with international partners, staff management, direct sales to remittance clients, client relationship management.

• Grow revenues for the money transfer business for the bank which was achieved through staff training, regular report generation and analysis to management, recruitment of sub-agents, ensuring branding across outlets
• Played a key role in the preparation of the BCP and anti-money laundering policy.

• Preparation of reconciliation documents for locations allocated to me, preparation of timely weekly and adhoc reports.