Floyd. A. Mashemo

Alternative Protein Support in Fish Sales and Distribution

• Generated eco-friendly strategies to Drive Scale on growth at Achola Fish Point as the Founder and Director in production, market penetration and awareness of pure Lake-Fresh Tilapia and Nile Perch
• In-charge of 5 Fish Shop Points; from production (breeding/fish farming), harvesting, gutting and preparation, transport (cold-vans), distribution and stocking, Sales activation and management.
• Proactively evaluated new market and partnership opportunities, as well as emerging technologies in food distribution value chains
• Use of Customer data and insights to identify potential new fish products, preparation Recipes and channels of market distribution
• Provides leadership, creative and strategic oversight throughout the establishment of the Fish Points/Shops
• Use judgment, influence and gatekeeping to prioritize and stop less viable projects early to avoid unproductive consumption of resources at set up
• Developed product positioning/repositioning strategies for wider consumer-base, while mapping high traffic hybrid locations that incorporate physical foot-flow as well as the use of Social Media as a significant tool for sales growth and larger consumer awareness
• Adopted semi-backward/frontward supply chain integration within the fish Farming and Distribution value chain ecosystem.

Team Lead - Business Innovation & Disruption.

· Generated strategies that deliver Liquidity & Cash Management Revenue lines, ensuring nil income leakage across all transactions within the various bank-segments, while driving digital channels uptake at the bank.

· Drive scale through execution of the ecosystem driver and contributor ambition in select ecosystems, connecting partners/producers and the customers through owned (The Bank) and partner platforms.

· Created awareness of deposit hierarchy and NFI movements

· Identify and mitigate operational, regulatory and business conduct risks relating to cash and cash movement.

· Exploited the intersection of customer value, ecosystems and technology in developing new models of deep customer engagements, new revenue sources, fundamentally disrupting existing business models within the transaction and ecosystem banking and financing model.

· Drive an unconventional approach to establish products, services and lines of business to identify ecosystem driver and contributor opportunities.

· Developed relationships and alliances and establish partnerships to collaborate effectively with key players in order to position the bank to best advantage in the customer ecosystem.

· Researched and understood business and use cases, and translate these customer needs into requirements, including high-level epics and story maps.

· Established strategy that drives customer-centric view into Transaction banking with activities including but not limited to focus groups, customer surveys and voice of the customer.

· Served as the internal ecosystem and indeed platforms thought leader in support of cross functional teams including client solutions, client segments and engineering.

· Proactively evaluated new market and partnership opportunities, as well as emerging technologies

· Be the Change Manager – in the neo-banking and Digitized bank of the future, by ensuring full products and solutions understanding through structured global training with the 93+ branch-network.

· Identify qualifying Anchor-ecosystem hierarchy and devolve support on financing and banking downstream through the Supply and Value chains i.e. Corporate linkages with MSMEs, Government and quasi-government entities.

· Own Key Performance Indicators on Alternative Revenue sources, Low-cost deposit mobilization while increasing wallet share on varied Corporate Relationships.

· Leadership and direction; responsible for the Transaction Banking and Ecosystems team players to ensure team budget in profitability and balance sheet are met.

Team Lead - Business Innovation

· Generate strategies that deliver Business Banking pipeline of products and processes to ensure a sustainable stream of innovative solutions to continuously deliver top line growth by leveraging simple but tested opportunities.

· Manage new SME product and process development projects to maximize speed-to- market and drive organization alignment.

· Use Business Banking customer insights to identify potential new product and process opportunities and market dynamics.

· Provide leadership, creative and strategic oversight throughout the process.

· Use judgment, influence and gatekeeping to prioritize and stop less viable projects early to avoid unproductive consumption of resources.

· Develop product positioning/repositioning strategies for entire portfolio in order to drive retention/ culling decisions.

· Drive new product and process development via collaboration with peers across the organization and working closely with the executive management team.

· Overall in-charge of the Nairobi West & North Eastern Regions Business Banking – overseeing over 33 branches with an SME book size of Kes.39Bn in Risk Assets and Liabilities position of over Kes.76Bn, while maintaining NPL ratios to single digits of 6 - 7%.

· Leadership and direction; responsible for the Business Client Advisors (equivalent to Relationship Managers and Officers) to ensure team budget in profitability and balance sheet are met.

· Creating suitable partnerships with various corporate houses, enabling linkages for cross- sell and Ecosystem targeted and certified approach to the Corporate houses and linked business enterprises, while working closely with bodies such as KAM, KNCCI, Business schools etc, to increase presence and participation in the business enterprise market place.

· Driving Business Banking and business enterprises segmentation and alignment to the bank's business model and strategy through various overseas partnerships, including the IFCs interaction in line with market dictates, while cognitive of the disruptive digital banking space.

· In just 6 months, reduced loan delinquency ratio to below 8% from a high of 23% within the Business Banking unit as Snr. Regional Manager, while enabling standardization of processes and stability of the SME Risk Assets book at over Kes.39.1Bn and liabilities growth at Kes.76Bn from Kes.64Bn.

· Delivered a profitability of Kes.5.7Bn for the Region as at Year end 2020. Coupled with my extensive experience with the Commercial and Corporate clientele, I have gained and continue to apply sound and proven financial support for business growth and profitability.

• Lead in Strategy and Implementation of the Business Banking in planning, Sales and performance monitoring to sustain profitability of the bank's operations.
• Interact with cumulative Risk Assets book size of over Kes.8.4 billion and liabilities of over Kes.3 billion, with NPL ratio below 10% in one institution.
• Leadership and direction; responsible for the Relationship Managers and Officers to ensure team budget in profitability and balance sheet are met.
• Creating suitable partnerships with various bodies such as KAM, KNCCI, Business schools etc, to increase presence and participation in the SME market place.
• Key Achievements
• Established new relationships to foster growth in Bank's market share through building and maintaining quality credit tickets for SME's across varied sectors such as ICT, Manufacturing
• Traders, Professional firms, Transport, Construction (contractor finance), energy (Down-
• Stream Oil & Gas), Green Energy, Exporters and Importers among others.
• Immensely contributed to the bank-book decision making process by providing in-depth and high-quality credit analysis and input at various committee sittings
• This has resulted in sound portfolio management through application of tested monitoring tools within the industry.
• Was fully engaged and contributed towards constant review and Identification of customer banking needs by developing competitive and innovative products that not only suit but provides solutions to the clients’ businesses
• Keen on cross-sell to grow wallet share at first instance.

• Developed, reviewed, and implemented competitive Sales strategies and plan for the Commercial Banking Team with a Risk Assets book size of over Kes 7.1 billion and Liabilities position of over Kes 2.9 billion.
• Reported to and deputized Head of Corporate Banking on all Corporate banking functions under delegated authorities.
• Responsible, as a Team Manager for team budget profitability and balance sheet growth.
• Established new relationships to foster growth in the market share of the Bank.
• Build and maintain healthy portfolio for the Commercial Banking clientele across varied business verticals such as Manufacturing, Energy, Trade (Import & Export) as well as Wholesale, Telcom and ICT, FIs and SACCO's, Medical, Airline, Agriculture among others.
• Undertook regular client visits to monitor and review business performance, determine potential cross-sell and obtain feedback.
• Quality credit paper analysis and review to provide end-approvers deeper insights into the various tickets being tabled at various credit committees.
• Maintain relationships, while anticipating and managing customer expectations to ensure customer satisfaction and loyalty.

• Relationship Management - Sales in Risk Assets and Liabilities overseeing Risk Asset book of over Kes.3 billion and deposit book of over Kes.1.7bn.
• Deal originations through comprehensive proposal write-up/appraisal papers; recommend the same to the Management Credit Committee.
• Participate in product campaigns to ensure product information is readily available to customers; Relevant and solution oriented through extensive research and sharing best business practice.
• Managing and maintaining existing client portfolio and engagement, while growing the numbers with new-to-bank names.

• Corporate Credit Analysis and Evaluation
• Prepared and underwrote credit proposals and review of new and existing client credit papers
• Defend the same at Credit Risk Committee.
• Managing branch and relationship team's incoming credit papers for thorough evaluation and analysis.
• Credit Administration and Monitoring to ensure quality and healthy Risk Assets book is maintained at all times; this is through various reports and tools.
• Evaluation of customer needs and industry activities to ensure alignment with best industry practice.
• Ensured compliance with regulatory framework in credit appraisal in policies and procedures, raising relevant reports and co-ordination.
• People-wise skills growth, managing credit support team to deliver exceptional credit administration to the bank.

• Business Accounts Relationship Manager - Assets book size of Kes.657m, and liabilities book of Kes.128m.
• Sales - Identifying and attracting new clients for risk assets as well as liabilities to the bank.
• Daily monitoring of risk assets book to ensure minimal delinquency.
• Quarterly product and price reviews, establishing highly competitive products in the market.

• Credit Risk Management; Daily monitoring and control of excesses and loans in arrears, raising adverse and unauthorized positions to Risk Manager.
• Follow up of impaired Credits; ensure daily improvement of debt collection in line with
• CBK prudential guidelines and Bank's Credit Administration policies.
• Debt recovery: call on customers, visits and follow up for payments.
• Institute relevant precipitate action.