Kenneth Kamwetsa Mbewe

Responsible for managing the overall functioning of the entire Country’s operation and identifying opportunities for expanding and developing the business.

Responsibilities: • Overseeing the operations of Mukuru in Malawi including logistics, recruiting staff, creating budgets develop new business and ensure profitability. • Ensuring new business/sales activities secure additional funding and commercial finance in line with strategic aims • Ensuring marketing activities support the securing of new business, the engagement of learners, raising brand awareness and driving public relations • Reviewing operating processes and procedures to ascertain if they are successful and if not, devise alternatives through the system improvement process • Evaluate overall performance by gathering, analysing and interpreting data and metrics • Keeping employees motivated and organising appropriate training and development in line with the company succession plan and training matrix • Ensuring Legislation is adhered to including though not exhaustive: Health and Safety, Data Protection, Employment Law, Corporate Governance • Working with all Managers to get the best performance from employees • Meeting with customers and suppliers to ensure contracts are being fulfilled and re-negotiated as necessary

Achievements: • Led the planning, execution, performance measurement, and reporting • Led process improvements after the Asset Purchase Agreement and supervised components • Led and performed operational due diligence from the start of the new chapter • Identified and applied new synergies and sources of value enhancement in the Mukuru - Zoona APA • Design and lead operational initiatives to achieve value • Quantified and reported on the success of different departmental initiatives • Tracked success of initiatives against targets and recommend integration plan changes as needed • Effectively communicated with and influenced key operational stakeholders while aligning the team around new targets & goals.

Achievements: • Steered the company to a successful Asset Purchase Agreement to Mukuru • Directed all aspects of business including business development, client services and operations for a company generating $1.4k in yearly revenue • Represented the company and presented at industry workshops and conferences including the yearly Bankers Association of Malawi conference in 2019. • Turned around the business into a positive spin the first 6 months of stepping in as the MD • Led, supported and motivated the whole team through the period of the sale and successfully renegotiated for their contracts under a new team including the retrenchment and compensations

Achievements: • Spearheaded the team restructuring process to re-align with the company goals. • Developed & executed the Rural expansion plan that saw 100 new retails agents on boarded in a space of 6months. • Led the team in executing a new strategy in Zambia (Chipata) by cleaning up the Eastern province. • Hired staff members for Zambia team to help with Chipata recovery program • Managed over 12 employees, including hiring new field team, promotion on regional managers, employee morale programs, annual reviews and terminations • Managed the Country’s yearly budget & forecasting • Achieved the budgeted business performance in terms of both revenue, expenses & cashflow. • Engaged and customer focused team a Positive relationship with key SA teams • Spearheaded marketing initiatives for promotion of our DMT services.

Achievements: • Achieved an average of 15% month on month revenue growth through different cost cutting measures and streamlining of in field activities for field staff by mentoring and ongoing coaching and monitoring. • Setup and designed the new company offices that were setup across the 3 regions. • Proactively managed and reviewed the performance and progress of Regional Leads/Managers and their regions, sets objectives and targets; and developed individual training plans for the team. • Translated the strategic goals into executional operational plans to achieve the required targeted growth in both sales and revenue. • Developed a strategic method to disburse payments to local landlords by restructuring the whole process and cutting off unrelated links. • Prepared monthly/quarterly & annual reports on performance, gaps, planned activities and achievements to management • Developed a Training plan and managed to train over 300 agents and 500 tellers in the process to ensure business alignment. • Built a communication bridge that ensured constant alignment between the HUB and Spoke team. • Demonstrated exceptional team building capability which ultimately lead to maximum financial performance and employee satisfaction. • Directly trained and managed 7 supervisors while leading a total staff of 75 team members.

Achievements • Achieved regional agent network growth from 0 franchise agent outlets to 250 outlets in 24 months years. • Earned TOP Performer awards for 4 consecutive quarters and was enrolled to do a development program by the company. • Provided end to end in market support for the portfolio which resulted in net revenue growth and volumes. • Manage & reconcile SKU stock at the distribution centers as per the agreed company policy. • Managed to establish strong relationships with additional partners like Agora and extended the network reach across the region • Achieved 95% daily activity ratio • Onboarded and Trained more than 500 agents & tellers • Developed and implemented performance improvement programs for top and bottom agents across the region. • Negotiated lower rental costs with key account partners like peoples & Agora for low performing outlets and proposed a revenue share for top performing outlets.

Achievements: • Developed a process to merge data and analysed sales trend and marketing & promotions effectiveness. • Built from scratch the initial corporate website and created the social media presence. • Tracked Customer Outlets and manage key customer outlets. • Provided daily/weekly & monthly reports