Jean Damascene Mutabazi
Kigali
Summary
I am a certified Banker, certified Risk Manager and certified compliance Professional, with 15 years of experience in banking of which 11 years at senior management positions. During this period, I have acquired extensive knowledge and experience in Credit Analysis, Financial statement Analysis, risk management, deal structuring, compliance, Investements and data analytics has been instrumental to the whole journey. I am committed, and hard-working person, carrier oriented and always striving for overall success with continuous improvement in mind and account to high integrity standards. My objective is to develop my carrier and help other develop theirs.
Overview
14
14
years of professional experience
1
1
Certification
Work History
Director of Credit
COGEBANQUE PLC
09.2022 - Current
- Improved credit department efficiency by streamlining processes and implementing new technologies.
- Developed strong relationships with clients, ensuring timely payments and minimizing delinquencies.
- Collaborated with sales and marketing teams to develop strategic plans for customer acquisition and retention.
- Managed a team of credit analysts, providing guidance and support to ensure accurate risk assessments.
- Enhanced overall portfolio quality by conducting thorough reviews of existing client accounts.
- Provided ongoing training for credit department staff, fostering professional growth and development among team members.
- Implemented credit scoring models to facilitate faster decision-making processes while maintaining low default rates.
- Optimized credit policies and procedures in accordance with industry best practices, resulting in improved risk management capabilities.
- Evaluated emerging market conditions/trends regularly in order to refine lending strategies accordingly based on anticipated shifts within the industry landscape.
- Spearheaded initiatives aimed at achieving regulatory compliance, minimizing operational risk exposure across the organization.
- Balanced risk/return considerations carefully while making critical decisions concerning loan approvals, extensions, and modifications.
- Negotiated settlements and payment terms with customers and delivered customized payment plans.
- Obtained and interpreted financial statements to assist in credit limit reviews.
- Conducted financial due diligence on potential investments and acquisitions.
- Collaborated with C-level executives and stakeholders to develop long-term financial plans.
Head of Risk and Internal Control
COGEBANQUE PLC
01.2017 - 08.2022
- Assisted the Board of Directors, Board appointed committees to discharge their Risk Management responsibilities including Credit.
- Actively participated in the set up and implementation of strategy especially on pillars related to credit risk management and risk management is general.
- Developed the Risk appetite policy for the bank in general and specifically on market risk and credit
- Developed and implement the Risk Management Framework including credit risk management.
- Proactively participated in credit meetings and provided advisory support on risk taking, structuring and decision making.
- Conducted regular credit portfolio assessment and advised the Board Risk Committee on required course of actions.
- Developed and Implemented the Information security strategy and resilience framework.
- Driven the setup of Bank's policies.
- Established and maintained risk awareness culture in the Bank.
- Developed and implemented the Business continuity plan.
Provided regular reporting to the board (through the board committees) and executive management (through the management committees) on significant
risk issues. - Proactively participated in Executive Committee discharging of its functions.
Head of Risk and Compliance
Ecobank Rwanda Ltd
01.2015 - 01.2017
- Developed and implemented the Enterprise Risk Management Framework including Credit Risk Management.
- Developed, initiated, maintained, and revised policies and procedures related to lending and credit risk management.
- Put in place the recovery strategy and chaired the committee in charge.
- Developed and periodically reviewed credit portfolio and advised the Board of course of actions required.
- Provided regular reports to the Board, related to the credit risk management.
- Revised the Credit policy.
- Member of Executive Committee
- Proactively participated Executive Committee meetings and helped create new practices in discharging its functions.
Head of Risk, Compliance and Internal Control
Access Bank Rwanda Ltd
01.2013 - 01.2015
- Develops, reviews and updates the Enterprise Risk Management Framework including credit risk.
- Develop and implement methodologies for identifying, assessing, monitoring,controlling and reporting credit risks.
- Proactively participated in Credit Committee meetings and provided advisory support in deal structuring and decision making.
- Developed, validated and implemented credit Risk ratings models.
- Ensured company-wide compliance with established credit policies.
- Ensure full compliance with all regulations in the lending process.
Establish and ensure compliance with processes and systems for regulatory requirement of Know Your Customer.
Managed relationship with regulatory/supervisory bodies of the bank
Provided leadership support to direct subordinates and coordinate work efforts. - Implemented Group wide initiatives including those related to credit risk management and lending.
- Ensured compliance culture was embedded in all staff.
Ensure Business Continuity activities and test are done regularly. - Fraud Investigation and reporting
Team Lead Compliance and Internal Control
Access Bank Rwanda Ltd
01.2011 - 01.2013
Compliance and Internal Control Officer
Access Bank Rwanda Ltd
08.2009 - 03.2011
Education
Masters In Business Administration- Project Management -
Mount Kenya University
01.2022
BBA Finance -
School of Finance and Banking
01.2010
A level -
Secondary school at Lycee De Rusatira and Groupe Scolaire Ociel De Butare
01.2005
Skills
- Risk Management
- Business Continuity
- Investment in Fixed income securities
- Analytical Thinking
- Compliance
- Banking
- Credit Risk management
- Asset and Liability Management
- Cash Flow Management
- Debt Restructuring
- Negotiation Abilities
Additional Information
I certify that the information given above is accurate and true
Languages
English
French
Kinyarwanda
Certificates Courses
- July 2022: Enterprise Risk Management (Intelisys)
- May 2022: Valuation and Risk Management in Banking Programme (INSEAD)
- November 2019: Business Process Improvement
- January 2019: Certified Risk Specialist course (Certified Risk Analyst Qualified member)
- February 2018: IFRS9 Credit Risk Modelling (Certificate)
- September 2017: Certified Risk Managers Course (Certified Risk Manager Qualified member)
- May 2017: Risk Management Framework (Certificate)
- April 2016: Leadership and Management Program: (Certificate)
- February 2014: Certified Compliance professional (Certified and Qualified member of CCP)
- October 2013: Policing Together with Transnational organized crime (Certificate)
- September 2013: Leadership training by Professional Gems (Certificate)
- September 2013: Transforming Frontline for word Class Service Delivery by Professional Gems (Certificate)
- May 2013: Risk Based Approach by DOWNTONHILL (Certificate)
- September 2011: Fraud and forensic Investigation (Certificate)
- From March August 2011: Attended Entry Level Training for Bankers Conducted by (School of Banking Excellence) Access bank Plc. at Lagos-NIGERIA. (Certified Banker)
Personal Information
- Title: BANKER
- Date of Birth: 09/04/86
- Nationality: Rwandese
References
- PATTISON BOLEIGHA, GROUP HEAD CONDUCT AND COMPLIANCE AT ACCESS BANK PLC, +2348022924308, pattison.boleigha@accessbankplc.com
- HABUMUGISHA DENIS DADOU, HEAD OF OPERATIONS AT NBR, +250788314455, hdadou2@gmail.com
- SAMUEL NSANZIMANA, HEAD OF INTERNAL AUDIT ECOBANK RWANDA, +250788760519, SNSANZIMANAecobank.com
Certification
- Certified Banker
- Certified Risk Manager
- Certified Compliance professional
- Certified Risk Analyst
Timeline
Director of Credit
COGEBANQUE PLC
09.2022 - Current
Head of Risk and Internal Control
COGEBANQUE PLC
01.2017 - 08.2022
Head of Risk and Compliance
Ecobank Rwanda Ltd
01.2015 - 01.2017
Head of Risk, Compliance and Internal Control
Access Bank Rwanda Ltd
01.2013 - 01.2015
Team Lead Compliance and Internal Control
Access Bank Rwanda Ltd
01.2011 - 01.2013
Compliance and Internal Control Officer
Access Bank Rwanda Ltd
08.2009 - 03.2011
Masters In Business Administration- Project Management -
Mount Kenya University
BBA Finance -
School of Finance and Banking
A level -
Secondary school at Lycee De Rusatira and Groupe Scolaire Ociel De Butare
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