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Karen Kapika

@kkapika

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Results-oriented financial expert specializing in treasury management and risk mitigation.

Zambia

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What I'm looking for

I am seeking a leadership role that fosters innovation and strategic growth within a dynamic organization.

I am a financial expert and strategic leader with nearly 20 years of experience in the financial services sector. My career has been dedicated to treasury management, risk mitigation, and driving organizational growth. I have a proven ability to lead high-performance teams and develop innovative solutions while establishing strong relationships with regulators, government bodies, and financial institutions.

Throughout my career, I have transformed operational frameworks to ensure sustainability and profitability, fostering a culture of excellence. As the Head of Treasury at Zambia Industrial Commercial Bank Limited, I established the Treasury Department as a primary revenue source and directed investment strategies that consistently achieved financial performance. My commitment to talent development and succession planning has also been a key focus, ensuring a high-performance culture within my teams.

Experience

Work history, roles, and key accomplishments

Current

Head of Treasury

Current

Zambia Industrial Commercial Bank Limited

Apr 2018 - Mar 2025 (6 years 11 months)

Led the establishment of the Treasury Department in a start-up bank, transforming it into a primary revenue source. Directed investment strategies and developed risk frameworks to ensure compliance with regulatory standards, while enhancing the Bank's resilience in a volatile economic environment.

Treasury Management Risk Mitigation Financial Strategy Stakeholder Engagement Regulatory Compliance Team Leadership Talent Development Risk Frameworks

Head of Balance Sheet Management

Barclays Bank (Absa Bank) Zambia Plc

Feb 2014 - Nov 2017 (3 years 9 months)

Oversaw the Asset and Liability Management function, ensuring compliance with liquidity metrics. Developed the Liquidity Risk Appetite framework and contributed to the Internal Capital Adequacy Assessment Process, while mentoring direct reports.

Asset Liability Management Mentoring Regulatory Compliance Financial Reporting Decision Making Processes

Funding and Liquidity Manager

Barclays Bank (Absa Bank) Zambia Plc

Aug 2012 - Feb 2014 (1 year 6 months)

Ensured compliance with funding and liquidity policies while enhancing management information through reporting improvements. Managed the ALCO Secretariat, contributing to strategic liquidity and funding decisions.

Management Reporting ALCO Management

Treasury Sales Manager

Barclays Bank (Absa Bank) Zambia Plc

Jan 2010 - Aug 2012 (2 years 7 months)

Managed relationships with large corporates and financial institutions, exceeding revenue targets through strategic pricing and market analysis. Aligned product offerings with client needs and market trends.

Client Relationship Management Revenue Market Analysis Corporate Finance

Treasury Dealer

BancABC

Apr 2007 - Jan 2009 (1 year 9 months)

Managed corporate client portfolios, focusing on FX trades and fixed-income investments. Achieved significant growth in corporate deposit portfolios through proactive client engagement.

Portfolio Management Corporate Finance Deposit Growth

Management Trainee

BancABC

May 2005 - Apr 2007 (1 year 11 months)

Rotated through all functional areas of the bank, gaining comprehensive knowledge of banking operations and completing international assignments in Zimbabwe and Mozambique.

Banking Operations Functional Rotation Financial Systems