Muletambo Mulozi

Assistant Manager – Risk & Credit

Bayport Financial Services Zambia | Aug 2017 – Dec 2018

Managed loan processing and credit checks, ensuring full KYC and AML compliance.

Conducted 1,500+ credit assessments, reducing loan defaults by 18%.

Introduced process improvements that cut loan approval time from 5 to 3 days.

Enhanced risk control measures, lowering high-risk loans by 12%.

Served as AML & Compliance Officer, ensuring adherence to regulatory requirements.

Reviewed 2,000+ loan files monthly, maintaining a 98% regulatory audit pass rate.

Delivered AML and fraud training to 150+ employees, increasing suspicious activity reporting by 30%.

Implemented compliance frameworks that resulted in zero regulatory fines.

Managed fraud investigations and security operations, identifying and mitigating fraud risks through system audits and developing a fraud prevention culture within the organization.

Led the Quality Assurance department, improving credit risk management and ensuring compliance with loan documentation and regulatory requirements.

Managed operations for five branches, overseeing financial and administrative functions while strengthening customer and stakeholder relationships.

Supervised operations for multiple branches, ensuring efficiency and compliance while managing workflows and customer relationships.

Oversaw branch administration and operational workflows, training staff and managing security matters.

Managed Copperbelt branches’ operations and quality control, optimizing loan issuance processes and staff performance.

Managed front office operations and foreign currency transactions, overseeing customer services and account management.

Provided teller services, handling local and foreign currency transactions while being trained in AML compliance and counterfeit detection.