Ruvimbo Bondayi

Provided end-to-end residential property advisory to local and diaspora clients, producing investment reports and coordinating mandates from listing through completion. Applied financial analysis to advise on ROI, asset appreciation, and financing structures while pursuing professional estate-agent registration.

Directed end-to-end branch operations, ensuring compliance with internal controls, regulatory standards, and audit requirements across multiple workstreams. Reconciled 9 suspense accounts daily and led AML/KYC and suspicious transaction monitoring, while coaching a team of 4.

Managed a personal loan portfolio of 1,500+ clients, maintaining delinquency below 2% through proactive risk monitoring and early intervention. Owned P&L and budget performance, launched youth banking products (FunMula, ShinePlus) adopted into the bank’s national CSR strategy, and mentored a team of 6.

Maintained full audit readiness across branch functions by enforcing documentation, controls, and compliance standards for internal and external audits. Managed cash and vault operations and ensured zero-tolerance accuracy for ATM balancing while supporting cross-functional business opportunities.

Assessed clients’ repayment capacity by evaluating financial statements and preparing risk-rated credit appraisals for the Loans and Advances Committee. Managed a 400-borrower portfolio by tracking exposures daily and maintaining credit record compliance in CQ and Globus systems.

In progress with the EAC industry examinations required for full statutory registration as a practising estate agent in Zimbabwe.

Currently studying the CAPM with PMI, covering PMBOK 7th Edition domains including stakeholder engagement, risk, schedule, and cost management.

Grade: Credit

Activities and societies: No activities, after hour course offered to professionals

Completed the Senior Management Development Programme at Universityof Zimbabwe; specific coursework details were not provided.

Grade: Class 2 (2:1)

Activities and societies: No activities was doing a block release study

BSc in Property Development and Real Estate Management (Class 2: 1), covering feasibility analysis, property investment appraisal, development finance, and market research.