Open to opportunities

Tinotenda Makova

@tinotendamakova

Credit Risk Specialist and team leader driving underwriting, portfolio performance, and recoveries with data-driven models.

Zimbabwe

Message

What I'm looking for

I’m looking for a role where I can lead credit risk underwriting and portfolio performance, strengthen impairments and recoveries, and apply advanced modelling (PD/LGD/EAD, scenarios) to support sound risk decisions and Basel-aligned frameworks.

I’m a Credit Specialist with over 5+ years of experience in credit risk assessment, debt restructuring, portfolio management, and impairments. I’m an analytical, driven Master of Management graduate with a strong academic background in Finance, and I bring an affinity for Credit Risk Management and complex financial calculations to every decision I make.

In my current Team Leader role for I.finance, I oversee the full credit process from origination to recoveries, lead a team of 12, and support end-to-end delivery—including a digital system with UAT tests and product development. I design credit analysis templates, formulate policy decisions, and lead PD, LGD, and EAD estimation aligned with Basel II/III capital adequacy frameworks, using advanced financial modelling, scenario analysis, and sensitivity analysis for complex transactions. Previously, as an Assistant Credit Risk Manager at Agroyield, I conducted comprehensive credit analysis across the agricultural value chain, built risk models, identified early warning signs of credit deterioration, supported sustainability-aligned deal structuring, and maintained portfolio performance reporting—covering letters of credit and derivative contracts as needed.

Experience

Work history, roles, and key accomplishments

Current

Team Leader, I. finance

Current

National Insurance Company (Mauritius)

Aug 2025 - Present (11 months)

Lead a team of 12 overseeing the credit process from origination to recoveries for I. finance, including credit risk underwriting and portfolio performance management. Manage credit risk model estimation (PD, LGD, EAD), loan impairments, recoveries, debt restructuring, and early detection of loans in distress, and support delivery of a digital system including UAT testing and template/policy devel

Credit Risk Underwriting Loan Origination Recoveries Portfolio Management LGD EAD Financial Modeling scenario analysis Sensitivity Analysis Portfolio Risk Reconciliations Direct Debit Mandates UAT Policy Development

Assistant Credit Risk Manager

Commercial Bank of Zimbabwe

Jan 2023 - Jul 2025 (2 years 6 months)

Conduct comprehensive credit analysis and risk modeling for agricultural value chain transactions, including structured and project finance. Monitor portfolio performance, identify early warning signs of credit deterioration, and prepare documentation such as letters of credit and derivative contracts while maintaining compliance with internal policies.

Credit Analysis Financial Statement Analysis Risk Modeling Intervention Strategy Recommendations Derivative Contract Preparation Credit Documentation Compliance Agricultural Value Chain

Business Analyst to Chief of Operations

Commercial Bank of Zimbabwe

Jun 2021 - Dec 2022 (1 year 6 months)

Served as Business Analyst to the Chief of Operations in Agroyield within Commercial Bank of Zimbabwe.

Financial Analyst

Afrisight (Netherlands)

Jan 2019 - May 2021 (2 years 4 months)

Worked as a Financial Analyst at Afrisight (Netherlands).

Education

Degrees, certifications, and relevant coursework

Global Association of Risk Professionals (GARP)

Financial Risk Management, Risk Management

2025 - 2026

Completed a Financial Risk Management course (2025–2026) covering credit risk measurement, market risk measurement and management, operational risk, liquidity and treasury risk, and valuation and risk models.

Wits Business School

Master of Management in Finance and Investments, Finance and Investments

2018 - 2019

Master of Management in Finance and Investments at Wits Business School, covering corporate finance, investments, econometrics, derivatives, and asset management (2018–2019).

Rhodes University

Bachelor of Economics with Honours, Economics

2014 - 2017

Bachelor of Economics with Honours at Rhodes University with coursework in econometrics, macroeconomics, microeconomics, and monetary economics, including a research focus on inflation and unemployment (2014–2017).