1. Lloyd M Kashimba
MSc- Financial Services Management
Personal details
DATE OF BIRTH: 22nd June 1980 ADDRESS: C/O Miselo Musefwe - Kashimba
MARITAL STATUS: Married Barclays Bank Zambia Plc
GENDER Male P.O Box 31936, Elunda Park, Lusaka.
NATIONALITY: Zambian CONTACTS: +260965 611926 • +447729264402
+442087712294
EMAIL: 1kashline@gmail.com
Personal statement
My experience in Finance and Income Management is both study and work related. My tenacious and proactive approach
yielded numerous improvements in Key Performance Indicators for my organisation. I have excellent analytical skills which
have helped provide my team with vital cost savings and thereby maximising income. My excellent number crunching
abilities have yielded improvements in void property losses and debt-to-income ratio, cutting these by 8% and 22%
respectively in a period of just under 4 years while operating in a heavily regulated UK housing industry.
I would now like to utilise the skills and experience gained from my 10 years of study and work experience in the United
Kingdom and undertake a new challenge in Zambia.
Key Skills and Achievements
 Over 8 years of work experience in Finance & Income Management
 Experience of trading on the FTSE100, S&P 500 and FX money markets
 Accredited Prince 2® Practitioner-Project Management
 Experience in using SUN Accounting system & CTX Genero
 Proficient in Microsoft Office Packages- Excel, Word & Power point
 Proficient in MS Project Management
 Strong analytical skills
 Improved business performance through the reducing of losses on unoccupied void properties by 8% in 3 years
 Effectively managed Organisation debtors cutting these by 22% at the end of the last financial year
Employment History
Income Management - Central & Cecil Housing Trust, London, United Kingdom
(May 2012 – Present)
Responsibilities include:
 Debt management & control- Ensuring that all rent arrears are properly managed and procedures are in place to
recover all the money owed to the organisation.
 Experience in implementing risk management strategies in order to minimise financial risk due to bad debt
 Performing Quality Assurance tasks to ensure compliance to internal procedures and the overriding legislation
 Assessing actual performance of remote business branches and comparing to set standards
 Perform account reconciliations by ensuring that any missing payments are traced and arrangements made to
promptly credit them to accounts.
 Investigating credits on accounts and arrange for prompt repayment where appropriate.

2.  Responsible for initiating legal action against defaulters where appropriate, within set timescales and according to
established procedures.
 Supervision of Branch Managers and Housing Officers to ensure that the pre-action protocol has been followed
through before issuing a Section 21 Notice of seeking Possession and subsequent court action.
 Responsible for representing the Company in court for all credit default cases
 Evaluating Court orders and communicating these to Sheltered Housing Officers and other Income Officers.
 Overseeing the implementation of Court Orders and providing clear lines of communication to ensure that any
breaches are reported back to me in a timely manner.
 Overseeing the tenant eviction process and ensuring that it is conducted in a legal manner.
 Making sure tenants are kept informed of all their legal rights throughout their tenure and during any potential legal
proceedings including appeals and applications for stay of execution at the eviction stage.
 Preparation of Periodic Executive Management Business Review Reports that provide insight into the rental
income performance of the organisation.
 Analysis of financial data and trends to monitor performance and identify critical areas of focus for the business.
 Conducting Business Units` performance analysis and evaluation in Microsoft Excel.
 Managing and co-ordinating month and year end processes to ensure they are completed on time.
 Assisting in the development of finance IT systems, monitoring, carrying out reviews.
 Staff supervision, mentorship, training and development
 Ensuring that periodical accounts are properly set up, maintained and accurately charged, making adjustments
where necessary.
 Carrying out income analysis and comparing to set corporate performance targets
 Advanced negotiation skills and experience in dealing with complex client cases up to legal stage
 Experience in implementing Business continuity plans
 Experience in implementing Risk Management Strategies in order to minimise financial risk in light of the on-going
UK Welfare Reforms
 Implementing Risk Transfer policies by engaging third party organisations to buy off a percentage of extremely
hard to recover debts owed by former tenants.
 Ability to work under pressure and highly adaptable in dealing with organisational change, demonstrated when
having to provide cover for Income Manager and a fellow colleague over a 10 month period during the restructure
of the finance department in 2013.
 Project management experience- Currently in the project team responsible for the change from our current system
to a CTX Web based system scheduled to go live in January 2017.
Finance Assistant – Central & Cecil Housing Trust, London, United Kingdom
(June 2007-2012)
Responsibilities included;
 Preparing monthly financial statements.
 Preparing management accounts as well as tax computations for clients.
 Prepared clients performance reports including various reconciliations.
 Performance measurement and Variance analysis
 Matching, batching and coding purchase ledger invoices;
 Processing all invoices and posting them onto SUN Accounting system
 Resolving any queries raised internally or from vendors
 Weekly and monthly payment runs
 Supplier statement reconciliations and resolving any differences in timely and regular manner.
Trainee Financial Trader – Amplify trading Ltd, London, United Kingdom
(January 2012 – March 2012)
Responsibilities included;
 Market risk analysis to determine best trading strategy
 Initial training on opening and closing deals at minimal risk in order to maximise returns
 Market analysis of real time effects on commodity prices.
 Using market fundamental analysis to formulate best trading strategies for the day
 Using technical analysis to minimise the risk of uncontrolled losses by determining resistance levels in advance.
 Determining best market entry and exit points by placing automatic stop losses as a risk management strategy

3.  Analysing short and long-term market volatility in order to fix allowable percentage losses on my trades.
 Conducting daily technical analysis to determine resistance points for best risk management strategies
Education
University of Salford-2016
MSc Financial Services Management
Oxford Brooks University-2011
BSc (Hons) Applied Accounting
University of Sunderland-2009
BA (Hons) Accounting & Financial Management
Accredited Prince2® Practitioner [Project Management]
Certified Accounting Technician CAT-2010
ACCA Finalist - 3 papers to go.
Kafue Secondary School 1995 - 99
Eight O levels-division one School Certificate (Obtained 6 distinctions)
References
Mr Emmanuel M Simbeza Mr Mukelabai Wambulawae
Illovo/Zambia Sugar Plc, Barclays Bank Zambia Plc
Nakambala Estates, Head office
P.O Box 670240 P O Box 31936
MAZABUKA Lusaka
(M): 096 536 7110 (M): 0977 890497
(M): 097 436 7110 (L) 0211 366150
E-mail: esimbeza@yahoo.com E-mail: mukelabai.wambulawae@barclays.com
Ms Beauty Mnyandu
1-2 Farnham Gardens
Raynes Park, surrey
London
SW20 0UE
(M): +447946705106
E-mail: Beauty.Mnyandu@ccht.org.uk