Kagiso Dichi is a Motswana male born on March 6th 1973 in Ramotswa, Botswana. He has over 20 years of experience in banking, primarily in corporate and commercial banking, portfolio risk management, credit origination, and relationship management. He holds a Master's degree in Strategic Management from the University of Derby in the UK and has worked for several banks in Botswana including First National Bank and Standard Chartered Bank, where he has held various roles managing portfolios, developing strategies, and originating credit.

1. P O Box 403417
Gaborone
Phone: 7165 8892
Kdichi88@gmail.com
Kagiso Dichi
Gender Male
Date of Birth 6th March 1973
Citizenship Motswana
Place of Birth Ramotswa
Marital Status Married
Objective  To provide my employer with the highest standard of service and expertise
in the field of portfolio risk management
 To provide my employer with creative strategic solutions in product
development, credit underwriting, and relationship management
Experience 2010 - To date First National Bank – Corporate Banking
Client Portfolio Executive – Mining and Resource
Strategy
 Develop and operationalise the mining portfolio strategy
 Adapt the strategy to environmental changes to ensure that the Bank
optimizes on new opportunities
 Develop strategic partnerships e.g. Botswana Chamber of Mines so as
to be timeously informed of emerging opportunities
 Support the Bank’s growth strategy by ensuring portfolio balance
sheet and P & L growth
 Maintain portfolio provisions below 3%
Relationship Management
 Manage the service chain to ensure efficiencies in the relationship
management model
 Keep clients appraised on policy changes and minimize effect on their
business
 Appraise customers on regulatory changes and advise them on
possible adaptations to cause minimal impact on their business
 Keep clients informed on short, medium and long term macro
fundamentals that may affect their business and assist them to
reposition their business in adaptation to same
 Respond to customer queries, complaints and escalate where
necessary

2. Sales
 Interrogate customer operating cycle and develop client centric
solutions
 Evaluate client value chain and develop optimisation strategies around
the client’s business
 Do a preliminary assessment to establish credit appetite for facilities
required by customers
 Originate limits or appraise Credit Analyst on key credit issues to be
discussed in credit origination
 Open accounts for new and existing customers and drive cross sales
 Prepare call reports and share same with other stakeholders therefore
ring fencing the customer by offering a wide bouquet of solutions to
them
 Write up credit applications for presentation to approval authorities
 Deepen relationships with product houses and business units to
ensure that customers service efficiencies throughout the Bank
Risk Management
 Ensure security perfection where limit applications have been
approved
 Monitor conditions and covenants and ensure compliance
 Report any breach of conditions and covenants for remedial action to
be taken
 Review facilities as and when they fall due
 Monitor debt facilities for compliance with risk management
parameters
 Follow up on account excesses and ensure regularization
Credit Origination
 Composition of credit limits with particular attention to;
- Needs analysis
- Business risks
- Market risks
- Product risks
- Management risks
- Financial statements analysis covering
i) Leverage ratios
ii) Liquidity ratios
iii) Coverage ratios
iv) Profitability ratios
v) Efficiency ratios
Administration
 Confirm customer instructions before they are processed
 Attend to customer queries and complaints
 Authorise salaries on the online banking platform

3. 2009 First National Bank - Distribution Channel
Head – Student Banking
Strategy
 Develop, coordinate and implement strategy for Student Banking
 Develop product lines for the division
 Develop marketing and sales campaigns and promotions for Student
Banking
 Develop process flows for the appraisal of student banking lending portfolio
 Identify and develop strategic relationships with key stakeholders to
advance the division
 Identify gaps in the market to inform product development
 Develop service channels to ensure effective delivery to customers
 To monitor portfolio risk triggers and cause correction where necessary
 To grow the Student Banking portfolio contribution to the Bank’s revenue
 To minimize attrition and thus feed consumer banking portfolio
2008 – 2009 First National Bank - Business Banking
Relationship Executive
 Deepen the Bank’s relationship with its clients by consistent communication
and visitations to customers
 Manage the Bank’s credit risk through monitoring and mentoring of
borrowing customers
 To ensure that the SME portfolio is compliant with all internal controls,
processes and procedures
 Ensure that the Bank’s SME portfolio is compliant with regulatory
requirements
 To deepen relationships with other business units and support services
within the Bank
 Ensure customer retention by providing exceptional turnaround time on
queries and facility application
 Motivate growth in the Bank’s revenue through sales of both asset and
liability products
 To ensure that the SME portfolio is profitable by pricing facilities in such a
way as to reflect the level of risk assumed by the Bank
 Facilitate business unit initiatives aimed at educating customers about the
Bank’s products including macro and micro economic changes and how
they will impact their businesses
 Minimise the Bank’s losses by insuring that credit risk sensitive tools are
used in the assessment of customer applications
 Grow the Bank’s market share by attracting new clients
 Cross sell all other FNBB products such as vehicle and asset financing,
mortgage facilities, trade facilities, first funding

4. 2004–2008 Standard Chartered Bank SME Banking
Business Relationship Manager
 Contribute to the growth of the Unit’s balance sheet and revenue through
sales of asset and liability products
 Provide sales support to other profit centres through cross selling initatives
 Ensure that bad debts are contained within the target of 3% of total portfolio
as contained in the Unit’s credit policy
 Ensure that portfolio pricing reflects the Unit’s target NIM of 7% - 8%
 Monitor and control the portfolio so as to avoid unauthorized excesses
 Monitor and mentor existing and potential customers to ensure customers’
sustainable growth
 Deepen the Bank’s relationship with customers through efficient customer
service
 Ensure that the portfolio is compliant to established policies including legal
and regulatory compliance
 Monitor portfolio performance and migrate non performing accounts to the
collections unit
 Develop networking relationships with support units
2003–2004 Standard Chartered Bank SME Banking
Product Development Manager
Strategy
 Development of Credit Policy for the SME portfolio
 Monitor risk triggers and cause timely portfolio response to minimize potential
losses
 Perform market and economic research to inform strategy
 Drive portfolio growth and retention initiatives
 Develop service level agreements for the governance of relationships with
other units
Product Development
 Product engineering for the SME Banking Unit
 Monitor product life cycle and cause re-engineering or exit when the product
reaches the decline stage

5. Sales
 Develop marketing campaigns and promotions for the Unit
 Develop marketing material and drive brand exposure
 Perform market studies to inform the Unit’s strategic agendas
 Perform competitor analysis and develop counteractive strategies
 Develop process and procedures for the management of delinquencies
 Create various customer focus initiatives to measure customer satisfaction
2000–2003 Standard Chartered Bank Industrial Branch
Personal Financial Consultant
 Selling the bank’s asset and liabilities products to ensure that the bank
reaches its financial targets
 Cross sell other bank products as part of the customer retention strategy
 Advise customers on investment opportunities availed by the Bank
 Process loan applications
 Process account opening forms
 Management of customer queries
 Monitor accounts for money laundering control and prevention
 Ensure that the Bank is audit compliant
1998–1998 Standard Chartered Bank Industrial Branch
Clerk
 Effect electronic funds transfers
 Perform Bankmaster data update
 Attend to customer queries
1997–1997 MDS Couriers Accounting Unit
Accounts Assistant
 Preparation of monthly bank reconciliation
 Maintenance of cash book
 Responsible for credit control
 Ensuring that all books of accounts are maintained in accordance with
Generally Accepted Accounting Principles
 Providing sound financial advise to management

6. 1995–1996 Bank of Botswana International Dpt.
Clerk
 Process SWIFT transfers
 Mobilisation of funds on behalf of government and commercial banks
 Effect cheque payments on behalf of government
 Maintain up to date data on the Bankmaster system
Education 2006–2007 University of Derby Derby, Uk
Master of Science in Strategic Management
 Decision Analysis Pass
 Strategic Information management Pass
 Strategic Finance For Managers Pass
 Managing Change Pass
 Market Research Techniques & Research methods Pass
 Strategic Management Pass
 Strategic Modeling Pass
 International Business Studies Pass
 Total Quality management & Best Practice Pass
 THESIS – RISK MANAGEMENT: A STUDY OF THE RISK
MANAGEMENT INFRASTURE NECESSARY TO
OPTIMISE RISK AND REWARD IN COMMERCIAL
BANKING
Overall Grade: Pass
2006–2007 Standard Chartered Bank London,Uk
Commercial Lending To Small Businesses
 Opportunity Assessment 80%
 Identifying Borrowing Needs 80%
 Analysing Industry Risk 80%
 Analysing Business Risk 80%
 Analysing Business Financial Statements 80%
 Analysing Personal Financial Statements 80%
 Analysing Cash Flow and Sensitivity 80%
 Structuring The Loan 80%

7. Overall Grade: Proficient
1999–2000 Botswana Institute of Administration and Commerce
Higher National Diploma In Accounting And Business Studies
 Financial Accounting III Pass
 Cost and Management Accounting Credit
 Auditing Pass
 Taxation Merit
 Management Science Applications Pass
 Financial Management Pass
 Systems Analysis and Design Merit
Overall Grade: Credit
2006–2007 Botswana Institute of Administration and Commerce
National Diploma In Accounting And Business Studies
 Financial Accounting II Pass
 Cost and Management Accounting Pass
 Management Principles and Policy Merit
 Business Economics Pass
 Quantitative Analysis Pass
 Company Law Merit
 Information Technology Pass
 Auditing Credit
Overall Grade: Credit
2006–2007 Botswana Institute of Administration and Commerce
National Certificate In Accounting And Business Studies
 Financial Accounting Pass
 Quantitative Analysis Credit
 Principles of Economics Pass
 Commercial Environment Distinction
 Commercial Law Distinction
 Business Communication Credit
 Computer Studies Distinction
Overall Grade: Credit

8. Internal
Courses
Volunteer
 Certificate of Proficiency (Short Term Insurance)
 Negotiation Skills
 Documentary Credits
 Board Treasurer - HOPE Worldwide Botswana
 Chairman of the Benevolence Committee of the Botswana International
Church of Christ
Achievements Development of the diamond strategy for FNB and operationalisation of
same. This assignment required the application of a Precious Stones
Dealers License which has since been granted by the Licencing Division
at the Ministry of Minerals Energy and Water Affair.
Development of multi currency capability for FNB’s line of business
system to allow viewing of foreign currencieson client profile.
I have also been involved with the RMB team in the corporate advisory
service to BCL to inform their diversification strategy (POLARIS II). This
assignment involved the analysis of the company’s balance sheet and
recommendations for its optimization including the evaluation of brown
and greenfields projects, force ranking them, and making
recommendationsto the BCL Board on which projectsto pursue.
Set up and run the Student Banking Division for FNB. This project
involved the development of products, and service channels to ringfence
future professionals and lock them in as FNB customers. I then
developed the student and graduate loans for this target market including
a credit policy for the assessment of the facilities. I further successfully
negotiated various discounting arrangements with merchants including
discounted gym membership for students and a discounted cenema rate
on students day with the Capitol Cinemas.
Acting Head of SME Banking from December 2007 – January 2008
Acting Head of Medium Businesses from March 2008 – May 2008

9. Interests
Referees
Martial arts, Lawn Tennis, Swimming
Jennifer Makgabenyana
Senior Portfolio Manager
First National Bank of Botswana
Tel: 364 2632
Lesego Lekone
Senior Credit Manager
First National Bank of Botswana
Tel: 364 2632