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Lean Six Sigma  ·  Digital Transformation  ·  Operational Excellence

Erick–HendricLois Mtenga

Business Transformation & Digital Excellence Leader
Customer Experience  ·  Process Optimisation  ·  Quality Management  ·  Digital Financial Services
0Years Experience
0Major Projects Led
0Certifications
0Govt. Institutions Advised
0Staff Trained
Key Financial & Operational Impact
500B+TZS Licence Cost Saved
50B+TZS Revenue Generated
5B+TZS Printing Cost Saved
15B+TZS Operational Cost Saved
80+Headcounts Optimised
Professional Profile

The Business
Transformer

“Operational excellence, zero-defect delivery, and genuine customer impact — not as aspirations, but as standards built into every process I design.”

A highly motivated Lean Six Sigma Practitioner and strategic leader with over a decade of experience in Tanzania’s financial sector and national government advisory. Deep cross-functional expertise spanning Customer Experience, Branch Operations, Compliance, Quality Management, Digital Technology, Payments, Sales, Training, Alternative Channels, HR, and Project Management.

Beyond banking, a trusted advisor to TISEZA, TARURA, and TAMISEMI — delivering operational excellence and CX transformation at national scale across all 26 regions of Tanzania.

Domain Expertise
😊
Customer Experience
Journey mapping, CX frameworks, complaints
🏢
Branch Operations
Process design, service standards, realignment
⚙️
Process Excellence
Lean Six Sigma, DMAIC, waste elimination
📱
Digital Channels
Mobile, internet, agency, POS, payments
Quality & Compliance
Quality frameworks, regulatory compliance
🎓
Training & Capacity
Staff training, e-learning, adoption
📊
Data & KPIs
Dashboards, root cause, reporting
🏛️
Government Advisory
TISEZA  ·  TARURA  ·  TAMISEMI
Career Trajectory

Professional
Experience

Over a decade of progressive leadership across Tanzania’s financial institutions — from branch banking to enterprise transformation.

Senior Specialist — Business Process Optimization & Automation
Dec 2023 – Present
CRDB Bank Plc  ·  Department of Innovation  ·  Dar es Salaam, Tanzania
  • Lead large, diverse cross-functional teams implementing transformation projects that measurably improved customer experience across all branches and touchpoints.
  • Developed a quality framework ensuring consistent, high service standards across the branch network, contact centre, and digital channel ecosystem.
  • Organised enterprise learning materials and led training of bank employees — branches, stakeholders, and system/product rollouts.
  • Directed operational excellence initiatives supporting strategic goals; promoted organisation-wide adoption of continuous improvement standards.
  • Tracked and reviewed customer journeys, coordinating with stakeholders to ensure seamless CX during new product development cycles.
  • Generated and delivered management reports on service excellence programmes, complaints, feedback, and root cause analysis.
  • Mentored junior colleagues on branch operations, project management, quality assurance, and professional development.
Key Achievements
HR Transformation: 500B+ TZS licence savings; 5B+ TZS printing savings per year; 30 headcounts optimised through automation.
Staff Loans Redesign: TAT from 4 days to 2 hours; mortgage form from 16 pages to 1 page; 1,200 staff trained enterprise-wide.
TISEZA–CRDB Partnership: Certificate issuance time reduced by 50%; 20 TISEZA staff trained and certified.
Operations Transformation Analyst
Sep 2020 – Mar 2023
NMB Bank Plc  ·  Department of Operational Transformation  ·  Tanzania
  • Led the full innovation lifecycle — ideation to deployment — of digital banking products and access channels for customers and branch operations.
  • Improved platforms including Internet Banking, POS, e-commerce gateways, and mobile integrations, aligning with branch needs and market trends.
  • Developed scalable digital onboarding solutions reducing time-to-activate for customers accessing digital channels.
  • Collaborated with Corporate RMs, IT, Risk, Operations, and Product teams to deliver feasible, secure, customer-aligned solutions.
  • Monitored adoption and performance of customer platforms — identifying optimisation opportunities and resolving pain points proactively.
Key Achievements
Project Boresha: 22 branch processes reviewed; 50% headcount savings; 60% call reduction; 15B+ TZS operational savings; 3,000 staff trained.
Project Chap: 15B+ TZS in operational savings; 50B+ TZS in new revenue generated.
Account Status Change: TAT reduced from 72 hours to 6 hours.
Business Process Analyst
Feb 2020 – Sep 2020
NMB Bank Plc  ·  Department of Process Management  ·  Tanzania
  • Led end-to-end review of banking processes across retail and branch operations; developed new processes aligned with policies and regulations.
  • Conducted analysis across branches, identified gaps and inefficiencies, and delivered actionable CX and process improvement solutions.
  • Designed, built, and maintained KPI dashboards visualising operational performance for senior management decision-making.
Incidents Analyst — Service Management
Nov 2015 – Feb 2020
NMB Bank Plc  ·  Department of Service Management  ·  Tanzania
  • Led systems assessments, analysed customer journeys, and identified failure points to improve service provision across all branches.
  • Provided data-driven recommendations to senior management; presented regular reports on ROI of implemented changes and customer satisfaction.
Key Achievements
Service Manager Platform: Resolution TAT reduced from 6 hours to instant.
ATM Reconciliation & Replenishment: 500B+ TZS in savings achieved.
Branch Realignment Programme: 50 headcounts optimised across the network.
Bank Officer
Apr 2014 – Nov 2015
NMB Bank Plc  ·  Mbulu Branch  ·  Tanzania
  • Provided day-to-day banking advisory to customers; ensured high satisfaction standards and supported KYC account opening processes.
  • Responded to customer complaints and contributed to branch business development targets.
Government & Public Sector Advisory

Consulting
Work

Delivering operational excellence and CX transformation for Tanzania’s key national institutions — beyond banking, at countrywide scale.

01
TISEZA  ·  Dar es Salaam
Tanzania Investment & Special Economic Zone Authority
Led a team of consultants to identify gaps in back-office and customer-facing processes, including the investor onboarding journey. Provided data-driven recommendations, implemented solutions, and conducted internal training to build capacity for sustainable change.
50% reduction in certificate issuance time  ·  20 TISEZA staff trained  ·  Improved investor CX
02
TAMISEMI  ·  Ministry  ·  Tanzania
Ministry of State — President’s Office, Public Service & Good Governance
Led a consulting team to improve fund distribution processes to citizens, ensure accurate allocation of funds, and reduce complaints. Trained Ministry staff on loan management and designed a scalable CX framework extensible across departments.
Improved loan quality & TAT  ·  Reduced citizen complaints  ·  CX framework deployed
03
TARURA  ·  Roads Agency  ·  Tanzania
Tanzania Rural and Urban Roads Agency
Improved contractor processing turnaround time. Identified process gaps and delivered data-based solutions reducing fraud and improving compliance. Established a harmonised framework across all 26 TARURA-marked regions in Tanzania.
Fraud reduced  ·  All 26 regions covered  ·  Sustainability training delivered
Flagship Accomplishments

10 Major Projects &
Delivered Impact

Every project below is a verified transformation delivered across Tanzania’s banking sector — with measurable financial, operational, and human outcomes.

01
CRDB Bank  ·  2023–2024
TISEZA–CRDB Partnership
Team: 15  ·  Project Manager & Training Lead
Improved Certificate of Incentives issuance for TISEZA investors. Built a sustainable CX framework bridging CRDB Bank and Tanzania’s investment authority.
  • 50% reduction in certificate issuance time
  • 20 TISEZA staff trained and certified
02
CRDB Bank  ·  2023–2024
Human Resource Transformation
Team: 25  ·  Project Manager & Process Improvement Lead
Modernised HR operations — eliminating paper-based processes, reducing licensing dependencies, and right-sizing workforce structures across CRDB Bank.
  • 500B+ TZS licence cost savings per year
  • 5B+ TZS printing cost savings per year
  • 30 headcounts optimised through automation
03
CRDB Bank  ·  Dec 2023–Apr 2024
Staff Loans Process Redesign
Team: 8  ·  Process Improvement & Training Lead
Redesigned the staff loan application process; reduced TAT and simplified documentation. Trained the entire bank network on the new system.
  • TAT: 4 days → 2 hours
  • Mortgage form: 16 pages → 1 page
  • 1,200 staff trained
04
NMB Bank  ·  Jan–Aug 2022
Project Boresha — Branch Excellence
Team: 16  ·  Project Manager & Training Lead
Re-engineered 22 branch processes at NMB Bank. Reduced operational costs and call volumes. Delivered enterprise-wide training to 3,000 staff.
  • 50% headcount savings; 60% call reduction
  • 15B+ TZS operational savings per year
  • 3,000 staff trained
05
NMB Bank  ·  Jan–Dec 2022
Project Chap — Revenue & Savings
Team: 22  ·  Project Manager
Major operational and commercial improvement delivering significant cost savings and new revenue through process excellence and business optimisation.
  • 15B+ TZS in operational costs saved
  • 50B+ TZS in new revenue generated
06
NMB Bank  ·  Jan 2021–Jan 2022
Account Status Change Automation
Team: 12  ·  Project Manager
Redesigned the account status change process to eliminate manual bottlenecks and accelerate turnaround for a high-frequency banking operation.
  • TAT: 72 hours → 6 hours
07
NMB Bank  ·  Jan–Aug 2020
ATM Reconciliation & Replenishment
Team: 18  ·  Project Manager
Optimised ATM reconciliation and cash replenishment processes across NMB Bank’s Tanzania-wide ATM network.
  • 500B+ TZS in savings achieved
08
NMB Bank  ·  Aug 2018–Dec 2019
Service Manager Platform
Team: 14  ·  Business Analyst
Led business analysis for the Service Manager platform — transforming real-time service resolution across NMB Bank’s national network.
  • Resolution TAT: 6 hours → Instant
09
NMB Bank  ·  Feb 2016–Nov 2018
Branch Realignment Programme
Team: 35  ·  Access Team Lead
Nationwide branch realignment — optimising staffing models, processes, and service delivery structures across NMB Bank’s Tanzania footprint.
  • 50 headcounts optimised across network
10
NMB Bank  ·  Feb 2016–Dec 2017
Digipass Two-Factor Authentication
Team: 20  ·  Project Team Member
Participated in implementation of Digipass two-factor authentication across NMB Bank’s digital platforms — enhancing security for all customer channels.
  • Enhanced digital security across all channels
Leadership Approach & Transformation Methodology

How I Deliver
Results

A four-pillar transformation framework proven across Tanzania’s banking sector and national government institutions.

01
🎯
Business Strategy
Aligning technology, process excellence, and human capability to commercial objectives and market leadership.
  • Multi-year DFS and transformation roadmaps
  • Board-level strategic alignment
  • Competitor analysis & market intelligence
  • Revenue stream identification
  • Quality management frameworks
02
📲
Digital Adoption
Converting customers and staff from awareness to active, habitual users of digital banking channels and processes.
  • Digital onboarding journey redesign
  • Branch network activation & training
  • Prosci change management (Certified 2025)
  • E-learning platform design & rollout
  • Active user KPI tracking
03
📋
Registration & Onboarding
Eliminating friction from customer acquisition — reducing TAT, simplifying documentation, expanding reach.
  • KYC/AML compliance integration
  • TAT: days → hours (proven at CRDB & NMB)
  • USSD & biometric registration
  • Form: 16 pages → 1 page
  • 1,200+ staff trained on new processes
04
📈
Business Growth
Translating transformation into commercial outcomes — revenue growth, cost reduction, and market penetration.
  • 50B+ TZS revenue generated
  • 500B+ TZS licence savings
  • Real-time KPI dashboards
  • Cross-sell & utilisation programmes
  • Branch sales stimulation
Five-Stage Delivery Cycle
🔍
Stage 1
Diagnose & Design
Root cause analysis, process mapping, DMAIC gap assessment
Lean / DMAIC
📋
Stage 2
Register & Activate
Frictionless onboarding, KYC compliance, TAT reduction
Hours not Days
🎓
Stage 3
Train & Adopt
Enterprise training, e-learning, branch rollouts, Prosci change
5,000+ Trained
💰
Stage 4
Grow & Optimise
Revenue generation, cost reduction, market share growth
570B+ TZS Impact
∞️
Stage 5
Sustain & Improve
Continuous improvement, KPI dashboards, capacity building
Zero Defect
Operational excellence is not a project — it is a culture. Every process, every touchpoint, every interaction is an opportunity to create real value for the people we serve.
Erick-Hendric Lois Mtenga  ·  Business Transformation Philosophy
Capabilities & Credentials

Skills, Certifications
& Education

Nine professional certifications and a decade of applied mastery — from Sokoine University of Agriculture to Tanzania’s most complex transformation programmes.

Customer Experience Management96%
Operational Excellence & Process Improvement95%
Quality Assurance & Compliance Management94%
Business Transformation & Change Management93%
Project Management (PMP / Agile)92%
Analytical & Data-Driven Decision Making90%
Digital Banking & Alternative Channels88%
Leadership & People Management92%
Training Delivery & Capacity Building95%
Cost Management & Financial Impact87%
Certifications
2025
Prosci Certified Change Practitioner
Prosci®
2025
Certified Quality Manager
Global Assoc. Quality Managers
2025
Certified CX Professional
Customer Service Inst. of America
2023
PMP
Project Management Institute
2020
CBAP
Faculty Training Institute
2019
Agile PM Practitioner
APMG International
2018
Lean Six Sigma Green Belt
2KO  ·  South Africa
2015
ITIL Foundation
PeopleCert
Education
🎓
2012
BSc Agricultural Economics & Agribusiness
Sokoine University of Agriculture  ·  Morogoro, Tanzania
Where I Can Create Impact

Roles Where I
Deliver Results

With over a decade of cross-sector experience spanning banking, digital transformation, government advisory, quality management, and operational excellence — I bring verified impact to a wide range of senior leadership roles across Tanzania and East Africa.

🎯
Banking & Finance
Head of Digital Financial Services
Lead the end-to-end digital banking strategy across mobile, internet, agency, cards, and payments. Drive revenue growth, expand the digital ecosystem, and champion a customer-centric culture. Proven across CRDB Bank and NMB Bank with 570B+ TZS in quantified financial impact.
Strongest match
⚙️
Operations & Transformation
Chief Operating Officer / Director of Operations
Drive enterprise-wide operational excellence, process re-engineering, and efficiency programmes. Build governance frameworks, reduce cost structures, and deliver sustainable productivity improvements. Lean Six Sigma Green Belt with a proven track record of measurable operational savings.
Strong match
📈
Change & Transformation
Director of Business Transformation
Architect and lead large-scale organisational transformation programmes. Align people, processes, and technology to strategic objectives. Prosci Certified Change Practitioner with enterprise change management expertise across Tanzania’s largest financial institutions and national government bodies.
Strong match
😊
Customer Experience
Head of Customer Experience & Service Quality
Design and govern end-to-end customer journeys across all channels. Establish quality standards, manage complaints frameworks, and use data analytics to continuously improve satisfaction. Certified CX Professional with hands-on experience across branch networks, contact centres, and digital platforms.
Strong match
Quality & Compliance
Head of Quality Management & Compliance
Build and sustain zero-defect quality cultures. Develop compliance frameworks, oversee audit readiness, and drive continuous improvement. Certified Quality Manager with deep experience embedding quality systems across complex, regulated banking environments.
Strong match
🏛️
Public Sector & Government
Senior Advisor — Operational Excellence & Public Service Reform
Guide government ministries and public institutions through operational transformation, process redesign, and service delivery improvement. Proven track record advising TISEZA, TARURA, and TAMISEMI at a national scale, delivering citizen-centred solutions across Tanzania.
Unique qualification
Get In Touch

Open to conversations about senior leadership, advisory, and transformation roles across banking, financial services, telecoms, and the public sector in Tanzania and East Africa. If you see a fit — let us talk.

🇮🇿
LocationDar es Salaam, Tanzania
@
Email
Phone+255 765 958 809
Professional Summary
A results-driven, multi-certified transformation leader with over 10 years of progressive experience in Tanzania’s financial sector and national government advisory. Known for delivering measurable commercial and operational outcomes through disciplined, people-centred leadership.
  • 570B+ TZS in verified financial impact across 10 major projects
  • 5,000+ staff trained across banking and public sector organisations
  • Prosci · PMP · CBAP · LSS Green Belt · Certified CX Professional
  • Government advisory: TISEZA, TARURA, TAMISEMI — national scale
  • Cross-sector expertise: banking, fintech, telecoms, public sector
  • Proven in change management, quality assurance, and digital adoption
  • Available for senior leadership, board advisory, and consulting mandates
10 Projects Delivered