Gonzale António Gonçalves Maxlhaieie
Luanda,Angola
Summary
Experienced Digital Financial Services professional with over 10 years in digital financial Services, with focus in mobile money , digital wallets and agency banking. Proven leader in financial inclusion and digital payment strategies with a strong background in team leadership and business development. Skilled in training, agent retention, and innovative financial solutions, MBA in Project Management and multiple certifications in digital finance from the Digital Frontiers Institute, enhancing expertise in digital money markets and mobile Banking.
Overview
10
10
years of professional experience
10
10
Certification
Work History
Mobile Money Specialist
International Development Group LLC
, Angola
10.2024 - Current
- Company Overview: Mobile Money Specialist of the USAID-funded DDM Project, International Development Group LLC, Angola
- Assist the Mobile Money Lead in supporting Africell and its partners to implement its digital payments strategy as agreed between Africell, USAID/Angola and the DDM team during the annual work planning process
- Support agent, brand ambassador, merchant, and customer training together with community awareness, including financial literacy training to increase access to financial services in Angola, with a focus on financial inclusion
- Work closely with Africell and USAID/Angola to support Africell’s awareness campaigns, particularly with a focus on digital and financial literacy, and addressing issues of digital distrust for specific target segments, such as women, micro, small and medium enterprises (MSMEs), and youth
- Oversee incorporation of digital education into training materials, design and implementation
- Engage in innovative awareness campaigns, partnerships with organizations such as Universities, associations, and others to conduct financial education workshops and showcase the value of digital payments
- Explore with Africell how DDM can support diversification of Afrimoney, including integrating microcredit, savings, and insurance options into their platform
- Work with the Mobile Money Lead and/or the Activity Director to develop Scopes of Work for short-term consultants and review relevant deliverables from short-term consultants for quality assurance
- Mobile Money Specialist of the USAID-funded DDM Project, International Development Group LLC, Angola
Head of Sales
Pyypl Mozambique, S.A
, Mozambique
07.2023 - 01.2024
- Responsible to leading the sales team by providing guidance, training, and mentorship, delivering on sales quotas and goals, creating sales plans, analyzing data, assigning sales territories to sales supervisors, and building the overall sales team for growing sales revenues in the market
Head of Agency Banking
Ecobank Mozambique, S.A
, Mozambique
12.2019 - 06.2023
- Responsible for leading and developing the Banking Agency network in Mozambique
- Implemented strategies that resulted in a 100% growth in the Agents portfolio, and 100% in the overall performance of the Unit
- Recruitment of agents, their selection and the implementation of processes aimed at mitigating fraud
- Coordinate the Department's activities acting as Deputy Director of Consumer Banking
- Relaunch Agency Banking Services in Ecobank Mozambique
- Design compensation model to Agents
- Design Agents profile
- Leading the adoption of New Notice 10GBM/2020 from Central Bank that regulate Agency Banking services at Ecobank
- Lead customer acquisition for low-income customers
- Ensure training and content for Agents
- Financial Literacy Trainings for communities
- Market prospection to implant agency banking services
- Work on Customer Journey for USSD service for Agents
- Lead Financial inclusion Project for refugees in Cabo Delgado in Partnership with World Food Program
- Workflow design for agent balance loading e-money
- Lead and design Marketing Campaigns to grow number of agents and customers
Regional Inclusive Finance Officer
Letshego Bank
10.2018 - 12.2019
- Guarantee the growth of Agency Banking network In North Region
- Leading the team, Provincial Supervisors and Direct Sales Agent
- Develop and implement an operational plan based on Letshego general business objectives
Regional Service and Brand Leader
Zoona Transactions Mozambique
, Mozambique
10.2016 - 05.2018
- Ensure and implement the services in the Center and North region, expansion, and support for all agents network in Central and North region
- Ensure the recruitment and training of agents, get permits from local governments to implement the business services in cities and districts
- Lead the deployment and launch Zoona Services in Centre Region (Mobile Money Remittances Services Financial Services), grow achieve the number of outlets (Agents), number of transactions and their needs in the day-by-day business
- Ensure community empowerment on Financial Literacy to promote financial inclusion through Zoona Services
Regional Marketing Assistant
Carteira Móvel, SA - mKesh
, Mozambique
06.2015 - 10.2016
- Analyze the performance of all marketing programs
- Manage all the Company's customer loyalty campaigns
- Raising new agents
- Customer loyalty
- Product promotion, management, and customer support
- Training of sales promoters and Brand ambassadors
- Distribution of electronic balance and Supervision of the performance of agents
- Ensure good relationships with local structures, participating in various meetings from provinces to those in the locality
- Schedule community events to make our presence and services known
- Be part of the team that Launch Street vendors product at Carteira Movel, SA -Mkesh (first mobile Money Company in Mozambique)
Education
MBA - Project Management
Superior Institute of Management
02.2025
Bachelor’s - technologies and information Systems, specialized in Systems Administration
University São Tómas de Moçambique
12.2012
Skills
- Acquisition of new Agents
- Business development
- Financial Literacy Training
- Financial Inclusion
- Customer experience
- Prospecting market
- Digital Payments
- Business reporting
- Analytical thinking
- Team collaboration
Certification
- Certified Digital Finance Practitioner, Digital Fronteirs Institute, 2024
- Mobile Money Operation, Digital Fronteirs Institute, 2024
- Consumer Protection, Digital Fronteirs Institute, 2024
- Money Transfer, Digital Fronteirs Institute, 2024
- CGAP Agents Networks at the Last Mile, Digital Fronteirs Institute, 2023
- Leading Digital Money Markets Certificate, Digital Frontiers Institute, 2023
- Certificate in Digital Money, Digital Frontiers Institute, 2022
- Mobile Banking and Payment Services, 2015
- Training in Customer service, 2014
Additional Information
Team spirit and leadership., Easy ability to adapt in any environment., Good communication skills., Self-improvement and learning ability.
Personal Information
- Date of Birth: 05/17/88
- Gender: Male
- Marital Status: Married
Languages
- English, Intermediate
- Portuguese, Excellent
References
- Jose Mendes, +2389958685, Former Managing Director Ecobank Mozambique, SA
- Laurinda Peniasse, +258843911265, Head of Consumer Banking at Ecobank Mozambique, SA
- Denise Cortes, +258845495456, CEO DCK Global
- Joel Pitta, +258852100025, Director and Country Manager for Angola, Mozambique, São Tomé and Príncipe and Saint Helen, at Visa Inc.
- Thabani Gonesi, +258849905403, Mobile Money Lead at International Development Group LLC
Hobbies and Interests
- Trips
- Hiking
- Reading Books
Currentresidence
Luanda, Angola
Languages
Portuguese
First Language
English
Upper Intermediate
B2
Timeline
Mobile Money Specialist
International Development Group LLC
10.2024 - Current
Head of Sales
Pyypl Mozambique, S.A
07.2023 - 01.2024
Head of Agency Banking
Ecobank Mozambique, S.A
12.2019 - 06.2023
Regional Inclusive Finance Officer
Letshego Bank
10.2018 - 12.2019
Regional Service and Brand Leader
Zoona Transactions Mozambique
10.2016 - 05.2018
Regional Marketing Assistant
Carteira Móvel, SA - mKesh
06.2015 - 10.2016
MBA - Project Management
Superior Institute of Management
Bachelor’s - technologies and information Systems, specialized in Systems Administration
University São Tómas de Moçambique
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