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Creditinfo Tanzania

Dar es Salaam
Tel.: +255  (0) 22 212 7263



Creditinfo Tanzania (CIT) is located in the city centre of Dar es Salaam. It is rapidly growing and will be ready for business in early 2013. Andrew Carter manages the local team and is the Country Manager.

The main products and services include the provision of Full and Semi-Full credit reports with an optional powerful Creditinfo Predictor credit score available for both consumers and businesses. It is primarily in real-time, but is also accessible via a batch.

Creditinfo Tanzania can also offer services to automate the capture and decisioining of new applications for credit; for the quick and easy on-boarding of new customers.

Although initially available to the banking sector Creditinfo Tanzania will also serve other businesses sectors soon.

Chief Executive Officer

Andrew Carter

Chief Executive Officer
A foundation in retail banking was followed by various operational and credit risk roles in credit cards leading to the implementation of in-house developed application and behavioural scoring systems and scorecards for a major UK banking group. During this time, Andrew also implemented many credit bureau based data exchange systems for the bank and coordinated the banking group relationships with external credit bureau. Andrew has detailed experience with two large international credit bureau in successful sales management positions and developing business in software, automated decisioning and data usage. More recently Andrew focused on expanding data supplied to the credit bureau and broadened the data used by companies within the UK telecoms & utility sectors finding innovative ways for clients to get value from the bureau data assets. Andrew joined Creditinfo to manage the implementation and successful launch of the Creditinfo bureau in Tanzania and to lead the team here
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Edwin Usara

Head of Business Development
Graduated in 2004 from University of Dar es Salaam with an Honours Bachelor of Commerce in Finance. Following graduation he worked for Tanzania Cigarette Company a subsidiary of a global tobacco company Japanese Tobacco International (JTI). He went to pursue further studies in United Kingdom and in 2009 graduate with a Master degree in Business Administration from Edinburgh Business School, Heriot-Watt University in Scotland. Edwin has also attended City University, London in 2011 to study risk management in banking and finance. Also, in 2011 he became a qualified mortgage advisor in UK after completed a benchmark mortgage qualification course offered by the institute of financial services (Ifs School of finance, London). He joined Exim Bank on January 2012 as an Assistant Manager in corporate banking, during his time he oversea a liability portfolio of over Tzs 15 billion and assets portfolio of over Tzs 10 billion. Furthermore he was involved in several projects including redesigning and restructuring of some of the corporate and retail banking products including the well-known “Haba na Haba account”. He is responsible in renaming the account “Haba na Haba”. In early 2013, relocated to Finance department where he oversees a research and economics unit of the bank. In July 2013, he joined Creditinfo Tanzania as a Business Development Manager responsible for aiding new customers to integrate our services effectively in their credit processes, thereby reducing credit risk and bad debt.
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Shane Moldenhauer

Head of IT and Operations
Having started off his career in real estate, Shane soon found that his passion lay in analytical work on large data sets; and where better to find large data sets than with Credit Bureaus. Certified as an Information Systems Engineer from the University of Cambridge and with a strong business operational background, he pursued a career in Data Analytics and Business Intelligence. He worked his way through the ranks in a leading international credit bureau and ended up working on his first developing market Credit Reference Bureau project in Uganda at the end of 2007. The project was hugely successful and is now used as a benchmark for how best to implement a new Credit Bureau in the African context. 7 Years later and having worked directly and indirectly on Credit Bureau projects in 5 African countries, he now heads up the IT and Operations for Creditinfo Tanzania. He brings along a wealth of knowledge of doing business in Africa and always has innovative solutions to assist in his roles at Creditinfo. Shane is not only limited to the day to day operations of the company, but also uses his sought after specialist skills to consult with a number of banks in Tanzania, Kenya and South Africa on data remediation projects, which allow for high quality data and regulatory compliance.
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Pamela Uriyo

Admin Manager
A Graduate of Finance, Pamela started work for an Investment Bank in Kenya where she was managing Portfolios, placing stock market orders and dealing with Initial Public Offers. Upon completion of her work in Kenya, she returned to Tanzania to work with a Security Company. She worked as an executive assistant to the Managing Director and also handled procurement. Pamela now works with Creditinfo Tanzania, and has from the first day they opened their doors. She currently takes care of all office administration work.
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Davith Kahwa

Executive Director
Co-founder and Executive Director of Creditinfo Tanzania, the first company licensed to carry out credit reference bureau business in Tanzania. Prior to that, he founded Equip GRC – advisory firm dedicated to partner with clients to address governance, risk management and compliance challenges. Dave has had extensive experience in working with boards and executives to enhance governance and risk management processes. He is one of the Founders of the Institute of Directors in Tanzania (IoDT) and member of the Institute of Directors in Southern Africa (IoDSA). Dave is a Fellow of the third class of the Africa Leadership Initiative -East Africa and a member of the Aspen Global Leadership Network. He lives in Dar es Salaam with his wife Joanmary and three children.
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