Management Team

Julius Mcharo is the Managing Director ,a founding Board member and former Chairman of Victoria Finance Plc, where he played a pivotal role in establishing governance structures, Board committees, and strategic direction during the institution’s formative years. Under his leadership, the organization expanded into one of Tanzania’s leading microfinance institutions. He later transitioned into an executive role to support execution and scale, providing him with a rare combination of Board level oversight and hands on leadership perspective. aMr. Mcharo is a seasoned Board Director and Chief Executive Officer with over thirty (30) years of experience in banking, microfinance, treasury, and financial markets across Tanzania and the East African region. He brings deep expertise in corporate governance, financial oversight, risk management, and institutional growth, gained through executive leadership and Board service in highly regulated environments. Previously, Mr. Mcharo served as Chief Executive Officer of Commercial Bank of Africa (Tanzania) Limited, where he led a successful turnaround from loss making operations to profitability within three years. As Chief Eexecutive Officer, he worked closely with the Board on strategy, capital adequacy, asset quality, regulatory compliance, and digital transformation, including the introduction of one of Tanzania’s earliest digital banking solutions(Mpawa). His experience equips him with strong insight into Board–Management dynamics and fiduciary responsibilities. His international exposure includes professional assignments and executive programs in the United Kingdom, South Africa, Singapore, Kenya, Ghana, Zimbabwe, and Turkey. In addition to his executive and Board roles, Mr. Mcharo serves as a Director of the Institute of Directors in Tanzania (IoDT) and as a Board Director of Victoria Insurance Brokers Limited, the organizations he helped to establish. He is also a Director of Norblestride Capital ,a regional capital and investment consulatancy firm based in Nairobi and a Member of Norges Vel Tanzania, a Norwegian development organization, where he contributes to sustainable development oversight. Earlier in his career, he was a Member of the Executive Committee of the EAC Financial Sector Regionalization and Development Project (Phase I), supporting regional financial sector integration initiatives.He has pionered the professional development in the financial markets in Tanzania playing a vital role as the President and Secretary General of ACI Tanzania,the financial market association and was responsible for acceptance of the ACI Tanzania Chapter into ACI International. Mr. Mcharo is a professonal banker , a certified public accountant (CPA T) and holds an MBA from the Eastern and Southern Management Institute (ESAMI), as well as a Bachelor of Commerce (Honours) from the University of Dar es Salaam. He has completed both the Certificate and Mastery in Directorship with the Institute of Directors in Tanzania. He is widely respected for his independent judgment, ethical leadership, financial acumen, and strategic insight, and is well suited for Non Executive Director, Board Chair, and Audit or Risk Committee roles, particularly within financial institutions, insurance, fintech, and development oriented organizations.

She is the Chief Finance Officer of Victoria Finance responsible for financial management, Operational Efficiency, Funding mobilization, and Strategy execution She has extensive experience in financial audit and advisory environments for more than nine years at Deloitte Touché. Esther started her career as an Audit Associate, rising to the position of Audit Senior Her major areas of focus have been in Financial Institutions, Manufacturing, Oil Gas, Consumer Business, Government institutions, Donor Funded Projects, and NGOs Previously, she worked with the Deloitte Kizazi Hodari Southern Zone Project as a Financial Accountant before joining Victoria Finance. She is a qualified Accountant (ACPA PP) and holds a Bachelor of Commerce in Finance with extensive knowledge of international Financial Reporting Standards ( government accounting, tax and value for money audit).

Eliamlis Mlay serves as the Chief Business Development Officer at Victoria Finance PLC, where he leads the Group's growth strategy, market expansion, and strategic partnerships across Tanzania. With extensive experience in microfinance / financial services, Eliamlis has been instrumental in driving Victoria Finance's commercial growth, strengthening its position as a trusted provider of tailored financial solutions to underserved entrepreneurs and communities. At Victoria Finance, Eliamlis is responsible for identifying and cultivating new business opportunities, managing key stakeholder and investor relationships, and driving the Group's commercial strategy in line with its mission to deliver tailored, high-impact financial solutions that empower entrepreneurs to achieve economic independence and long-term success.

He is the Ag Chief Credit Officer of Victoria Finance Plc. He is responsible for formulating strategies, planning and quality management of loan portfolio. He oversees the operations department which vests the portfolio management functions. He holds Bachelor of Business Administration with Minors in Accounting and Information Technology from the Carthage College Kenosha Wisconsin WI (U.S.A), (2003) and Certificates on various courses in Banking and Leadership. He has an extensive experience in Banking and other financial entities for more than 15 years. His past experience includes being in a number of roles in Retail Banking Acting Branch Manager and Business Development Manager, Relationship Manager in Corporate Banking, Personal Banking and Special Assets Management. Also, Involved in Trade and Treasury Operation as Senior Officer at NCBA Bank Tanzania Limited. Also work at Standard Chartered Bank in retail banking.

Yeye ni Mhandisi wa TEHAMA ambaye alianza kazi yake kama Mchambuzi wa Mifumo, nafasi aliyohudumu kwa zaidi ya miaka miwili. Amebobea katika usimamizi wa mitandao na mifumo, na ana uelewa mpana wa programu mbalimbali pamoja na mifumo ya uendeshaji. Kabla ya kujiunga na Victoria Finance Plc, aliwahi kufanya kazi katika Aga Khan Foundation na NPK Technologies kama Afisa wa Teknolojia ya Habari na Mchambuzi wa Mifumo, mtawalia. Baadaye alijiunga na Vision Max Company kama Mchambuzi wa Mifumo. Alijiunga na Victoria Finance Plc mwezi Oktoba 2020 kama Afisa wa TEHAMA, akihusika na kusimamia shughuli zote za TEHAMA za kampuni. Noel ana Shahada ya Sayansi katika Uhandisi wa Kompyuta na Teknolojia ya Habari kutoka Chuo Kikuu cha Dar es Salaam.

She is an experienced microfinance professional with more than 19 years dedicated to strengthening financial inclusion and empowering underserved communities in Tanzania. She currently serves as Programme Manager at Victoria Finance Plc (VFP), where she leads key initiatives focused on expanding access to responsible and sustainable financial services. Her career includes senior leadership roles such as Chief Operations Officer, Head of Operations, Regional Manager, and Branch Manager, contributing significantly to institutional improvement, operational efficiency, and credit portfolio growth. She is strongly committed to supporting women, youth, and special groups through income‑generating initiatives and tailored financial solutions. One of her notable achievements is championing the development of a Water and Sanitation financing product in partnership with TAMFI and Water.org, enhancing access to essential services for low‑ and middle‑income households. Her impact was recognized at the 2024 TAMFI Women in Finance Event, where she received a Trophy of Appreciation. She holds qualifications in Community Development and Environmental Planning and Management.

She is an Advocate of the High Court of Tanzania and the current Legal & Compliance Officer. Has more than eight years of professional legal practice. He worked as Senior Advocate with both RMS Attorneys and FCB Consultancy Limited before joining Victoria Finance. She holds Bachelor of Law from Mzumbe University and a Post Graduate Diploma in legal training and practice from Law School of Tanzania.

Harriet Haule is the current Internal Auditor of Victoria Finance Plc. She has more than five years of progressive experience in both external and internal audit, financial management, grants oversight, internal controls, risk assessment and compliance across consulting and development-sector environments. She began her career at EY Tanzania, progressing from Audit Associate to Senior Auditor. She later joined organizations including Tanzania Health Promotion Support and Hellen Jeff Consulting Ltd where she served as a Regional Grants Officer and Accounts & Audit Supervisor, respectively. She holds a Bachelor of Commerce in Finance from Strathmore University, Nairobi, Kenya, and is currently pursuing the Certified Public Accountant (CPA) qualification with NBAA, further strengthening her technical expertise and professional competence.