Mr Tore is a seasoned Microfinance Expert, an Executive with a solid reputation for achieving corporate growth objectives by providing strategic direction, diverse perspectives, and positive leadership. Improves organizational efficiencies and sustainable revenue while reducing costs. Proven operations strategist with a track record in leading complex improvement initiatives in microfinance (Social) business and applying solid technical, research and analytical abilities. Inspires staff to achieve high standards of performance and disseminates a culture based on ethics, excellence, and client satisfaction.

Before he became a member of the Institute of Directors Zimbabwe and a Fellow of Microfinance Association (UK), Joseph is a holder of Master of Science in Finance and Investments Degree from National University of Science and Technology (Zimbabwe), and a BSc. Honours in Economics from the University of Zimbabwe. He attended Frankfurt School of Finance and Management (Germany) for training in various Lending related courses with specific focus on Microfinance and Risk Management. A trained Responsible Inclusive Finance (RIF) Practitioner- certificate obtained from Special Performance Task Force. Equipped with Effective Debt Collection Techniques certified by The Institute of Credit Management in Zimbabwe. He attended various trainings in London on strategic management for microfinance practitioners delivered by The Microfinance Resource Centre (USA).