Antony Lubondi
SME Banking & Relationship Management Professional | Portfolio Growth | Credit Mobilization | Deposit & NFI Expansion | Customer Retention
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About
Results-driven SME Banking and Relationship Management professional with over 5 years of progressive experience in retail and SME banking, portfolio growth, telesales, and digital financial services. Proven ability to grow loan books, mobilize deposits, expand non-funded income, and manage customer relationships across diverse market segments. Demonstrated strength in cross-selling, customer acquisition, retention strategies, NPL containment, and sales performance reporting.
Highly skilled in client engagement, pipeline development, financial product positioning, and stakeholder coordination. Adept at working in high-pressure, target-driven banking environments, with a strong grounding in project planning, reporting, and structured execution. Currently serving as an Assistant Relationship Manager – SME Banking, delivering measurable portfolio growth and customer satisfaction outcomes.
Experience
Branch Business Consultant – SME Banking at HFC BANK KENYA (2022-12 – Present)
Key Roles & Accomplishments
- Manage and grow an SME banking portfolio, driving consistent increases in loan book size, customer deposits, and non-funded income.
- Proactively engage existing SME clients to identify credit opportunities, cross-sell banking products, and deepen wallet share.
- Support loan book growth while contributing to NPL reduction initiatives through customer engagement and early risk identification.
- Strengthen client relationships by gathering feedback, resolving service issues, and coordinating with internal units to enhance customer experience.
- Actively source new SME clients, expanding the branch's business pipeline and market footprint.
- Serve as a trusted first-level business advisor to SME customers on banking products and service utilization.
- Consistently contributed to portfolio growth across loans, deposits, and NFI.
- Improved customer retention through proactive relationship engagement.
- Supported branch-level performance targets within SME banking.
Telesales Officer – Retail & SME Products at HFC BANK KENYA (2020-06 – 2022-12)
Key Roles & Accomplishments
- Managed an assigned customer portfolio, executing targeted outbound sales calls to cross-sell loans, accounts, and digital banking products.
- Drove customer retention and revenue growth through structured follow-ups and needs-based product recommendations.
- Created market awareness for new banking products and service enhancements.
- Maintained accurate prospect databases, ensuring effective pipeline management.
- Prepared and submitted daily and weekly sales performance reports to management.
- Collected customer feedback and escalated service issues to improve overall client satisfaction.
- Strengthened customer retention through consistent engagement.
- Supported sustained sales volumes in a high-target telesales environment.
- Contributed to improved product uptake and service awareness.
Sales Merchant – Digital Financial Services (HF Whizz) at INTERACTIVE COMMUNICATIONS (ON CONTRACT – HOUSING FINANCE) (2019-02 – 2019-11)
Key Roles & Accomplishments
- Supported rollout and adoption of HF Whizz digital banking services by recruiting agents and onboarding customers.
- Facilitated opening of HF Paybills, enabling customers to deposit cash conveniently.
- Conducted customer education on digital banking solutions, improving usage and adoption rates.
- Maintained customer records and supported customer retention initiatives.
- Compiled and submitted daily and weekly sales and activation reports.
- Expanded digital banking reach through agent recruitment.
- Improved customer understanding and adoption of digital financial services.
Project Support & Site Operations Assistant at Enterprise General Malt Forest (Kenya) & Philsam Kenya (2018-02 – 2018-05)
Key Roles & Accomplishments
- Supported construction activities for wind power transmission line and turbine projects.
- Assisted with minor supervisory duties, ensuring adherence to project timelines and site coordination.
- Gained exposure to infrastructure project execution and operational discipline.
Sales & Brand Activation Associate at Interactive Communications Agency (2016-01 – 2017-12)
- Delivered nationwide van-storm sales campaigns for Unga Limited (AMANA cereals) and Beiersdorf (NIVEA products).
- Supported market penetration, brand awareness, and competitor intelligence gathering.
- Acted as a brand ambassador for Pernod Ricard, promoting premium whisky brands through activations, customer engagement, and relationship building.
- Tracked market trends, customer preferences, and competitor activity to inform sales strategies.
Project Planning & Reporting Intern at National Environment Management Authority (NEMA) (2015-10 – 2016-04)
- Reviewed project proposals, work plans, and budgets for Adaptation Fund projects.
- Participated in project implementation planning and reporting across counties.
- Supported compilation of environmental status reports.
- Attended specialized training on Adaptation Investment Planning, hosted by WRI, NEMA, and the National Treasury.
Education
Bachelor of Science in Project Planning & Management – Moi University (2013-01 – 2016-01)
Diploma in Communication & Public Relations – Moi University (2012-01 – 2013-01)
Kenya Certificate of Secondary Education (KCSE) – Karura Adventist School (2006-01 – 2010-01)
