Ccp Winnie Gitau

Credit Management and accounts receivable professional with over five years of progressive experience managing customer accounts, optimizing cash collections, improving receivables performance, and supporting financial operations. Experienced in accounts receivable management, credit control, account reconciliation, collections, customer relationship management, reporting, compliance, and process improvement. Recognized for building strong customer relationships, resolving account issues, improving operational efficiency, and collaborating with cross-functional teams to support business objectives.

A proactive and analytical professional with excellent communication, negotiation, and leadership skills, committed to maintaining healthy cash flow while delivering exceptional customer service.

Credit Control Manager at Tamika Credit Limited (2022-09 – Present)

• Lead the Accounts Receivable and Collections function, ensuring timely recovery of outstanding customer balances while supporting healthy organizational cash flow.
• Develop and implement collection strategies that improve receivable performance and reduce overdue accounts.
• Monitor customer accounts and ageing reports to identify high-risk balances and recommend appropriate recovery actions.
• Reconcile customer payments received through multiple payment channels, ensuring timely allocation and accurate account balances.
• Collaborate with Finance, Sales, Customer Service, and Legal teams to resolve customer account issues and improve service delivery.
• Negotiate payment arrangements that balance customer needs with business objectives while maintaining positive client relationships.
• Prepare detailed ageing reports, portfolio performance reports, and operational updates for management decision-making.
• Review customer accounts to identify payment trends and recommend improvements to credit and collection processes.
• Train, mentor, and supervise collections staff to enhance productivity, compliance, and customer service standards.
• Ensure adherence to internal policies, regulatory requirements, and operational procedures.
• Drive continuous process improvement initiatives that enhance efficiency and strengthen customer experience.
• Strengthened collaboration between operational departments to improve customer account management.
• Enhance reporting processes to provide management with accurate and timely receivables information.
• Initiate processes aimed at improving cash collections and reduce delinquent accounts.
• Promote a customer-focused approach while maintaining strong financial controls.

Credit Controller at Tamika Credit Limited (2021-07 – 2022-09)

• Managed a portfolio of customer accounts to support timely collections and maintain healthy receivable balances.
• Conducted regular account reviews to identify overdue accounts and implement appropriate collection strategies.
• Negotiated payment arrangements and resolved customer account issues professionally.
• Reconciled customer accounts and investigated payment discrepancies to ensure accuracy.
• Prepared portfolio reports and provided analytical insights to support operational planning.
• Worked closely with internal departments to resolve customer concerns and improve service delivery.
• Maintained accurate customer records while ensuring compliance with company policies and regulatory requirements.
• Responded promptly to customer enquiries and resolved account-related issues effectively.

Business Development Officer at KWFT Microfinance Bank (2020-10 – 2021-03)

• Managed a portfolio of customer accounts, overseeing day-to-day lending, collections, and account management activities to ensure portfolio quality and timely repayments.
• Built and maintained strong relationships with customers by providing responsive, personalized service, which contributed to improved client satisfaction and higher retention rates.
• Prepared regular portfolio performance reports, tracking repayment trends and flagging early signs of default to support proactive decision-making.
• Educated customers on available financial products, loan terms, and repayment obligations, helping them make informed borrowing decisions and reducing delinquency.
• Conducted client visits and follow-ups to assess business needs, verify loan usage, and reinforce repayment discipline.
• Supported branch-level business development initiatives, including customer outreach and product promotion, to grow the branch's loan book.
• Ensured all lending and account management activities complied with organizational policies, credit procedures, and regulatory requirements.
• Collaborated with branch colleagues and management to resolve customer issues and streamline account processing.

Business Development Intern at KWFT Microfinance Bank (2019-11 – 2020-02)

• Assisted with customer onboarding and account administration.
• Supported portfolio monitoring and documentation.
• Assisted branch staff with operational and administrative activities.
• Contributed to customer service and business support functions.

Attaché at Nairobi City County Government (2018-05 – 2018-08)

• Supported administrative and financial operations within the department.
• Assisted in record management, report preparation, and office administration.
• Gained practical experience in public sector operations and financial administration.

Bachelor of Cooperative and Community Development in Cooperative and Community Development – The Co-operative University of Kenya (2019)

Kenya Certificate of Secondary Education (KCSE) – Senior Chief Koinange Girls' High School (2014)