Edward Muchoki

I am a results-driven and highly motivated financial services professional with extensive experience in branch operations, business development, sales and marketing, debt collection, and customer relationship management. Demonstrated ability to drive portfolio growth, improve loan recovery performance, and lead high-performing teams towards achieving organizational goals. I possess strong leadership and decision-making skills with a proven ability to manage branch operations efficiently while maintaining high standards of compliance, risk management, and customer service.

Experienced in credit appraisal, loan portfolio management, deposit mobilization, and developing strategic partnerships that support business growth. Known for being proactive, analytical, customer-focused, and performance-oriented, with excellent interpersonal and negotiation skills that enable the building of long-term relationships with clients and stakeholders. Adept at identifying business opportunities, solving operational challenges, and implementing strategies that enhance profitability and operational efficiency.

Branch Manager at Known Capital Limited (2025-11 – Present)

In this role the following were my key responsibilities:

• Develop and implement strategies to grow the branch's loan portfolio and deposit base.
• Identify and pursue new business opportunities within the branch's catchment area.
• Build and maintain strong relationships with customers, groups, businesses, and community leaders.
• Ensure achievement of branch sales and revenue targets.
• Oversee loan origination, appraisal, approval recommendations, and disbursement processes.
• Monitor loan portfolio quality and ensure timely collections and recovery of overdue loans.
• Implement measures to minimize portfolio at risk (PAR) and bad debts.
• Ensure compliance with the institution's credit policies and procedures.
• Manage daily branch operations to ensure efficiency and customer satisfaction.
• Ensure compliance with internal controls, operational procedures, and regulatory requirements.
• Monitor cash management and security procedures within the branch.
• Supervise, mentor, and motivate branch staff to achieve performance targets.
• Conduct staff appraisals and identify training and development needs.
• Promote teamwork, professionalism, and a high-performance culture.
• Ensure proper staff scheduling and discipline.
• Ensure high standards of customer service delivery.
• Address customer complaints and resolve issues promptly.
• Promote customer retention and acquisition initiatives.
• Prepare and manage the branch budget.
• Monitor branch profitability and cost control measures.
• Ensure proper utilization and safeguarding of branch assets.
• Ensure adherence to company policies, procedures, and regulatory guidelines.
• Identify and mitigate operational, credit, and fraud risks.
• Facilitate internal and external audits and implement recommendations.

Sales, Marketing and Debt Collection Representative at Kenya Credit Traders (2023-03 – 2025-10)

In this role I was responsible for driving the sales especially B2B and B2C, growth, promoting the company's products and services, maintaining customer relations and ensuring timely collection of outstanding payments from the clients. This role combined business development, customer engagement and credit management all in supporting the customer revenue and cash flow objectives.

• Identify and pursue new business opportunities to achieve sales targets.
• Develop and maintain relationships with existing and prospective clients.
• Prepare and deliver sales presentations, quotations, and proposals.
• Negotiate contracts and close sales agreements.
• Monitor market trends and competitor activities to identify opportunities.
• Promote the company's products and services through various marketing channels.
• Participate in marketing campaigns, exhibitions, trade fairs, and promotional activities.
• Assist in developing marketing strategies to increase brand awareness and market share.
• Gather customer feedback and market intelligence to improve products and services.
• Manage social media and digital marketing initiatives where applicable.
• Monitor customer accounts and outstanding balances.
• Contact customers through calls, emails, and visits to follow up on overdue payments.
• Negotiate repayment plans and payment arrangements where necessary.
• Maintain accurate records of collection activities and customer communications.
• Escalate unresolved accounts according to company policy.
• Prepare regular reports on debt collection performance and outstanding receivables.

Office Attendant at Kenya Credit Traders (2022-10 – 2023-01)

I provided administrative and clerical support to ensure the smooth and efficient operation of the office. The role involved correspondence, maintaining records, assisting staff, coordinating office activities and providing excellent customer services to visitors and clients.

• Teamwork
• Reliability
• Adaptability
• Problem-solving

Kenya Certificate of Secondary Education – Muthithi Secondary School (2022)