Irene Mbinya

Results-driven Economics and Statistics graduate with over 2 years of progressive experience in microfinance and consumer lending. Currently serving as a Loan Officer at Phoenix Capital Limited, with concurrent responsibilities in risk monitoring and compliance oversight. Previously at Mogo Auto Limited, where I advanced from intern to branch operations lead, managing loan origination, portfolio health, client education, and team coordination.

Proven ability to balance portfolio growth with rigorous risk mitigation, drive collections efficiency, and foster client trust through transparent financial education. Ready to step into a senior officer or assistant management role.

Loan Officer & Risk & Compliance Team Member - Phoenix Capital Limited - Nairobi, Kenya

• Evaluate and disburse loan applications, ensuring full alignment with company lending policies and regulatory requirements.
• Act as a risk officer, reviewing applicant profiles to identify red flags and recommend appropriate loan structures or declines.
• Support compliance functions by monitoring adherence to internal controls and external regulations, reporting any breaches to management.
• Structure repayment plans tailored to clients' financial capacity, improving collection rates and reducing early-stage defaults.
• Conduct proactive collections – including follow-ups, negotiations, and resolution plans for delinquent accounts.
• Monitor assigned portfolio daily, tracking repayment schedules and flagging at-risk accounts for early intervention.
• Educate clients on loan terms, repayment obligations, and default consequences to promote responsible borrowing and reduce misunderstandings.

Loan Officer (Intern) – with Acting Manager Duties - Mogo Auto Limited - Nairobi, Kenya

(2025-08 - 2026-03)

Progressed from intern to de facto branch operations lead, overseeing daily workflows, client escalations, and junior staff guidance.

• Prospected and onboarded clients for vehicle/asset financing (new cars, bodas, tuktuks, logbook loans, and refinancing).
• Conducted needs assessments and guided clients through documentation, ensuring completeness and accuracy.
• Consistently contributed to branch acquisition targets through effective engagement and follow-up.
• Evaluated loan applications across multiple product lines, verifying ID, income statements, and vehicle ownership papers.
• Performed detailed credit assessments to determine eligibility and repayment capacity, balancing growth with risk.
• Processed high volumes of applications efficiently while maintaining 100% compliance with credit policies.
• Educated clients on product features, interest rates, repayment terms, and penalties for default.
• Clarified financing options and benefits, empowering clients to make informed decisions.
• Improved client understanding, which directly contributed to better repayment behavior and fewer disputes.
• Monitored branch-level loan performance, tracking repayments and identifying at-risk accounts early.
• Analyzed portfolio data to spot repayment trends and prepared reports for management review.
• Supported collections by contacting overdue clients, negotiating solutions, and reinforcing the importance of credit standing.
• Helped reduce delinquency rates through consistent, professional client communication.
• Stepped in as acting branch manager, overseeing daily operations, resolving client escalations, and guiding junior team members.
• Collaborated with credit, documentation, sales, and management teams to streamline workflows and reduce processing delays.
• Recognized by the Head of People & Culture as a valuable team member for problem-solving and communication skills.
• Successfully onboarded a high volume of new clients during internship.
• Maintained exceptional accuracy in loan processing and documentation.
• Received positive supervisor feedback and was trusted with acting management responsibilities.

Attaché – Risk & Quality Assurance - Kenya Pipeline Company - Nairobi, Kenya

(2024-04 - 2024-08)

• Conducted operational risk analyses and proposed mitigation measures.
• Supported quality assurance audits to ensure compliance with corporate standards.
• Collaborated with senior officers to draft risk assessment reports.

Volunteer Teacher - Kalivu Secondary School

(2022-04 - 2022-08)

• Taught Mathematics and Business Studies, improving student performance.
• Organized mentorship programs to enhance students' employability skills.

Bachelor of Science - Economics and Statistics - Masinde Muliro University of Science and Technology

KCSE - Kisau Girls High School (2021)

Certificate - Computer Studies - Muthetheni Catholic Computer College (2021)