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.
