Jacob Sero

Results-driven banking professional with over three (3) years' experience. Graduate of Jaramogi Oginga Odinga University of Science and Technology, holding a Bachelor of Actuarial Science with Information Technology. Core competencies include relationship management, loan appraisal, disbursement, Portfolio at Risk (PAR) monitoring, and recoveries.

Demonstrated expertise in driving loan portfolio growth while maintaining strong credit risk controls across nano, micro, and SME customer segments. Proficient in cashflow-based credit analysis to ensure prudent lending and sustainable repayment capacity. Track record of supporting loan book growth while preserving asset quality through proactive portfolio monitoring, early delinquency tracking, and continuous customer engagement.

Experienced in agency banking, merchant acquiring, omnichannel solutions, and customer service delivery. Analytical background with credit risk expertise and results-driven approach enables sustainable portfolio growth while safeguarding asset quality.

Data Officer (DO) – DigiFime - KCB Bank Kenya Ltd

(2026-01)

• Financial literacy training to unbanked nanos, micros, and SMEs (with focus on female-led businesses)
• Customer onboarding and digitization into banking platforms

-Digiflme lending and recoveries.

-Growing and maintaining quality portfolio on digital space.

• Promotion of suitable banking products and advisory services
• Support transaction activation and sustainable customer engagement

Finance Officer / Sales & Marketing - Lence Amazons Co. Ltd

(2025-10 - 2026-01)

• Managed financial records and basic reporting
• Supported sales and marketing initiatives
• Provided financial planning input to management

Relationship Officer – Credit (Biashara Banking) - Equity Bank Kenya Ltd – Luanda Branch

(2022-10 - 2025-06)

• Managed micro and MSME customer portfolios
• Supported credit appraisal through cashflow analysis
• Customer advisory and relationship management
• Promotion of agency banking, merchant acquiring, and omnichannel solutions
• Portfolio quality support and digitization uptake

Customer Service Executive / Sales - Airtel Kenya Networks (Sheer Logic Consultants)

(2022-07 - 2022-10)

• Customer service delivery and complaint resolution
• Product promotion and customer onboarding

Teacher – Mathematics & Geography - St. Joseph Kakrigu Girls Secondary School

(2019-06 - 2022)

• Teaching and student mentorship
• Instruction in Mathematics, Geography, Business Studies, and Sciences (holiday programs)

Sales Agent / Financial Advisor - Pioneer Assurance Company Ltd

(2018-06 - 2018-12)

• Life insurance sales and financial advisory
• Client needs assessment and relationship management

Banking Operations & Bancassurance Intern - Cooperative Bank of Kenya – Bondo Branch

(2017-03 - 2017-06)

• Customer service support and account opening
• Loan due diligence and callbacks
• Bancassurance cover issuance

Bachelor - Actuarial Science & Technology with IT - Jaramogi Oginga Odinga University of Science and Technology (2014 - 2017)

KCSE - Obwolo Mixed Secondary School

KCPE - Obwolo Primary School