James Kamithi

Results-oriented Finance and Accounting Professional with progressive experience in financial management, accounting operations, credit management, financial reporting, budgeting, cash flow management, bookkeeping, reconciliations and regulatory compliance across the credit and insurance sectors. Demonstrated experience overseeing day-to-day financial operations, preparing financial statements and management reports, monitoring credit performance, managing loan disbursements and repayments, controlling expenses, maintaining accounting records and supporting audit and tax processes. Strong analytical capability with proven ability to interpret financial data, identify financial and credit risks, monitor business performance and provide financial insights to support strategic planning and management decision-making.

Experienced in maintaining accurate financial records, strengthening accounting controls and ensuring compliance with applicable financial policies, accounting standards and regulatory requirements. Combines practical finance experience with proficiency in QuickBooks, Microsoft Excel and Sage, supported by professional training as a Certified Public Accountant (CPA).

FINANCE MANAGER at Lin-cap Credit (2025-06 – Present)

• Oversee day-to-day financial operations, ensuring efficient and accurate execution of financial activities.
• Manage budgeting processes and monitor cash flow to support financial stability and operational requirements.
• Prepare accurate and timely financial reports for management review and decision-making.
• Ensure compliance with applicable financial policies, accounting requirements, and regulatory standards.
• Monitor credit performance, loan disbursements, and repayment activities to support effective credit portfolio management.
• Manage accounting records and conduct regular account reconciliations to maintain financial accuracy.
• Support and coordinate internal audit processes, ensuring appropriate financial documentation and controls are maintained.
• Analyse financial information and provide insights to management to support strategic business decisions.
• Monitor financial performance and identify areas requiring corrective action or improved financial controls.

ONLINE BOOKKEEPER at Acuity Insurance Brokers (2023-04 – Present)

• Manage and update financial records using online accounting systems.
• Accurately record financial transactions and maintain organized accounting records.
• Conduct account reconciliations and monitor expenses to ensure accuracy and completeness.
• Prepare invoices, process payments, and compile monthly financial summaries.
• Maintain confidentiality and integrity of financial information in accordance with accounting requirements.
• Support management through the preparation of financial reports and budget analysis.
• Monitor financial records to identify discrepancies and support timely corrective action.
• Ensure financial information is properly documented and readily available for management review.

SENIOR FINANCE OFFICER at Ngao Credit Limited (2024-12 – 2025-05)

• Managed daily financial operations, including budgeting, expenditure monitoring, and financial control.
• Prepared and analyzed financial statements and management reports to support operational and strategic decision-making.
• Oversaw loan processing, disbursement, and repayment monitoring.
• Monitored credit performance and supported the identification of potential repayment and credit risks.
• Ensured compliance with internal financial policies, audit requirements, and applicable regulatory standards.
• Supported financial forecasting and data analysis for strategic planning and business decision-making.
• Reviewed financial information to identify trends and support management with relevant financial insights.

SENIOR FINANCE OFFICER at Lucent Insurance Broker (2021-12 – 2024-11)

• Oversaw financial reporting, budgeting, and expense management across financial operations.
• Managed premium collections, claims payments, and account reconciliations.
• Prepared financial statements and management financial information.
• Ensured compliance with relevant regulatory and financial reporting standards.
• Monitored cash flow and supported financial planning and expenditure management.
• Supported audit and tax processes through accurate financial records and documentation.
• Analyzed financial information and provided insights to support business planning and management decision-making.
• Maintained accurate accounting records and supported effective financial controls.

ACCOUNTANT at Ngao Credit Limited (2018-01 – 2021-11)

• Accurately recorded financial transactions, including loan disbursements, repayments, expenses, and revenues.
• Prepared financial statements, including balance sheets, income statements, and cash flow statements.
• Tracked loan performance and monitored repayment rates to support effective credit management.
• Analyzed loan performance information and identified potential credit and repayment risks.
• Maintained accurate and up-to-date accounting records to support financial reporting and management review.
• Supported compliance with local laws, tax requirements, and applicable financial reporting standards.
• Assisted in maintaining financial controls and ensuring proper documentation of financial transactions.
• Supported management with accurate financial information for operational and financial decision-making.

Certified Public Accountant – RCM Online College (2025 – 2025)

Kenya Certificate of Secondary Education – Nyagatugu Boys High School (2008 – 2008)

Kenya Certificate of Primary Education – Karung'e Primary School (2004 – 2004)