James Wangari

I am at my best in a job where I can concentrate on my tasks in privacy, and have some level of both independence and collaboration in decision-making. I also am confident and persistent, able to deliver and conclude challenging and complex tasks and processes within a tight schedule and with minimal supervision. Hectic and varying work suits me very well.

I am able to handle unpredicted situations in everyday work life, Tasks where I have an opportunity to solve problems bring the best out of me.

Collection & Recovery Officer at Sunculture Kenya Ltd (2022-01 – Present)

Manage debt recovery processes, collections reporting, and client negotiations for loan recovery.

• Prepare approval requests to management for negotiated settlements and follow up until account is fully settled and the balance paid off
• Ensure compliance to Sun culture Kenya Credit Policy and Procedures regarding management of debt recovery process
• Maintain and prepare Weekly collections reports, updates and status
• Maintain a consistent reduction of non-performing debts through aggressive recoveries
• Undertake regular and frequent calls, site visits, and follow-ups with the clients to implement remedial strategies and action plans for loan recovery
• Handle customers' questions or complaints
• Negotiate payoff deadlines and payment plan
• Locate and contact debtors. Negotiate for repayment with bad debtors during recovery enforcement process
• Maintain a proper Debt Recovery documentation
• Plan a course of action to recover outstanding payments
• Demand and enforce repayment of the bad debts
• Negotiate for repayment with bad debtors during recovery enforcement process
• Monitor arrangements for payments from bad debtors

Field Debt Recovery Officer at Mwananchi Credit Limited (2020-07 – 2021-09)

Enforced repayment of bad debts, negotiated with debtors, attended public auctions, and managed customer relationships.

• Demand and enforce repayment of the bad debts
• Negotiate for repayment with bad debtors during recovery enforcement process
• Monitor arrangements for payments from bad debtors
• Attending public auctions as Mwananchi Credit Ltd representatives
• Liaise with auctioneers in the realization of securities and monitoring auctioning process to satisfactory conclusion
• Managing effective relationships with internal and external customers
• Ensure effective communication to internal and external customers in writing (correspondence), on phone or in person
• Check and verify the accuracy, completeness of the documents against the checklist provide according to product lines; KYC/AML compliance requirements
• Prepare, submit detailed and accurate reports from recovery assignments making actionable business-oriented recommendations to management
• Maintain a proper Debt Recovery documentation
• Any other official duty that may be allocated by management from time to time

Debt Recovery Officer/Credit Risk Analyst at Progressive Credit Microfinance Ltd (2015-11 – 2020-07)

Evaluated customer records, analyzed credit data, collected outstanding debts, and assessed credit risk for loan approvals.

• Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity
• Complete loan applications, including credit analyses and summaries of loan requests, and submit to loan committees for approval
• Consult with customers to resolve complaints and verify financial and credit transactions
• Create a list of people who have not made payments. Identify debtors requiring follow up debt recovery action
• Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money
• Collect outstanding debts from clients and achieve collection target
• Maintain debtor's book to ensure that the debt status is accurate and latest. Maintain excellent records of contact, transactions and progress
• Collect payments on past due bills
• Prepare reports that include the degree of risk involved in extending credit or lending money
• Organize list according to severity of delinquency. Monitor slow moving accounts to identify delinquent debts and take necessary action to recover the debts
• Call customers using telephone. Inform clients of overdue accounts and amount currently owed. Attempt to collect payment. Listen to customer's story and determine if debt can be collected
• Contact identified debtors to effectively develop a payment plan that achieves either a debt paid in total or an agreed planned and methodical payment plan
• Record new commitment to repay debt. (loan restructure)

Salesman at Daddy's Wines and Spirits (2014-05 – 2015-02)

Presented and sold company products and services to current and potential clients.

• Present and sell company products and services to current and potential clients
• Establish and maintain current client and potential client relationships
• Follow-up for collection of payment
• Develop and maintain sales materials and current product knowledge

Manager at Mevajo Gas Market (2012-09 – 2013-12)

Oversaw daily business operations, managed stock records, and ensured customer satisfaction.

• Compiling records concerned with ordering, receiving, storing, issuing materials from the store
• Compiling stock records and information
• Preparing requisitions and purchasing of stock items
• Overseeing day to day running of the business
• Ensuring customers enquires are answered
• Facilitating a safe working environment for employees

Human Resource Manager at Merica Service Station (2011-08 – 2012-02)

Managed recruitment, employee training, conflict resolution, and daily business operations.

• Recruitment, Orientation and training of new employees
• Conflict mediation, solving employees' conflicts
• Salary and benefits compilation
• Over whole running of the day to day affairs of the business

Sales Agent at Pan Africa Life Embu Branch (2010-01 – 2012-05)

Handled customer inquiries, conducted market research, and managed customer appointments.

• Handle and manage customers enquiries
• Answer customer inquiries regarding products and services
• Conducting market research and field survey for client's products and services
• Managing, monitoring and scheduling customer appointments

Intern at Embu Farmers Sacco Society Ltd (2008-09 – 2008-12)

Rotated through multiple departments including Customer Care, Loan, Micro Finance, Savings, and Control sections.

• Customer Care Section; Checking balances, opening new accounts, Filing Internal Transfers and cheques application forms, attending to customers inquires and electronic data entry
• Loan Section; Loan application, Loan appraisal, Loan disbursement and recoveries, Preparation of weekly and monthly report
• Micro Finance Section; Posting group repayment, reconciling group accounts, visiting group, filing group records, Preparing monthly reports
• Saving Section; Posting salary/ data entry, Opening new accounts
• Control Section; Reconciliation of account

CPA Part 1 in Accounting – Pinnacle Business College (2018-01 – 2018-05)

QuickBooks Accounting in Accounting – Achievers College Embu (2010-09 – 2010-09)

Diploma in Business Administration in Business Administration – Nyeri Technical Training Institute (2007-05 – 2009-11)

BCE Class Driving Licence in Driving – AA Driving School Embu (2006-01 – 2006-03)

Computer Skills Certification in Information Technology – Compliance Computer College (2006-03 – 2006-06)

Kenya Certificate of Secondary Education in General Education – Ruthagati High School (2002-02 – 2005-11)

Kenya Certificate of Primary Education in General Education – Karatina D.E.B Primary School (1994-01 – 2001-11)