Assistant Director Credit, Upper Eastern at Women Enterprise Fund (2025-07 – Present)
Lead the regional implementation and adherence to all credit policies, strategies, and regulatory procedures, ensuring alignment with the Fund's national objectives and CBK guidelines.
- Credit Policy & Strategy Implementation: Lead the regional implementation and adherence to all credit policies, strategies, and regulatory procedures, ensuring alignment with the Fund's national objectives and CBK guidelines.
- Regional Portfolio Management: Spearhead the development and execution of credit management strategies for the region, directly responsible for achieving targets for both the size and quality of the loan portfolio.
- Stakeholder Engagement & Resource Mobilization: Identify and cultivate strategic partnerships with development partners, financial intermediaries, and relevant government agencies for collaboration, resource mobilization, and enhancing the Fund's regional impact.
- Loan Portfolio Recovery & Risk Management: Coordinate and oversee the recovery of all overdue loans in the region, implementing robust mitigation measures to minimize non-performing loans (NPLs).
- Business Development & Market Innovation: Initiate the development and review of the Fund's financial products and services. Conduct market research and feasibility studies to identify new funding opportunities.
- Capacity Building & Advisory Services: Organize and coordinate capacity building programs, sensitization campaigns, and financial advisory services for beneficiaries, enhancing their business acumen and loan repayment capability.
- Monitoring, Reporting & Compliance: Coordinate the monitoring of funded women enterprises and generate comprehensive regional reports on loan uptake, repayment performance, and portfolio health for senior management.
Senior Credit Officer at Women Enterprise Fund (2017-07 – 2025-06)
Executed the implementation of national credit policies, strategies, and digital lending processes. Played a key role in promoting innovation and business process re-engineering to enhance operational efficiency and the Fund's mandate delivery.
- Policy Implementation & Process Re-engineering: Executed the implementation of national credit policies, strategies, and digital lending processes. Played a key role in promoting innovation and business process re-engineering to enhance operational efficiency and the Fund's mandate delivery.
- Portfolio Monitoring & Reporting: Coordinated the preparation of periodic performance reports for the Fund's national loan portfolio. Produced detailed loan status and arrears management reports for executive management, enabling data-driven decision-making.
- Financial Intermediary Management: Monitored and evaluated the operations of Financial Intermediary Partners to ensure compliance with service level agreements and the Fund's lending criteria.
- Credit Security & Recovery: Managed the perfection of security documents for loan issuance and facilitated their discharge upon repayment completion. Identified non-performing loans (bad debts) and recommended effective recovery mechanisms to mitigate losses.
- Loan Recovery Coordination: Implemented and coordinated national loan recovery programs for outstanding loans, ensuring the timely remittance of all repayments to the Fund.
- Data Management & Advisory Services: Updated and maintained a critical national database of information on loan products and services. Provided expert financial advisory services to loan beneficiaries to support business sustainability and repayment success.
Senior Relationship Officer – Remedial at First Community Bank (2015-12 – 2017-07)
Implemented aggressive remedial actions and closely monitored a portfolio of non-performing and overdrawn accounts, successfully maintaining the Portfolio at Risk (PAR) ratio below the 5% threshold.
- Portfolio at Risk (PAR) Management: Implemented aggressive remedial actions and closely monitored a portfolio of non-performing and overdrawn accounts, successfully always maintaining the Portfolio at Risk (PAR) ratio below the 5% threshold.
- Debt Restructuring & Recovery: Analyzed the merit of distressed accounts and initiated their rescheduling or restructuring, ensuring the bank's financial interests were protected while maximizing recovery potential.
- Stakeholder Coordination for Recovery: Liaised directly with regional coordinators, branch networks, and assigned Sharia audit teams to ensure prompt and consistent corrective action was taken on deteriorating accounts across the region.
- Legal & Third-Party Management: Coordinated effectively with external auctioneers and debt collectors, providing timely updates and directives to ensure continuous remedial action until the logical conclusion of each case.
- Customer Query Resolution: Served as the primary point of contact for and expertly resolved all complex customer queries related to accounts under remedial management or external debt collection.
Senior Relationship Officer – Consumer Banking at Rafiki Microfinance Bank (2013-02 – 2015-12)
Marketed and grew the bank's business by actively mobilizing liabilities (deposits) and selling a wide range of credit products, including asset finance, insurance premium finance, plot loans, and mortgage facilities to new and existing clients.
- Business Development & Sales: Marketed and grew the bank's business by actively mobilizing liabilities (deposits) and selling a wide range of credit products, including asset finance, insurance premium finance, plot loans, and mortgage facilities to new and existing clients.
- End-to-End Credit Management: Executed the full credit cycle from initial client appraisal and risk assessment to disbursement, ensuring strict compliance with the bank's policies and procedures.
- Deposit Mobilization: Successfully met and exceeded defined targets for deposit mobilization, contributing to the bank's liquidity and growth objectives.
- Credit Decision Making: Served as a key member of the Branch Lending Committee, participating in credit decision-making processes to ensure sound risk assessment and mitigation.
- Team Leadership & Branch Operations: Provided acting leadership for the Credit Manager in their absence and served as the Branch Credit Administrator, responsible for preparing offer letters and facilitating flawless loan disbursements upon security perfection.
- Delinquency Management: Negotiated and agreed on feasible repayment plans with delinquent clients to ensure efficient and timely recovery of the bank's funds.
Senior Relationship Officer - Consumer Credit at Equity Bank (2010-07 – 2013-02)
Managed key aspects of the consumer credit lending process at the branch level, including loan appraisal, disbursement, documentation, monitoring, and recovery.
- Consumer Loan Portfolio Coordination: Managed key aspects of the consumer credit lending process at the branch level, including loan appraisal, disbursement, documentation, monitoring, and recovery.
- Portfolio Quality & Growth: Built and maintained an exceptional quality loan book valued at over KES 300 million within two years, achieving and sustaining a low Portfolio at Risk (PAR) of 2%.
- Risk Mitigation & Compliance: Safeguarded the bank against loss by ensuring the accuracy, completeness, and creditworthiness of all consumer lending proposals. Recommended risk mitigation measures and enforced sanction conditions.
- Team Management & Training: Managed and mentored a team of Credit Officers to achieve a high-quality loan book that maximized the branch's profitability. Involved in training direct reports on best practices in credit management.
- Branch Leadership Roles: Acted in the capacity of Branch Credit Administrator for 6 months and served as the Branch Compliance Champion, ensuring adherence to all internal and regulatory guidelines.
