John Mbugua

Results-driven and highly strategic Microfinance Professional with over 14 years of experience driving business growth, loan portfolio expansion, and customer relationship management within leading MFIs. Proven track record of managing multi-million shilling portfolios, expanding branch networks, and nurturing high-value SME and individual client relationships. Expert in credit risk appraisal, financial analysis, and structuring tailored credit facilities to drive high retention and low PAR (Portfolio at Risk).

Regional Manager / Business Development Lead - Dyrac Capital Limited - Nakuru, Gilgil, and Nairobi

(2024-01)

• Champion business development and relationship management strategy across three primary branches: Nakuru, Gilgil, and Nairobi.
• Guide branch teams to consistently meet and exceed loan disbursement and client acquisition targets.
• Oversee credit portfolio quality and loan structuring to align with institutional risk metrics.
• Mentor and train frontline business growth officers on relationship building and risk mitigation.

Branch Manager / Senior Relationship Lead - Premier Credit Limited - Multiple branches

(2014-11 - 2023-08)

• SME Centre Branch: Strategically expanded the branch portfolio from KES 60 Million to KES 100 Million through aggressive relationship banking and targeted SME onboarding.
• Kiserian Branch: Accelerated portfolio growth from KES 30 Million to KES 70 Million, maintaining strict control over asset quality.
• Thika Branch: Spearheaded market entry from inception, successfully building a KES 30 Million loan portfolio from the ground up.
• Formulated and executed business growth strategies while conducting second-level loan appraisals and comprehensive risk assessments.
• Maintained optimal customer satisfaction by striking a balance between client needs and company credit policies.

Business Growth & Development Officer - Letshego Kenya Limited (Formerly Micro Africa) - Yaya Centre and Kawangware branches

(2011-08 - 2013-12)

• Managed localized portfolio operations and active client relationships at Yaya Centre and Kawangware branches.
• Successfully sourced new clients, evaluated creditworthiness, and managed the complete loan lifecycle from disbursement to collection.
• Maintained an exceptionally healthy portfolio quality with minimal delinquency.

Business Growth & Development Officer - Growth Africa Kenya Ltd

(2010-06 - 2011-08)

• Promoted from Accounts Assistant to optimize lending operations and elevate client service standards.

Bachelor of Arts - Economics Major - University of Nairobi

Certified Public Accountants (CPA) - Vision Institute of Professionals

Kenya Certificate of Secondary Education (KCSE) - Mururia Secondary School