Joseph Gichuri

Knack for identifying customer/market needs and developing value propositions Successful track record in managing and executing new product development projects through all phases, from concept to commercialization.

Excellent data analytical skills: Proficient in Power BI, Tableau and Advanced Excel Proven relationship management and marketing skills. Building strong teams and ability to influence their culture.

ICT Skills: Proficient with Core Banking and ERP systems.

Business Development Manager (Central Kenya Region) - Mwalimu National Sacco Society Ltd - Central Kenya Region; Kangema,Kahuro,Mathioya,Othaya,Tetu,Mukurwe-ini,Nyeri Municipality,Kieni-East,Kieni-West,Nanyuki,M

(2025-04)

• Leading branch team in delivering branch business growth targets
• Assessing market conditions and identifying current and prospective business opportunities.
• Maintaining and following through a robust pipeline of branch opportunities.
• Building and maintaining relationships with key persons of influence, common interest groups and institutions in the marketplace.
• Developing branch business plans and other plans that may be required by senior management.
• Oversighting branch funds appropriately.
• Directing all operational aspects including service delivery, channel operations, cash operations, human resources, administration, marketing, member engagement and branch security.
• Leading branch and satellite staff, supporting their performance through varied strategies including training, mentoring, and coaching, personal development, and motivation.
• Locating areas of improvement and proposing corrective actions that meet challenges and leverage growth opportunities.
• Addressing customer and employee satisfaction issues promptly.
• Overseeing, identifying, developing, and managing human capital capable of delivering breakthrough results at the branch.
• Manage all branch and satellite human, cultural, business, and operating affairs.

Senior Credit Officer-Head Office - Mwalimu National Sacco Society Ltd - Head Office

(2013-03 - 2025-04)

• Supervise and Co-ordinate departmental loan processing
• Loans approvals
• Loan growth & performance trend monitoring
• Loan product development and review
• Loan policy review
• Risk & Compliance assessment
• New Business Development – Product reviews & introduction of new products
• Business projections and performance analysis for Board of Directors presentation.
• Performance presentation to Board: Finance & Credit Committee
• Annual Departmental budgeting and growth projections
• Deputizing and supporting Bosa Manager on both operational and strategic roles.

Micro-Credit Relationship officer – Group Lending - Equity Bank Ltd

(2008-02 - 2013-02)

• Supervise and Co-ordinate regional activities
• Customer outreach and promotions
• Recruitment of Youth & Women investment clubs
• Business Development training to customers
• Business appraisals for applied loans
• Loan performance monitoring.
• Championing loan product among colleagues for cross-selling
• Manage marketing – maximize revenue targets.
• Customer Relations management
• Market survey – business intelligence and implementation
• Budget development, annual disbursement forecasting
• Involvement in Product development with customers
• Departmental compliance assessments
• Pioneered roll out of group lending loan product in Karatina branch with a high loan volume and 0% Portfolio at Risk.

Credit Administration (Ag) - Equity bank Ltd

(2010-01 - 2013-02)

• Deputizing the Credit Manager
• Loans maintenance in the Bank Core System
• Generating loan reports
• Loans approval

Relationship Officer-Credit customer care - Equity Bank Ltd

(2011-01 - 2013-02)

• Monitoring Service Level Agreement performance
• Customer feedback & follow-ups
• Championing cross-selling of new products
• Loan growth & quality monitoring.
• Supervising branch marketing drives& trade fair participation
• Was able to double as a back & front officer since year2011 to year2013 (Credit Administration and Customer Care)

Bachelor of Arts - Economics & Public Administration - University of Nairobi (2003-10 - 2007-06)

CPA II - KCA University (2003-07 - 2005-12)

Secondary - Othaya Boys High School (1998-02 - 2001-11)

Primary - Kihuri primary School (1989-01 - 1997-11)