Joseph Kiboi

Data-driven sales and operations professional with experience in performance analysis, KPI tracking, portfolio monitoring, and customer behaviour insights. Skilled in converting operational data into actionable insights through Excel dashboards, trend reporting, and weekly performance summaries. Strong understanding of sales drivers, risk indicators, and portfolio quality metrics. Currently advancing skills in SQL and Power BI to strengthen reporting, visualisation, and forecasting capabilities.

Relationship Officer - Nawiri Africa Sprouts

(2024-06 - 2024-11)

• Conducted credit assessments by analysing financial data, validating KYC, and performing site visits.
• Maintained 97% client retention and loan repayment through regular follow-ups and risk identification.
• Monitored repayment trends and compiled weekly performance summaries for review.
• Standardised client record updates to enhance data accuracy reducing errors by 5%

Senior Business Development Officer - Jirani Smart Ltd, Mbale Branch

(2022-08 - 2024-02)

• Tracked and analyzed portfolio performance metrics, identifying at-risk clients and implementing recovery strategies that reduced non-performing loans by 4%.
• Led customer retention initiatives through proactive follow-ups and engagement strategies, improving client continuity and repeat business.
• Monitored repayment behaviour and risk indicators, enabling early intervention and contributing to improved portfolio quality.
• Analysed market trends, resulting in improved competitive positioning.

Business Development Officer - Jirani Smart Ltd, Mbale Branch

(2022-05 - 2022-08)

• Analysed recruitment, activation, and behaviour trends, driving 14% OLB growth.
• Supported a 4% PAR reduction through early-risk identification and structured follow-ups.
• Prepared weekly KPI updates used for planning and performance review

Business Development Intern - Jirani Smart Ltd, Mbale Branch

(2022-02 - 2022-05)

• Contributed to 25% OLB growth during internship by supporting client onboarding and engagement.
• Helped achieve 7% PAR reduction through repayment-trend monitoring and client follow-up.
• Updated performance data and prepared weekly field reports.

Bachelor of Business Information & Technology - Business Information & Technology - Taita Taveta University (2021-01)