Josiah Kemboi

Results-driven financial services professional with over 13 years of progressive experience in relationship management, credit appraisal, loan portfolio management, debt recovery, business development, and deposit mobilization. Proven track record in growing liability portfolios, managing non-performing loans (NPLs), and delivering measurable business outcomes in SACCO, microfinance, and commercial banking environments. Adept at cross-selling financial products, building client relationships, and ensuring regulatory compliance.

Committed to operational excellence, portfolio quality, and customer satisfaction.

Relationship Officer - UnaitasSACCOSocietyLtd - Nakuru

(2023-07 - 2026-04)

• Received, recorded, and appraised loan applications in accordance with credit policy, ensuring accurate documentation and timely processing.
• Mobilized deposits and grew the branch liability portfolio through targeted customer acquisition, retention, and relationship management strategies.
• Marketed and cross-sold SACCO products and services including loans, savings accounts, insurance products, and digital banking solutions.
• Processed customer transactions accurately, including cash deposits, withdrawals, fund transfers, and cheque processing.
• Managed key account relationships through regular client engagement, cross-selling, and upselling to maximize wallet share.
• Conducted periodic business visits to assess clients' financial standing, provide technical advisory support, and strengthen client relationships.
• Trained clients on business planning, loan application procedures, and credit delivery documentation; provided follow-up support to ensure compliance.
• Coordinated with credit, treasury, and operations departments to ensure seamless and efficient service delivery to clients.
• Evaluated creditworthiness of loan applicants through prescribed financial background checks and rigorous appraisal processes.
• Ensured correct loan documentation including repayment schedules, loan agreements, and promissory notes were prepared and delivered to clients.
• Monitored loan repayments against schedules, followed up on arrears same-day, and presented exception reports to the branch manager.
• Monitored facility covenant compliance to ensure loan performance and portfolio profitability.
• Prepared customized client proposals, call reports, and periodic management reports to support Monitoring & Evaluation (M&E).
• Collaborated with risk and compliance units to ensure effective internal controls and mitigate operational risks.
• Conducted client orientation sessions and community outreach to market SACCO financial products and recruit new members.
• Ensured adherence to all organizational policies, procedures, and credit guidelines governing financial services delivery.
• Consistently met and exceeded deposit mobilization and loan disbursement targets throughout tenure.
• Maintained high-quality loan portfolio by applying rigorous appraisal standards, reducing the likelihood of NPL formation.
• Strengthened client retention and loyalty through proactive relationship management and personalized service delivery.
• Successfully onboarded new business clients and groups, contributing to branch liability portfolio growth.

Debt Recovery Officer - LetshegoKenyaLtd

(2018-06 - 2023-06)

• Actively monitored loan portfolio performance and recommended proactive interventions to prevent performing loans from transitioning to non-performing status.
• Managed, collected, and recovered outstanding amounts within the assigned NPL and written-off portfolio in line with communicated recovery targets.
• Tracked written-off loans and executed structured recovery plans aligned with the institution's financial objectives.
• Conducted daily client follow-ups via telephone calls and field visits to enforce timely loan repayments.
• Negotiated repayment arrangements and developed suitable exit strategies for delinquent clients within the allocated portfolio.
• Maintained accurate and accessible records of all recovery activities, client engagements, and supporting documentation.
• Prepared and presented recovery performance reports and strategies to senior management for decision-making.
• Ensured 100% utilization of the collections management system and other recovery tools as implemented.
• Collaborated with legal and compliance teams to ensure all recovery actions adhered to relevant laws, regulations, and internal policies.
• Maintained productive working relationships with external recovery partners, including collection agencies and legal advisors.
• Continuously reviewed and improved recovery processes to reflect best practices and drive operational efficiency.
• Achieved consistent recovery targets on the assigned written-off and NPL portfolio, contributing to improved balance sheet performance.
• Reduced delinquency rates within the assigned portfolio through early intervention and structured repayment negotiations.
• Enhanced recovery documentation standards, enabling faster access to case files and improving team reporting efficiency.
• Built strong relationships with external legal partners, resulting in improved turnaround times on legal recovery cases.

Direct Sales Representative - KCBBankKenyaLtd - Iten

(2016-06 - 2018-05)

• Regularly monitored client loan account performance and recommended corrective actions to prevent loans from transitioning to arrears or non-performing status.
• Managed collection and recovery activities for the assigned loan portfolio to minimize delinquency and improve overall portfolio quality.
• Tracked and followed up on written-off loans to maximize recoveries in line with set institutional targets.
• Conducted daily client follow-ups through phone calls, SMS reminders, and field visits to encourage timely loan repayments.
• Enforced repayment of overdue loans within the allocated portfolio while achieving the bank's collection and recovery targets.
• Negotiated repayment arrangements and structured settlement plans for delinquent clients to facilitate successful loan recovery.
• Maintained accurate, up-to-date records of all recovery activities, client interactions, and documentation for delinquent and non-performing loans.
• Prepared regular collections, recovery, and portfolio performance reports for management review.
• Consistently met monthly collection targets, contributing to improved portfolio quality within the assigned book.
• Strengthened client engagement practices through structured follow-up routines, resulting in improved recovery rates.
• Supported the development of best-practice recovery procedures through continuous process improvement initiatives.

Business Development Officer - JoyfulWomenOrganization - Eldoret & Kajiado

(2013-05 - 2016-05)

• Trained self-help groups (SHGs) on financial management, record keeping, table banking, and household financial planning.
• Supported preparation and implementation of monitoring plans for savings groups, ensuring active member participation in M&E activities.
• Conducted monthly field visits to carry out table banking activities and follow up on group loan repayments.
• Facilitated capacity building workshops for group members on life skills, risk management, household budgeting, and financial planning.
• Selected, identified, and recruited potential groups and members in accordance with organizational policy and programme objectives.
• Appraised group and individual creditworthiness, processed loan applications, and ensured timely disbursement.
• Monitored loan repayments and ensured timely follow-up to maintain portfolio quality and prevent delinquency.
• Resolved intra-group conflicts to ensure smooth group operations, solidarity, and programme continuity.
• Represented the organization in local development committees, stakeholder forums, and government meetings within the designated area.
• Prepared and submitted daily, monthly, semi-annual, and annual reports accurately.

Bachelor of Business Management - Accounting - MaasaiMaraUniversity (2009 - 2013)

CPASectionIII - NarokUniversityCollege (2012-07 - 2012-12)

CPASectionII - NarokUniversityCollege (2011-07 - 2011-12)

CPASectionI - AberdeenCollegeofAccountancy (2011-01 - 2011-06)

Kenya Certificate of Secondary Education (KCSE) - KamagutHighSchool (2007 - 2007)

Kenya Certificate of Primary Education (KCPE) - ShirikaPrimarySchool (1994 - 2002)