Juliet Ocholla

Experienced banking and business development professional with more than 10 years' experience in relationship management, SME banking, credit analysis, business development, deposit mobilization, and Portfolio management. Holder of a Bachelor of Arts in Economics and Sociology with a strong record of growing loan portfolios, mobilizing deposits, conducting credit assessments, managing portfolio quality, Business coaching and delivering financial literacy training to entrepreneurs, SMEs, Chamas, and institutions. Demonstrated ability to identify business opportunities, acquire and retain customers, cross-sell financial products, manage credit risk, and build long-term client relationships while consistently achieving business targets.

Experienced in coaching entrepreneurs, mentoring MSMEs, and supporting access to finance through capacity building and business advisory services. A results-driven, customer-focused professional with excellent analytical, communication, leadership, and Relationship management skills, seeking to contribute to the Bank's commitment to delivering innovative financial solutions and exceptional customer experience while driving business growth.

MSME Business Trainer & Mentor - Jiinue Growth Program (MasterCard Foundation/Grassroots Business Fund)

(2024-07)

• Develop, conduct and manage the delivery of entrepreneurship, business model, financial management and life-skills training to MSMEs in assigned county
• Mobilize, identify, select and enroll potential Msmes to the trainings
• Conduct training needs assessments and develop customized learning plans
• Conduct demands driven mentorship and coaching sessions for Msmes entrepreneurs to improve business performance and sustainability
• Support credit assessment, funding recommendations, loan monitoring and collections
• Prepare reports and monitor programme performance

Part-time Entrepreneurship Trainer - NYOTA Government Programme

(2025-01)

• Facilitate Business Development Services (BDS) training for youth entrepreneurs
• Deliver training on how to start and grow your business, financial literacy, Customer service and retention, record keeping, business canvas model development, leadership and teamwork
• Prepare attendance records, participant reports and programme feedback

Personal Banker - Kingdom Bank PLC

(2022-06 - 2024-07)

• Grew and managed personal and business loan portfolios
• Identified and acquired new business opportunities
• Conducted credit analysis and prepared loan recommendations
• Mobilized deposits and increased customer utilization of digital banking channels
• Built partnerships with institutions for payroll check-off facilities
• Supervised and coached sales teams to achieve business targets

Business Banker - Family Bank PLC

(2022-01)

• Identified and acquired new Sme business opportunities
• Managed SME customer relationships and business portfolios
• Built and maintain Strong customer relationships, improving client satisfaction
• Processed loan applications while ensuring compliance with bank policies
• Mobilized deposits
• Managed portfolio quality and monitored loan performance
• Delivered assigned sales and customer growth targets

Relationship Officer – MSME Banking - Faulu Microfinance Bank

(2018-01 - 2021-12)

• Grew and managed MSME loan and deposit portfolios
• Conducted credit appraisal and prepared lending proposals
• Cross-sold banking and bancassurance products
• Maintained strong customer relationships while ensuring portfolio quality
• Conducted financial literacy and business coaching sessions for entrepreneurs

Relationship Officer – Chama Banking - Faulu Microfinance Bank

(2013-01 - 2017-12)

• Recruited and managed Chama groups
• Promoted financial inclusion through entrepreneurship and financial literacy training
• Processed loans and managed Portfolio delinquency
• Mobilized deposits and ensured compliance with banking procedures
• Maintained high customer satisfaction standards

Bachelor of Arts - Economics & Sociology - Egerton University (2008-01 - 2012-12)