Juliet Ocholla

Banking and business development professional with 10+ years' experience in SME relationship management, credit analysis, and portfolio growth. Proven track record acquiring and retaining SME clients, originating lending and non-funded income, and cross-selling core banking solutions including working capital, trade finance, and cash management. Strong expertise in credit risk assessment, portfolio quality management, and business advisory.

Skilled at identifying sector-specific opportunities, deepening client relationships with business owners and decision-makers, and delivering sustainable revenue growth. Seeking to leverage relationship management expertise and commercial acumen to drive SME client acquisition, wallet penetration, and strategic business outcomes at Standard Chartered.

MSME Business Trainer & Mentor at Jiinue Growth Program (MasterCard Foundation/Grassroots Business Fund) (2024-07 – Present)

• 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 trainees from msme sector
• Conduct training needs assessments and develop customized learning plans.
• Conduct demands driven mentorship and coaching sessions for 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 at NYOTA Government Programme (2025-01 – Present)

• 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 at 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.

Relationship Officer – Business Banking at Family Bank PLC (2022-01 – 2022-01)

• Mobilized deposits and grew customer utilization of digital banking channels; delivered assigned sales and portfolio growth targets while maintaining high client satisfaction standards.

Relationship Officer – MSME Banking at Faulu Microfinance Bank (2018-01 – 2021-12)

• Conducted credit appraisal and lending assessments; maintained portfolio quality standards and managed credit risk to support disciplined lending practices.

Relationship Officer – Chama Banking at 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 in Economics & Sociology – Egerton University (2008-01 – 2012-12)