Magdalene Nthenya

A professional with practical experience in coordinating and implementing credit and risk functions. Recognized ability to execute numerous credit administrative duties. Objective to obtain a high-profile position in the organization and become a valuable asset by providing excellent support and contributing effectively to organizational success.

Senior Products Manager - Lending at HFC (2022-10 – Present)

Spearhead end-to-end development of lending products, converting market intelligence and customer insights into commercially viable banking solutions.

• Drive structured product governance across the lifecycle—from concept design, feasibility analysis, and approvals to launch and post-implementation performance tracking
• Design and enhance credit solutions across retail and SME segments, including unsecured lending, asset finance, mortgage offerings, and digitally enabled loan products
• Build robust business cases and financial models to support product approvals, ensuring alignment with revenue growth, risk appetite, and strategic priorities
• Lead commercialization efforts through pricing optimization, value proposition refinement, and targeted go-to-market strategies
• Monitor portfolio performance using data-driven insights and implement continuous improvement actions
• Collaborate closely with cross-functional teams (Digital, Risk, Finance, Operations, Marketing, and Technology)
• Manage product backlogs and delivery pipelines using agile methodologies
• Conduct competitive analysis and market scanning to continuously refine product features

Credit Analyst - SME and Commercial Banking at HFC (2021-06 – 2022-10)

Performed quality analysis and due diligence for credit applications across SME and commercial banking segments.

• Interact with clients, gather deal requirements, financial statements and other inputs for quality analysis
• Appraise Personal Banking, SME & Corporate clients to determine ability to service loan
• Work with Relationship Manager/Team Leader/Product partners in structuring credit solutions
• Conduct thorough analysis of financial statements and assessment of credit requests
• Responsible for end to end Business Client Application process including preparing assessment tools
• Development of differentiated product propositions for Personal and Business Lending
• Regular trainings to align frontline on focus products and revenue optimization
• Process improvement by reviewing existing loan processes and loan application forms
• Preparation of Service Level agreements for Credit Analysis and Quality Assurance
• Preparation of Underwriting standards for all segments
• Broaden product offerings to maximize Share of Wallet for HFC customers

Operational Risk Manager - Retail Lending and Wealth Management at Standard Chartered Bank (2016-01 – 2021-06)

Management of operational risk functions for retail lending and wealth management divisions.

• Performance of Control Sample Testing, Key Control Indicators and Key Control Self-Assessment
• Proactively Identify and document critical business risks, processes, and controls
• Evaluate control issues and ensure adequacy of Event Root Cause Analysis and corrective action plans
• Timely mitigation of risks and resolution of issues in collaboration with all relevant stakeholder functions
• Ensuring proper functioning and periodic monitoring of day-to-day controls and activities
• Ensuring that Operational risk, near miss and operational losses are recorded in a timely manner
• Ensure that the Bank complies with regulatory standards and limits related to operational risks
• Performance of residual risk assessments to ensure they are within the risk appetite of the Bank
• Co-ordinating and conducting the unit level FORC meetings

Credit Analyst - Commercial Banking at Standard Chartered Bank (2013-05 – 2015-12)

Performed credit analysis and due diligence for commercial banking clients.

• Interact with clients, gather deal requirements, financial statements and other inputs for quality analysis
• Work with Relationship Manager/Team Leader/Product partners in structuring credit solutions
• Responsible for end to end Business Client Application process including preparing assessment tools
• Ensuring zero Business Client Application over dues
• Closure of all covenants within the stipulated timelines
• Liaise with Credit on Business Client Application and other credit issues
• Ensure timely identification of accounts to be put in Stress Assessment
• Oversight of Stress Assessment/ASTAR process
• Prepare timely Stress Tests and Credit opinion reports when required
• Remain alert to the risk of money laundering and assist in combating it

Origination Client Coverage (OCC) at Standard Chartered Bank (2012-05 – 2013-04)

Handled banking facility letters, security compliance certificates, and collateral management.

• Preparation and Issuing banking Facility Letters for dispatch within turnaround time
• Issuing of Security Compliance Certificate within TAT of receipt of last outstanding items
• Following up with underwriters on the related renewals and topping-up of insurance
• Instructing of Banks external lawyers in the preparation of non-standard documentation
• Issuing deficiency reports upon receipt of Business credit Applications
• Processing of instructions by business for limit realignment
• Maintaining of accurate and complete records in Collateral Management System

Credit Administration Officer at Standard Chartered Bank (2010-07 – 2012-04)

Quality credit administration support to the Business Units while providing independent control over the credit process.

• Champion and deliver world class customer service by ensuring quality service delivery within the banks service level agreement
• All limit loading and maintenance including sub-allocation

Master's in Business Administration in Strategic Management – Maseno University (2018)

Bachelor of Commerce and Business Administration in Finance – Jomo Kenyatta University of Agriculture and Technology (2007 – 2010)

Kenya Certificate of Secondary Education (KCSE) in General Education – Our Lady of Assumption Tawa Girls (2002 – 2005)