Moses Singh

To actively practice community empowerment integrated in the practice areas of micro crédit lending, training/capacity building, savings mobilisation backed by self-philanthropy and strong commitment to excellence in work performance in empowering humanity and improving livelihoods/quality of life to alleviate ignorance, hunger, poverty, disease, unemployment and environmental degradation all of which cumulatively dehumanize mankind dignity.

Senior Relationship Officer, Business Banking - RAFIKI MICROFINANCE BANK LIMITED - Nakuru branch

(2025-01)

• Building and maintaining customer relationships
• Identifying new business opportunities through cross selling and upselling bank products
• Ensuring compliance with bank policies, procedures and regulations
• Handling client correspondence
• Portfolio monitoring and management

Ag. Branch Manager - RAFIKI MICROFINANCE BANK LIMITED - Mbale branch

(2024-01 - 2024-12)

• Formulating and implementing business strategic initiatives for the branch aimed at increasing new business and share of wallet from existing clients.
• Closely monitoring branch business performance and ensure accurate records of the same are maintained and forwarded to the Head of Business and respective HoDs.
• Managing branch portfolio risks in line with the bank’s portfolio appetite.
• Collaborating and coordinating the development and implementation of sales initiatives with other business functions such as, Asset Finance, Consumer Banking, Direct Sales Team, Bancassuance and Securities to maximize on cross-selling opportunities.
• Harnessing existing and creating new competencies in order to achieve competitive advantage.
• Continuously conducting market intelligence to identify new markets, customer trends, new government directives and changes in policy by regulators.
• Ensuring all branch controls, processes & procedures are adhered to at all times through the Branch Service Delivery Manager, Business Continuity Plan (BCP) implementation and disaster recovery coordination
• Ensuring adherence to all KYC & AML processes with regards to new business and that proper documentation is in place.
• Ensuring compliance with Operations Risk requirements to avoid losses arising from operational lapses.
• Building and developing a high performing and motivated team committed to achieving success. Ensuring a good working environment for staff to ensure maximum productivity.
• Providing leadership to branch staff team by constantly offering training and guidance on the business expectations
• Helping in resource planning, setting performance objective and providing regular feedback on branch performance.
• Managing performance /disciplinary issues/grievances for staff.
• Ensuring there is proper succession planning by maintaining an effective leave program and an in-house training schedule for ease of relief due to leave or sickness of staff

Relationship Officer, Enterprise Banking - RAFIKI MICROFINANCE BANK LIMITED - Mbale branch

(2014-02 - 2024-01)

• Building and maintaining customer relationships
• Identifying new business opportunities through cross selling and upselling bank products
• Ensuring compliance with bank policies, procedures and regulations
• Handling client correspondence
• Portfolio monitoring and management

Credit Officer - SMALL AND MICRO ENTERPRISE PROGRAMME - Kisumu

(2009-05 - 2014-01)

• Client intake and registration.
• Training clients on SMEP policies, procedures and basic business skills
• Processing of loan applications, approvals and disbursements.
• Receipting all payments.
• Record keeping for all clients
• Ensuring timely repayments of loans and responsible for quality portfolio
• Recording, verifying and assessing chattels.
• Submission of group monthly reports to the branch manager.

Intern - SAGA SACCO SOCIETY LIMITED - Kisumu and Bondo

(2008-09 - 2008-12)

• Recruitment and training of clients.
• Mobilization of savings through conducting group visits.
• Designing and implementing income generation activities for clients through financial and non-financial services.
• Ensuring timely trainings, loan assessments and appraisals, disbursements, follow-ups and repayments while maintaining a near zero default rate.
• Preparing regular and accurate reports giving details of number of active and inactive borrowers, cumulative disbursement, portfolio size, repayment rate and portfolio at risk.
• Records reconciliation

Bachelor of Commerce (c) - Jomo Kenyatta University of Agriculture and Technology (JKUAT), Nakuru Campus (2025)

Diploma - Micro finance - Jomo Kenyatta University of Agriculture and Technology (JKUAT) (2007 - 2008)

Kenya Certificate of Secondary Education (K.C.S.E) - Thurdibuoro Secondary School, Nyando, Kenya (2002-03 - 2005-12)

Kenya Certificate of Primary Education (K.C.P.E) - Lake Primary School, Kisumu, Kenya (1994-01 - 2001-11)