Nancy Chumba

Strategic and performance-driven Relationship Officer with over 7 years of experience in credit appraisal, loan portfolio management, and SACCO operations. Skilled in financial risk assessment, customer relationship management, and revenue growth through cross-selling initiatives. Holds a Bachelor's Degree in Economics with strong analytical and compliance expertise.

Relationship Officer at Unaitas SACCO Society Ltd (2023-01 – Present)

• Evaluate and analyze loan applications to determine creditworthiness.
• Conduct financial ratio analysis and risk assessments to minimize exposure.
• Structure and approve loan facilities in line with credit policies.
• Monitor loan portfolio performance and follow up on repayments to control delinquency levels.
• Maintain accurate digital records using loan management systems.
• Provide financial guidance to clients on loan products and repayment strategies.

Member Care Officer at Unaitas SACCO Society Ltd (2019-01 – 2022-12)

• Managed member inquiries and resolved complaints efficiently.
• Managed high-volume member inquiries across multiple service channels.
• Opened and managed member accounts while ensuring compliance with KYC policies.
• Resolved complaints effectively, improving customer satisfaction levels.
• Actively cross-sold SACCO products, contributing to increased product uptake.
• Generated and analyzed customer service reports for management review.
• Cross-sold SACCO products to increase member engagement.

Teller Clerk at Unaitas SACCO Society Ltd (2016-01 – 2019-12)

• Processed deposits, withdrawals, and credit transactions accurately.
• Balanced cash drawers and ensured regulatory compliance.
• Assisted customers with account inquiries and product information.

Customer Care Agent at Kencall (2014-01 – 2015-12)

• Resolved customer service issues and updated account information.
• Opened and updated customer accounts accurately.
• Provided product knowledge to enhance customer satisfaction.

Accounts Intern at Uasin Gishu County Government (2014-01 – 2014-12)

• Reconciled financial accounts and verified payments for accuracy.
• Assisted in preparation of statutory accounts and financial documentation.
• Managed ledger entries using spreadsheet systems.

Bachelor of Economics in Economics – University of Nairobi (2010-01 – 2014-12)

Certificate in Guidance & Counseling – University of Nairobi (2014-01 – 2014-12)

ICDL Certification in Computer Literacy – Computer Pride Ltd. (2013-01 – 2013-12)

Kenya Certificate of Secondary Education – Makueni Girls High School (2005-01 – 2008-12)

Kenya Certification of Primary Education – Kapsang Primary School (1996-01 – 2003-12)