Stephen Mbugua

Reliable debt collector with comprehensive experience in managing and resolving past due accounts. Skilled in negotiating payment plans and building rapport with clients to ensure successful debt recovery. Demonstrates strong communication and problem-solving abilities to achieve favorable outcomes. Brings proactive approach to reducing outstanding balances and maintaining positive client relationship.

Collection Officer & Loan Officer - Baron Capital Ltd - Kenya

(2025-07 - 2025-12)

• Managed logbook and title deed loan portfolios, ensuring timely repayments.
• Conducted borrower assessments, verified documents, and processed loan applications.
• Negotiated repayment plans and educated clients on responsible borrowing.
• Supported client acquisition and relationship building in the local community.

Debt Collector and as a team leader - FLASHPESA

(2024-01 - 2024-09)

• Overcome objections by applying advanced training and persuasion techniques.
• Chased up overdue payments to offer assistance in difficult situations and set up payment plans.
• Scheduled late payments based on debtors financial situation and company policy.
• Presented monthly performance repots to management, highlighting achievements and areas for improvement.
• Developed tailored communication strategies for each debtor, enhancing successful repayment outcome.
• Document all collection activity and research efforts into the specified database.
• Handle a high volume of inbound calls.
• Meet daily call expectations of 100+ with accounts worked.
• Notate and pursue successful resolution of defaults.

Debt collector - AGIP CAPITAL (TALA)

(2023-08 - 2023-11)

• Contact clients to resolve past due balances, reconcile payments, expedite payments negotiate payment arrangements, and develop action plans
• Responsible for payments collections ensure all past due amounts are collected while preventing the aging of current balances.
• Plan course of action to recover outstanding payments.
• Collaborate with team members to achieve monthly collection targets and improve department efficiency
• Advice business owners of potential actions surrounding defaults.
• Handle questions or complaints

Loan officer (BDO) - SIMPLEPAY CAPITAL

(2025-01 - 2025-05)

• Identity and conduct surverys for the loan requirement of people.
• Meet with loan applicants to gather personal information and answers questions.
• Explain different types of loans and the terms of each one to applicants.
• Manage the total loans given out to customer.
• Fill loan application form and gather necessary documents for loan disbursement.
• Obtain and verify financial information as per the applicant’s credit rating and income level.
• Analyze and evaluate the applicant’s finances to decide if the applicant should get the loan.
• Approve loan applications or refer them to management for a decision.
• Delivering a minimum of 3 new customers, 20 leads daily and disbursement target of 3500,000 monthly.

Kenya Certificate of Secondary Education - St. Columbans high school

Kenya Certificate of Primary Education - Tans Nzoia primary school