Regional Team leader - MicroMart Africa ltd - Coastal region, Kenya
(2023-01 - 2025-03)
- Drive Revenue & Profitability: Achieve monthly targets for all units/branches. Support Unit managers. Oversee, support and develop managers in the Sector to run a high-performance team.
- Leadership & Problem Solving: Support Unit Managers in the Sector in all unit functions, logistics and performance issues with a view to attaining targets set and creating an efficient work environment for the Sector.
- Fraud Prevention. Ensure all fraud-related matters that occur in units are noted and reported within a reasonable time frame. Engage in fraud prevention measures.
- Service Delivery: Ensure the delivery of first-rate customer service and ensure Unit Managers in the Sector follow the Customer Complaints procedure.
- Relationship Building: Build excellent relationships with customers, partners and opinion leaders in the Sector.
- Reporting: Provide accurate and timely reporting of management information and market feedback to highlight customer preferences, market conditions, trends, opportunities, competitor information and anyother relevant information pertaining to the Sector or the Company as a whole.
- Financial Inclusion Reach: Promote the extension and deepening of financial inclusion outreach through new customer acquisition as well as customer retention.
- Customer Protection & Counter Indebtedness: Ensure all units in the Sector promote responsible lending by observing affordability SOPs, customer follow ups and SMART customer care standards.
- Provision of Relevant Products & Services: Ensure our products and services remain relevant by swift and accurate reporting of customer market intelligence. Perform such other tasks and duties as the Company may from time to time designate as forming part of the Sector Manager's job description.
Branch Manager - MicroMart Africa ltd - Kenya
(2023-01 - 2025-03)
Recently worked as Branch Manager-MicroMart Africa ltd then later promoted to Area Manager-Coastal region
Operations/marketing consultant - Kitunze enterprises - Kenya
(2021-01 - 2022-12)
Ensuring marketing activities support securing new business, engaging learners, and driving public relations. Review operating processes and procedures to ascertain if they are successful. Ensuring the business operates within the Company's mission statement and values. Driving customer satisfaction and amending any issues arising to suit clients.
- Study and understand the client's short-term or long-term goals' requirements, issues, and needs.
- Conduct interviews and surveys to collect and analyze data to identify and understand a problem or issue.
- Present and explain their findings to the Management
- Advice or suggest improvements to achieve the objectives of the client organization
- Formulate plans to implement their recommendations and provide training to the staff to cope with the changes
- Evaluate the situation periodically and make changes as and when required
- Discover the most suitable solutions for any problem at hand.
Credit Manager to Branch manager - STAG Credit - Kenya
(2018-12 - 2020-12)
- Strategy & leadership – Take strategic and operational ownership of the Credit function, including policies, systems, and processes to achieve quality growth per the strategic plan.
- Creditrisk assessment and reporting –Regularly review and strengthen the credit processes, including credit risk assessment and portfolio risk management and reporting.
- Develop tools to monitor the effectiveness of the Company's credit policy in achieving its target credit risk objectives and ensure that, where goals are not being met, appropriate interventions are put in place to remedy the situation.
- Portfolio performance management – Understand portfolio performance quantitatively through rigorous data analysis and compare to industry benchmarks and qualitatively.
- Loan appraisal – Quality assessment and prudent decisions on loan applications within a discretionary lending limit and making recommendations to higher approving authority to grow the loan book while minimizing risk.
- Loan collections – Take ownership of regular innovations to enhance collections. Manage relationships of all parties that assist the Company in collecting contractual payment obligations ('Collections Partners').
- Ensure adequate processes are in place to ensure that payment delinquencies are addressed before the loans are judged to default.
- Default management – Ensure adequate procedures to avoid fraudulent loans when such cases arise, institute investigations to determine the source of fraud, and update the credit policy accordingly to minimize such fraud. Manage relationships with the Company's contractors responsible for loan recoveries and regularly evaluate the performance of each Recovery Partner.
- Product innovations – Provide technical support on developing new and reviewing existing credit products and credit appraisal tools.
Senior Business development officer to product development officer - WATU Credit - Kenya
(2016-03 - 2018-11)
- Develop new business opportunities by proactively marketing individual loan productsto suitable potential clients.
- Lead Product Ideation, development, marketing, and piloting.
- Supervise/train officers and interns on issues related to company policies and duties.
- Interview, visit, analyze, and evaluate borrowers and potential borrowers with an emphasis on risks and a particular focus on credit risks.
- Prepare and make appropriate credit recommendations to the branch credit committee.
- Lead andWork closelywith the entire branch stafftomaintain high customerservice levels and focus.
- Proactive loan portfolio monitoring and Management
- Preparation of performance reports, work plans, and activity reports
Relationship officer to Business development officer - Real People East Africa Ltd - Kenya
(2014-03 - 2016-02)
- Achieve growth within the Key performance indicators; liability and risk asset generation, account opening, and income generation.
- Evaluate the creditworthiness of customers by processing loan applications and documentation.
- Develop referral networks, cross-sell products/services
- Ensure customer satisfaction through excellent customer engagement and service delivery.
- Actively seek out new sales opportunitiesthrough cold calling, networking, and referrals.
- Expedites the resolution of complaints to maximize satisfaction, boost customer service experience, and achieve a healthy portfolio.
- Executes marketing strategy, develops marketing campaign, identifies potential loan markets, and develops referral networks.
- Business sales relationships, conduct loan appraisals for customer applications and recommend disbursements.
- Effective monitoring of loan repayments and mitigating risks related to defaults, and maintaining P.A.R. at a set standard.
Business Development Office to Senior business development officer - SMEP Microfinance Bank - Kenya
(2011-07 - 2014-02)
- Prospect for potential new clients and turn thisinto increased business.
- Developing growth strategies and plans
- Supervise/train junior officers and interns
- Preparation of budgets, assigning and reviewing timeframes for meeting budget
- Cold calling as appropriate within your market or geographic area to ensure a robust pipeline of opportunities.
- Meet potential clients by growing, maintaining, and leveraging the existing network.
- I was researching and building relationships with new clients.
- Work with the team to develop proposals that meet the client's needs, concerns, and objectives.
- Handle objections by clarifying, emphasizing agreements, and working through differences to a positive conclusion, asset origination, and Savings mobilization.
- Review credit applications to ensure that all documents submitted by the client are complete.
- Asset inspection before approval is made. And assess the client's balance sheet performance, cash flow, and income streams.
Credit Officer to acting branch manager - YEHU Microfinance Services Ltd - Kenya
(2007-07 - 2011-06)
- Evaluate creditworthiness by processing loan applications and documentation within specified limits.
- Interview applicants to determine financial eligibility and feasibility of granting loans.
- Justify decisions(approvals/rejections), report on them, and supervise junior officers and interns.
- Complete loan contracts, counsel clients on policies and restrictions, and attend group meetings.
- Maintain and update account records, e.g., register.
- Develop referral networks, suggest alternate channels, and cross-sell products and services to accomplish quotas.
- Punctually attend group meetings and ensure all groups pay promptly and save adequately.
- Train clients on policies, procedures, and constitutions affecting the groups.
- Ensure adequate attendance and record attendance in the register when attending group meetings.
- Go the "extra mile" to build trust relationships, customer loyalty, and satisfaction throughout the underwriting process.
- Liaise and formulate rules with the center chiefs and group
Program and Administrative Assistant-Internship - Undugu Society of Kenya - Kenya
(2006-01 - 2008-12)
- Computing the billing statements, setting up and submitting tax forms
- Writing the documents and arranging and collecting the fiscal records
- Supervising the records of the stock list and assisting the account managers by making program spreadsheets, organizing funds, and grooming the new employees
- Dealing with the inside fiscal state of the organization so that the correct and exact fiscal records are maintained in compliance with all the government policies and the rules and regulations of accounting
- Helping the general public, employees, and clients with activities related to accounting
- Running the accounts payable for payment and offering services related to the workforce, including activating the new employees
- Processing the benefits and performing the other employee-related duties and jobs
- Performing a clerk's job related to the utilities as and when required.
Sales lead - Britam - Kenya
Operations Head - Caltex Star Mart (Bill Service Station) - Kenya
