JOYCE MACHARIA

Experience

• 

  Family Bank Ltd

  May 2015 - now

  As a Senior Relationship Officer at Family Bank Ltd for over 8 years, I have been dedicated to fostering strong relationships and driving business growth. I excel at developing and managing an exhaustive pipeline, capitalizing on existing clients, referrals, and cold calls to increase sales and product uptake per customer. With a focus on increasing wallet size and ensuring business growth within my portfolio, I consistently meet and exceed targets. I am adept at effectively handing over accounts and providing systematic support to enable seamless transactions. Additionally, I have a keen eye for client credit relationships, offering tailored advice on suitable credit products and actively engaging in debt collection activities. I maintain a strong adherence to AML and credit policies, ensuring compliance at all times. With my ability to leverage the bank's product offerings, I strive to ensure that all existing clients are aware of the additional benefits available. As a proactive team member, I actively participate in sales meetings, contests, and motivational activities, contributing to a positive sales environment. Show less During my role as a Regional Digital Financial Services Supervisor, I played a crucial role in expanding the digital channel space at Family Bank Ltd. I focused on business development and meeting customer needs by driving adoption and utilization of various digital channels, such as agency banking, mobile banking, ATMs, cards, and internet banking. My aim was to ensure that customers had a wide array of options when it came to their banking needs. Through strategic planning and execution, I successfully grew the digital channel space and provided customers with convenient and efficient banking solutions. Show less As a Relationship Officer - Business Banker, my primary focus was on meeting the unique needs of SME customers. I developed deep relationships with these clients and provided them with tailored solutions for their business growth, capital acquisition, mortgages, temporary overdrafts, and more. By understanding their specific requirements, I was able to offer quality experiences and come up with customized banking solutions. Relationship banking was at the core of my approach, and I ensured that my clients received exceptional service and support throughout their banking journey. Show less During my tenure as a Relationship Officer - Digital Financial Services, I focused on business development through alternate channels at Family Bank Ltd. I actively recruited agents, merchants, and other digital partners, while also creating awareness about existing alternate banking services such as paybill, lipa na mpesa, mobile banking, internet banking, mvisa, and ATM usage. I played a key role in enhancing customer and merchant satisfaction by resolving disputes and driving agency banking and merchant business at the branch level. Additionally, I developed growth strategies for agents and merchants and monitored their performance to ensure they met the bank's targets on the number of transactions. Show less

  • Senior Relationship Officer

    Aug 2020 - now

  • Regional Digital Financial Services Supervisor

    Oct 2019 - Aug 2020

  • Relationship officer-Business banker

    Jan 2018 - Sept 2019

  • Relationship Officer-Digital Financial Services

    Dec 2015 - Dec 2017

  • Direct Sales Representative

    May 2015 - Nov 2015