Experience

• 

  Kenya sugar research foundation

  Oct 2005 - Jan 2007

  Creating/ Maintaining Sales and Purchases Journals, Ledgers; Preparation of Trial Balances, Balance sheets; Filing and book keeping; Bank Reconciliations; Processing allowances for Directors and wages for casuals.

  • Accounts Assistant

    Feb 2006 - Jan 2007

  • Accounts Assistant

    Oct 2005 - Oct 2006
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  Mildmaykenya

  Feb 2007 - May 2008

  Finance assistant

  Maintain Donor Accounts mainly DFID AND USAID; Analyzing Work plans for Community Based Organizations and recommending the amounts allocated before release of funds; Verifying and processing Claims for Field Officers; Keeping Finance Records

• 

  The co-operative bank of kenya

  Nov 2008 - Mar 2016

  Business banker

  1. Growth of MSME Asset and Liability ProductsCustomer care calls and visits with the aim to grow MSME asset and liability products in terms of volume and new customer acquisition; Generate leads and cross-sell SME Products to both existing and new MSME Clients; Identify potential customers or act independently to close deal with customers 2. Marketing of the Bank products Initiate marketing and promotional activities with the marketing team; Drive marketing campaigns to spur MSME growth; Assisting in the cross-selling of all the Bank products 3. Monitoring and Control of the MSME Banking portfolioRegularly monitoring all performing accounts; Maintaining and evaluating quality of Loans to ensure compliance with lending guidelines; Encourage Business Bankers to forward all non performing accounts to Remedial; Monitoring NPL book under MSME through Early Alert Reports; Monitoring the overall performance of credit operations to ensure profitability as well as adherence to established policies and procedures. Show less

• 

  Co-operative bank of kenya

  Nov 2016 - May 2022

  Worked in liaison with Mckinsey Consultant on a 6 months’ project representing MSME stream. Mckinsey were contracted to review Banks Credit management process and recommend effective and efficient processes and channels of loans origination, underwriting, monitoring and collection Upon project term expiry, I was tasked to champion implementation of the recommendations in Business Banking as a Subject Matter Expert to Train Business Bankers on how to Manage MSME Non-Performing Loans.• Strategize and holding problem Solving Session with all stakeholders through project 3C Approach (Connect Collect and Cure) on NPL advanced to MSMEs • Support branches to originate all MSME Related credit facilities and remedial solutions requests through BPMS system workflow by training and coaching business bankers • Harmonize MSME credit facilities appraisal templates to address the gaps identified to achieve quality loan appraisals and effective credit management • Support NPL management for decentralized loan book (90+ DPD), by tracking progress and sharing performance reports weekly to provide visibility to other supporting units• Develop strategic rhythms to align branches, regions and transformation office on NPL reduction campaign • Train branches and supporting head office units on decentralized remedial functions; Issuance of statutory notices, rental assignments demand notices, Motor vehicle repossession orders and tracing of missing MVs as well as execution of full and final, private treaty and restructures • Scaling up of the best practices and use cases experimented in Mckinsey project to the entire bank network• Fast-track Enhancement of internal collection systems to track notices and RPOs issued to client to ensure timely actions upon expiry and reporting• Conduct market intelligent as well as working on allocated MSME hardcore accounts to originate new lessons and best practices for scale up to branches to improve NPL management Show less 1. Portfolio transparency and analysisCreate transparency on the portfolio in arrears; Establish program perimeter (i.e. identify accounts in scope and exclude accounts out of scope) and baseline; Collect granular data on all delinquent accounts, cause of default and past restructuring/ collections activity2. Crash program segments definitionSegment portfolio and prioritize customers by value and ease of collection; Identify appropriate campaign/initiatives for the various customers; Syndicate targeted segments hypothesis with key stakeholders; Finalize campaign segments 3. Campaign design/ implementationFor each campaign segment, define: Channel/ resourcing; Targets/incentives; Portfolio allocation; Create internal dedicated teams and select external agencies to assign accounts; Setup performance management mechanism; Hold kick off meetings and assign accounts4. Campaign managementMonitor campaign operating and financial results; Communicate interim results; Define and implement countermeasures (if needed) to steer performance5. NPL management strategic reviewReview lessons learned and refine business-as-usual accordingly; Revise processes based on learnings from program; Introduce new products based on customer requirements; Revise portfolio prioritization and allocation to channels Show less Drive acquisition, business development and relationship management of Small Enterprises & THI customer segment; Cross sell / upsell to existing Small Enterprises and THI customers; Deposit mobilization, asset growth, channel migration and value chain management from the Small Enterprises & THI business clients; Champion and deliver world-class customer experience by ensuring quality service delivery for customers within the bank’s Service Level Agreements; Manage quality loan book; Manage acceptable asset/deposit ratio for the segment; Manage acceptable cost of funds for the segment; Manage acceptable product holding within customer segment1. Business growth and development 2. Relationship management 3. Maintaining of Records 4. Risk & Compliance 5. Credit Preparation 6. Quality Loan book / Default Management Show less

  • Subject Matter Expert - MSME NPL Management (Business Banking Department)

    May 2021 - May 2022

  • Subject Matter Expert MSME Collections War Room Mac’kensey Credit Risk Adaptation Project

    Nov 2020 - Apr 2021

  • Relationship Manager- MSME Banking

    Nov 2016 - Nov 2020
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  Kingdom bank limited

  Apr 2022 - now

  Rm business banking & msme non financial services

  Supporting Business Bankers in the branch network on Liability Growth, Quality Asset Growth, increase usage of alternative channels, growth of Non Funded Income.