Tabitha Njeri

Experience

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  Chai Sacco Society

  Jun 2019 - Jun 2020

  Micro Credit Officer

  • Reviewed and processed over 250 loan requests annually, demonstrating thorough due diligence and contributing to a 20% increase in loan portfolio quality.• Successfully onboarded 100+ new members to the Sacco within a fiscal year, expanding the community and increasing overall deposit volume by 15%.• Conducted in-depth financial assessments for over 300 clients per year, identifying key financial trends and advising on optimal financial planning strategies.• Evaluated creditworthiness and risks for each loan application, maintaining a default rate of 30% lower than the industry average through precise risk assessment.• Calculated financial ratios for each client, optimizing interest rates and credit scores that balanced profitability with competitive loan offerings, thereby growing the loan book by 25%.• Designed and implemented personalized payment plans for 150+ clients, resulting in a 40% improvement in on-time repayment rates and reducing the portfolio at risk (PAR) by 20%.• Maintained records for over 500 loan applications, enhancing data retrieval efficiency by 50% and supporting a streamlined audit process.• Monitored and reported on the progress of existing loans, identifying at-risk loans early and implementing strategies that reduced late payments by 35%. Show less

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  YEHU MICROFINANCE SERVICES LIMITED

  Dec 2020 - Jan 2023

  Credit Officer

  • Conducted comprehensive market research that identified 10+ new business opportunities, leading to strategic partnerships that increased revenue by 15% within one year.• Fostered and maintained strong relationships with over 50 key stakeholders and customers, resulting in a 95% retention rate and significantly enhancing the company's reputation.• Reviewed and processed over 300 loan requests annually, maintaining a balance between customer needs and organizational risk.• Evaluated creditworthiness and risks for all loan applicants, contributing to a 30% decrease in loan defaults.• Successfully gathered comprehensive financial data and client documentation, improving the loan assessment process's efficiency by 40%.• Analyzed risks and made decisions on loan approvals or rejections, achieving a loan approval rate of 85% while ensuring compliance with financial regulations.• Calculated financial ratios for all loan applicants, enhancing loan pricing strategies and contributing to a 20% growth in net interest margin.• Implemented payment plans for over 100 clients, which improved repayment rates by 25% and reduced the portfolio at risk (PAR) below 5%.• Spearheaded the Group Lending initiative, leading to a 30% increase in group loan disbursements and fostering community financial empowerment.• Reduced the Portfolio at Risk (PAR) by 20% through detailed analysis and strategic risk management interventions.• Developed and executed follow-up strategies for loans past 180 days due, recovering amounts totaling over Kshs 500,000/= from members in default.• Achieved a 40% growth in the loan book of the assigned Sub-Branch through strategic marketing and customer engagement, significantly contributing to the branch's profitability. Show less

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  Kilele Sacco

  Feb 2023 - Feb 2024

  Marketing / Customer care Executive.

  • Successfully expanded Sacco's client base by 25% within one year through targeted recruitment strategies, adding over 150 new members.• Boosted Sacco's online presence by increasing social media engagement by 40% and website traffic by 30% through strategic digital marketing campaigns.• Enhanced client satisfaction by efficiently handling over 50 phone and walk-in inquiries daily, resulting in a 95% customer satisfaction rate.• Developed and presented monthly marketing reports, providing insights that led to a 20% increase in marketing ROI by optimizing campaign strategies.• Streamlined document management processes, reducing retrieval time by 50% and ensuring 100% compliance with regulatory standards through the filing of over 1,000 documents.• Implemented a system that increased the efficiency of receiving and processing client documents by 30%, handling approximately 200 documents weekly.• Updated the records of over 500 members in the system with 100% accuracy, ensuring up-to-date information was available for improved service delivery.• Successfully resolved an average of 40 member queries per week, improving member satisfaction and retention by directly addressing concerns and providing timely support. Show less

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  The Nairobi Women's Hospital Group

  May 2024 - now

  Credit Officer - Collections

  • Coordinating debt administration and collection according to ledger allocation and set targets.•Monitoring and taking appropriate action of accounts that have surpassed their set limits.•Organizing and holding meetings with corporate clients to discuss the status of respective accounts.•Preparing and submitting the specific provision for doubtful debts every quarter.•Preparing periodic write off schedules.•Maintaining an atmosphere of harmony within the department to enable good team working spirit.•Maintaining confidentiality and safe custody of the Internal and External clients’ documents.•Preparing and maintaining of timely and accurate departmental reports e.g. monthly performance statistics, unposted credits, returns invoices etc.•Ensuring that all the cheques and payments received have accurate and complete remittance advises.•Participating in all relevant audits to enable the department to achieve its goals.•Offering prompt and satisfactory services to Internal and External clients as per the established policies and procedures of the department to enable overall accomplishment of the departmental goals.•Performing any other duty as may be assigned from time to time. Show less